University of Alabama
[Risk Management and Insurance Program.]
State Insurance Claims Adjusters Certification
Alabama Claims Adjuster Exam
Course Title and Number: Claims Adjuster Exam
Exam Title: Board Exam
Exam Date: Exam 2024- 2025
Instructor: [Insert Instructor’s Name]
Student Name: [Insert Student’s Name]
Student ID: [Insert Student ID]
Examination
180 minutes
Instructions:
1. Read each question carefully.
2. Answer all questions.
3. Use the provided answer sheet to mark your responses.
4. Ensure all answers are final before submitting the exam.
5. Please answer each question below and click Submit when you have completed
the Exam.
6. This test has a time limit, The test will save and submit automatically when the
time expires
7. This is Exam which will assess your knowledge on the course Learning
Resources.
Good Luck!
, For Inquiries🤔 about This or 📑Any Other Exam 📱HMU
📧 Hybridgrades101@gmail.com
State Insurance Claims Adjusters Certification 2024-
2025
Alabama Insurance Claims Adjuster Pro Exam Review
Questions and Answers | 100% Pass Guaranteed |
Graded A+ |
Read All Instructions Carefully and Answer All the
Questions Correctly Good Luck: -
Joe's homeowners policy has a single limit of $150,000
for bodily injury liability coverage. One day, Joe's friend
was injured in an accident on Joe's property, and the
medical bills came to $15,000, which were covered by
Joe's homeowners policy. Which of the following is
TRUE?
A. Joe's policy still has $150,000 available for bodily
injury liability coverage
B. Joe's per occurrence limit has been reduced by
$15,000, but the aggregate limit is unchanged
C. Joe's aggregate limit has been reduced by $15,000,
but the occurrence limit is unchanged
D. Joe's policy now has a $135,000 available for bodily
injury liability coverage - =Answer>> C. Joe's
aggregate limit has been reduced by $15,000, but the
occurrence limit is unchanged
Greg has two limits listed on his homeowners policy for
liability coverage: one for bodily injury and one for
property damage. Each limit applied on a per
occurrence basis. What type of limits are these?
A. Situational limits
B. Split limits
C. Aggregate limits
D. Single limits - =Answer>> D. Single limits
Need Writing 📝Help? We've Got You Covered! ✍️
100% NO A I or Plagiarism Guaranteed🎯
💬 Chat with us here: 📧 Hybridgrades101@gmail.com
, For Inquiries🤔 about This or 📑Any Other Exam 📱HMU
📧 Hybridgrades101@gmail.com
James owns a masonry business and has a commercial
liability policy with the following liability limits:
$150,000 per occurrence / $500,000 per policy term.
While at a job site, his cement truck's chute cannot
reach the pour site, so the operator adds two extra
chutes, extending its length. The chute collapses under
the weight of the concrete, causing $35,000 in injury to
one of the workers. The loss is covered by the policy,
and James' insurer pays the claim. What will the new
limits be for the remainder of the policy term?
A. $115,000 / $500,000
B. $115,000 / $465,000
C. $150,000 / $500,000
D. $150,000 / $465,000 - =Answer>> D. $150,000 /
$465,000
ABC Masonry, Inc. has an aggregate liability policy with
limits of 100,,000. One day, an accident at a
construction site leads to $150,000 in damage to public
property. Assuming the cause of loss is covered under
ABC Masonry's liability policy, how will this claim be
paid?
A. The insurer pays $100,000; the aggregate limit is
still $300,000; and ABC Masonry must pay $50,000
B. The insurer pays $100,000; the aggregate limit is
now $200,000; and ABC Masonry must pay $50,000
C. The insurer pays $150,000 and the aggregate limit is
still $300,000
D. The insurer pays $150,000 and the aggregate limit is
now $200,000 - =Answer>> B. The insurer pays
$100,000; the aggregate limit is now $200,000; and
ABC Masonry must pay $50,000
Jim has a liability insurance policy with three limits: one
for the maximum amount of bodily injury per person,
Need Writing 📝Help? We've Got You Covered! ✍️
100% NO A I or Plagiarism Guaranteed🎯
💬 Chat with us here: 📧 Hybridgrades101@gmail.com
, For Inquiries🤔 about This or 📑Any Other Exam 📱HMU
📧 Hybridgrades101@gmail.com
one for the maximum amount of bodily injury for all
persons, and one for the maximum amount of property
damage. Each of these limits apply to any one
occurrence. What type of limits does Jim's policy have?
A. Split limits
B. Situational limits
C. Aggregate limits
D. Single limits - =Answer>> A. Split limits
Driving home one night, Jeff runs a red light and
crashed into another car, injuring all three passengers:
Clair, John, and Richard. Clair suffered $25,000 in
injuries, John $45,000, and Richard suffered the most at
$62,000. Assuming Jeff's liability policy limits are set at
/ 75, how much, if any, will Jeff be required to
pay for the passengers' injuries?
A. $12,000
B. $62,000
C. $132,000
D. $0 - =Answer>> A. $12,000
Sarah is playing with a basketball on the stairs at Bob's
house. In doing so, she trips, falls, and breaks her leg.
She files a claim against Bob's insurance policy for her
injuries. The adjuster determines that Sarah was 50%
responsible for her own injuries, and therefore should
only receive indemnification for 50% of her medical
bills. What defense is the adjuster using?
A. Contributory negligence
B. Third party negligence
C. Comparative negligence
D. Assumption of risk - =Answer>> C. Comparative
negligence
Need Writing 📝Help? We've Got You Covered! ✍️
100% NO A I or Plagiarism Guaranteed🎯
💬 Chat with us here: 📧 Hybridgrades101@gmail.com
