Examination
180 minutes
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State Insurance Claims Adjusters Certification 2024-
2025
Insurance Adjuster Exam Questions and Answers |
100% Pass Guaranteed | Graded A+ |
Read All Instructions Carefully and Answer All the
Questions Correctly Good Luck: -
An insurance contract can be modified by a(n) _____. -
=Answer>> Endorsement
What is a floater used for? - =Answer>> To insure
property that moves from one place to another that is
not otherwise covered in the policy
What is the purpose of supplemental coverage? -
=Answer>> It expands the coverage of a policy
Which is NOT a reason that an insurer may cancel a
homeowners policy? - =Answer>> Too many claims
An insurer may cancel a policy for each of the following
reasons EXCEPT: - =Answer>> The age of the insured
Kent has filed 4 claims on his insurance policy in the
past three years, therefore, ABC Insurance has decided
that he is too high of a risk and they are not going to
renew his policy on his next renewal date. How many
days' notice of the non-renewal is ABC Insurance
required to give to Kent? - =Answer>> 30 days
An insurance policy may be canceled by the insured: -
=Answer>> Both at any time or for any reason
ABC Insurance has decided to cancel Maria's
homeowner's policy because of a fraudulent claim she
has just filed. The policy had only been in effect for 3
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months. On what basis will ABC Insurance return the
unearned premium to Maria? - =Answer>> Pro rata
The limit of liability of most insurance contracts in a
given loss is the - =Answer>> Policy limits
If an insurance policy has aggregate limits, claims are
charged against these aggregate policy limits and
reduce the amount of insurance remaining to pay
future claims. When are these aggregate limits
reinstated in full? - =Answer>> On the next policy
anniversary date
An auto liability policy with split limits of 15/30/5 would
pay what maximum amount in the event of a covered
bodily injury loss to three people? - =Answer>>
$30,000
In liability insurance, policy limits that apply one limit to
each person injured, another for bodily injury claims of
all persons injured in a single accident, and a separate
limit for all property damage arising out of a single
accident is: - =Answer>> Split limits
What is an aggregate limit? - =Answer>> Total
amount that will be paid regardless of the number of
claims in a given period
Greg had an accident with his car. Greg had hit a tree
several blocks away from his house and messed his car
up pretty bad. Greg didn't call anyone but just walked
back home leaving his car. Greg just assumed that it
would be totaled, so he didn't bother doing anything
else with the car. This is an example of what? -
=Answer>> Abandonment
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