Examination
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State Insurance Claims Adjuster- Pro Certification
2024- 2025
Adjuster- Pro Exam Section 3 Adjuster- Pro Exam
Section 6 Comprehensive Review Study Guide |
100% Pass Guaranteed | Graded A+ |
Read All Instructions Carefully and Answer All the
Questions Correctly Good Luck: -
The Personal Auto Policy (PAP) - =Answer>> A policy
that combines liability insurance with other optional
coverages
PAP Policies can cover - =Answer>> -Individuals and
residing family members
-People driving car with owner's permission
-Four-wheeled vehicles under 10,000 lbs
*Insurable interest is required
PAP Policies will indemnify for: - =Answer>> -Property
Damage
-Personal Injury
-Legal Defense
What will PAPs not pay for - =Answer>> Punitive
Damages
8 Sections of Typical PAP - =Answer>> 1. Declarations
2. Part A Liability
3. Part B Medical Payments
4. Part C Uninsured Motorist
5. Part D Coverage for Damages to Your Auto
6. Part E Duties After an Accident or Loss
7. Part F General Provisions
8. Endorsements
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Auto Insurance Deductibles - =Answer>> Fixed
amount on a Per Claim Basis
Deductibles typically only apply to what type of Auto
Insurance coverages - =Answer>> Collision and
Comprehensive
Your Covered Auto Definition - =Answer>> 1. The car
specified on declarations page
2. Any car the named insured borrows with permission
3. A newly acquired auto
4. A trailer that the insured owns
5. A temporary substitute for a car or trailer listed on
the dec page due to an incident
Newly Acquired Auto definition - =Answer>> Any new
or used vehicle that the insured gets during the current
policy period
Rules for Adding Newly Acquired Atuo - =Answer>> -If
new auto is replacing auto listed on dec page, no
reporting is needed.
-If new auto is not replacing auto listed on dec page,
insured has 14 days to report to insurer
-Comprehensive and Collision Coverage can be added
within 4 days of getting new car and are automatically
applied for first 4 days with $500 deductible
Covered Person - =Answer>> 1. The named insured
and family members living in the same household
2. Someone using covered auto with permission
Minimum amount of auto required for some states -
=Answer>> $25,000 for person's injuries
$50,000 max for all injuries in any one accident
$10,000 max for all property damage
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