California Adjuster Correctly Solved Exam Question and Answers [100% Correct] 2025 Latest Release!
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California claims adjuster
Institution
California Claims Adjuster
California Adjuster Correctly Solved
Exam Question and Answers [100%
Correct] 2025 Latest Release!
What is the duration for which a BOP provides loss of income coverage on an actual loss sustained basis?
12 months
How is a trucker defined in relation to property transport?
An indi...
California Adjuster Correctly Solved
Exam Question and Answers [100%
Correct] 2025 Latest Release!
What is the duration for which a BOP provides loss of income coverage on an actual loss sustained basis?
12 months
How is a trucker defined in relation to property transport?
An individual or business that takes possession of property for transport purposes
According to the Business Auto Policy, which of the following is not considered an "auto"?
Mobile equipment like tractors or forklifts that aren't designed for public road use
Who is referred to as an additional insured in an insurance policy?
A person or organization added to the policy at the request of the First Named Insured, benefiting
from the policy but unable to make changes
What does the term "adjusting" mean in insurance?
The process of verifying a claimant's losses against the terms of the insurance policy
Are defense and investigative costs covered under Supplementary Payments in an insurance policy?
Yes
What is the definition of a "Base Flood"?
A flood that occurs once every 100 years
What does Base Flood Elevation refer to?
The highest point that water would reach during a base flood
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, Which type of coverage is excluded from Boiler and Machinery Insurance?
Liability coverage
What is the definition of burglary under insurance terms?
Forced entry into a premise with the intent to steal
Under the Business Auto Policy, what is required to cover new vehicles?
Under Symbol #1, no reporting is necessary. Under Symbol #7 (specifically described autos), the
insured must report the new vehicle within 30 days for coverage
Which coverage is provided by Business Auto Policy under Symbol #7?
Specifically described autos
What type of vehicles does Business Auto Policy coverage Symbol #2 include?
Any owned vehicle
Which vehicles are included under Business Auto Policy coverage Symbol #3?
Owned private passenger vehicles, excluding trucks and buses
What is the purpose of a Business Owner Package (BOP)?
It bundles property, liability, and income protection in one package
What does California's proximate cause doctrine entail?
It dictates that the insurer must determine coverage based on the leading cause of a loss when
multiple perils are involved, excluding coverage if the predominant cause is not covered
Can a car wash be included in a gas station's BOP?
No, a car wash is excluded from coverage
2
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