CA Adjusters License (California) State Exam *Q&A* (100% Correct) 2025/2026 |VERIFIED|
0 view 0 purchase
Course
California claims adjuster
Institution
California Claims Adjuster
CA Adjusters License (California) State
Exam *Q&A* (100% Correct) 2025/2026
|VERIFIED|
Which of the following dwelling insurance policies includes coverage for rental income loss? - The Basic, Broad, and Special Forms - The Basic and Broad Forms only - The Broad and Special Forms only -...
CA Adjusters License (California) State
Exam *Q&A* (100% Correct) 2025/2026
|VERIFIED|
Which of the following dwelling insurance policies includes coverage for rental income loss?
- The Basic, Broad, and Special Forms
- The Basic and Broad Forms only
- The Broad and Special Forms only
- The Special Form only
The correct answer is: The Basic, Broad, and Special Forms.
All of the following are considered liability doctrines, EXCEPT:
- Vicarious
- Res Ipsa Loquitur
- Strict
- None of the above
The correct answer is: None of the above.
For construction materials stored on or near the residence, under the HO-3 form, they are covered
under which condition?
- If stored less than 30 days
- If destroyed by an insured peril
- If the materials are on a neighbor's property
- Only if they are on the insured's premises
The correct answer is: If destroyed by an insured peril.
1
,Under an Equipment Breakdown Protection policy, the total payout for the following damages is:
- $505,000
- $500,000
- $510,000
- $515,000
The correct answer is: $505,000.
What happens if construction materials are stored in a neighbor’s garage under a DP-3 form, and the
garage is destroyed by fire?
- Coverage is included under building coverage since the materials are next to the insured premises.
- The policy will not cover the materials since they were off the insured premises.
- The materials are only covered if in an enclosed structure.
- The policy applies only if the materials were on the insured’s property.
The correct answer is: Coverage is included under building coverage since the materials are next
to the insured premises.
What must be true for liability coverage to apply under a Personal Auto Policy (PAP)?
- The insured must be sober at the time of the accident
- The person liable must be an insured person
- The insured must be legally liable for the accident
- The damage must be from an auto accident
The correct answer is: The insured must be legally liable for the accident.
Which of the following is excluded under an equipment dealer's form?
2
,- Inventory
- Serviced items
- Customer’s property on the insured’s premises
- Vehicles for highway use
The correct answer is: Vehicles for highway use.
Which of the following is NOT a required component of a hostile fire?
- Must have been intentionally set by the insured
- Must spread beyond its intended place
- Must be sudden and unexpected
- Must involve rapid oxidation with a flame or glow
The correct answer is: Must have been intentionally set by the insured.
How many years must an adjusting firm retain its claim files?
- 4 years
- 5 years
- 10 years
- For as long as the statute of limitations
The correct answer is: 4 years.
An adjuster, acting as a fiduciary, is obligated to do which of the following?
- Seek profit from an outside source
- Represent interests adverse to the principal
- Act with a high degree of loyalty to the principal
- Represent their own financial interests above those of the principal
3
, The correct answer is: Act with a high degree of loyalty to the principal.
Which of the following would be covered under bodily injury liability coverage?
- Physical impairment
- False arrest
- Libel
- Suicide
The correct answer is: Physical impairment.
Which of the following would justify denying coverage or increasing premiums for an automobile policy?
- Race or religion
- Sexual orientation
- Adverse driving history or motor vehicle record
- Ancestry
The correct answer is: Adverse driving history or motor vehicle record.
EXPLANATION:
Adverse driving history or motor vehicle record is the only valid reason of those listed to deny coverage
or charge a higher premium.
EXPLANATION:
A summons is an official notice of a lawsuit. It is given to the person being sued, the defendant. If
someone is being sued, he or she must notified in order to come to court and prepare to defend
themselves. When a defendant is served with a summons, he or she is officially notified of the lawsuit.
4
The benefits of buying summaries with Stuvia:
Guaranteed quality through customer reviews
Stuvia customers have reviewed more than 700,000 summaries. This how you know that you are buying the best documents.
Quick and easy check-out
You can quickly pay through credit card or Stuvia-credit for the summaries. There is no membership needed.
Focus on what matters
Your fellow students write the study notes themselves, which is why the documents are always reliable and up-to-date. This ensures you quickly get to the core!
Frequently asked questions
What do I get when I buy this document?
You get a PDF, available immediately after your purchase. The purchased document is accessible anytime, anywhere and indefinitely through your profile.
Satisfaction guarantee: how does it work?
Our satisfaction guarantee ensures that you always find a study document that suits you well. You fill out a form, and our customer service team takes care of the rest.
Who am I buying these notes from?
Stuvia is a marketplace, so you are not buying this document from us, but from seller StellarGrades. Stuvia facilitates payment to the seller.
Will I be stuck with a subscription?
No, you only buy these notes for $10.22. You're not tied to anything after your purchase.
