Examination
180 minutes
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State Insurance Claims Adjusters Certification 2024-
2025
Georgia G.A Adjuster Exam Review Questions and
Correct Answers | 100% Pass Guaranteed | Graded A+ |
Read All Instructions Carefully and Answer All the
Questions Correctly Good Luck: -
depending on unknown future events, example: Paul
can pay premiums for years without filing a claim, or he
could have a claim the first month of coverage: it is up
to chance. Insurer only have to pay when losses occur.
Throwing the dice. - =Answer>> Aleatory
The insurer is responsible for the terms of the contract.
The insured have no wordings. Bobby agrees to HFD
insurance standard homeowner's policy. Bobby made a
claim, and HFD insurance denied the claim. But Bobby
found ambiguity in the policy provisions, so the dispute
with the insurer was resolved in his favor. -
=Answer>> Adhesion
In a insurance contract: the insurer has an obligation to
pay for covered losses. It's like the insurer make a
promise. The insured has no obligation he can stop
paying premiums. - =Answer>> Unilateral
PIP - =Answer>> no matter whose fault, fewer
lawsuits, first party, quick reimbursements, covers all
member even on bus, 80% medical bills, 60% lost
wages, in home caregiver, death benefits
LAS - =Answer>> life, accident, sickness
adhesion - =Answer>> take it or leave it
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salvaged property - =Answer>> never belong to
adjusters
Coverage B - =Answer>> patios, guest houses,
garages, porches, sheds, outdoor antenna, 1,000 per
occurrence
Coverage D: Loss of Use - =Answer>> (FRV-fair rental
value) tenants, living expenses-hotels, emergency, fire,
flooding
coverage F-farm property - =Answer>> all farm items,
settles claims at (ACV), coinsurance for full coverage to
apply
Pollutant Cleanup and Removal - =Answer>> 180
days
EDP - =Answer>> electronic data processing, covers
computer, data systems, information storage media
Black Lung Benefits Act - =Answer>> provides
monthly payments and medical benefits to coal miners
totally disabled from pneumoconiosis (black lung
disease) arising from employment in or around the
nation's coal mines.
monopolistic - =Answer>> state provides worker
comp: ohio, Wyoming, north Dakota, washington
only private companies follow state law - =Answer>>
Georgia
Lisa $900
wages $600
wages loss-$300
TPD- 2/3 of $300= - =Answer>> $200
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