Examination
180 minutes
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State Insurance Claims Adjuster- Pro Certification
2024- 2025
Adjuster Pro: Insurance Adjuster Section 4 Exam
Review Questions and Answers | 100% Pass
Guaranteed | Graded A+ |
Read All Instructions Carefully and Answer All the
Questions Correctly Good Luck: -
Alan owns a commercial landscaping business and does
most of his work during the summer months. One day,
he arrives at work to find an enormous hole in the
middle of the yard where he stored his lawn mowers.
Under which Causes of Loss form(s) would the mowers,
which were consumed by the sinkhole, be covered by
his commercial property policy? - =Answer>>
When a gas line explodes close to Georgia's business, it
destroys most of her landscaping, leveling trees and
uprooting shrubs. Which coverage extension could help
cover the cost of replacing these plants? - =Answer>>
A flood inundates Howard's property, causing $100,000
of damage to the dwelling and $25,000 of damage to
the detached garage. If Howard has a Dwelling Form
flood policy with a $150,000 limit, how much will the
policy pay for the damage to Howard's home and
detached garage combined? (Ignore deductible
amounts.) - =Answer>>
A lightning strike sparks a fire on the ground of Blake's
property, causing damage to several trees and shrubs
in the process. Assuming Blake carries a $120,000 DP-2
on his home with a Trees, Shrubs, and Other Plants
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endorsement, what is the maximum Blake can receive
for his 15 damaged plants? - =Answer>>
Paul lives in an area where property values are
appreciating rapidly. He would like his homeowner's
policy to reflect the increase in the value of his home.
Which endorsement might Paul purchase to accomplish
this? - =Answer>>
Which of the following would not be covered under
Employers' Liability insurance? - =Answer>>
Which of the following does NOT have an insurable
interest in Big Ed's Steak House, a local restaurant? -
=Answer>>
Jones' Auto in Dallas, Texas buys 50 cars from ABC Auto
in Tokyo, Japan. They sign a contract whereby Jones'
Auto assumes the risk of any damages to the cars until
they are delivered. What term of sale have they agreed
to? - =Answer>>
Greg's neighbor Sam is trimming his trees in his
backyard. In the process, a big limb from one of Sam's
trees crashes down onto Greg's fence. Assuming Greg
has a DP-1 policy with the Extended Coverage
endorsement, which of the following could help
indemnify Greg for the repairs to his fence? -
=Answer>>
Financial Responsibility Auto Insurance Requirement -
=Answer>> - ability to pay for financial damage they
might cause
If a driver does not have auto insurance what is the
alternative? - =Answer>> - deposit $75,000 cash with
Commisioner
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- file $75,000 bond or real property put up as guarantee
Penalties for Uninsured Driving - =Answer>> •even if
it just 1 day:
- suspension of license
- suspension of registration
- misdemeanor charges could apply
•more than 10 days:
- $25 fee
- suspension of license after 60 days with a $60
reinstatement fee
Minimum Auto Liability Limits - =Answer>> -$25,000
per person for bodily injury
- $50,000 per accident for total bodily injuries
- $25,000 per accident for property damage
* required in order to register, license, or drive car
* must be in effect at the time of the crash
Requirements for Auto Liability Policies - =Answer>> -
must require claims to be filed within 30 days
- policy term of at least 6 months
- premium for the first 30 days upfront
Liability Coverage for Car Rentals - =Answer>> - must
be provided by rental company
- 7-14$/day
- might be covered under renter's own policy or credit
card
Exemptions for Auto Insurance Requirements -
=Answer>> - the owner moves to another state or the
ownership is transferred out of state
- the vehicle's lease is terminated
- if the vehicle is repossessed, stolen, or inoperable,
sold, stolen, or used seasonally, or wrecked
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