Examination
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State Insurance Claims Adjuster- Pro Certification
2024- 2025
Adjuster Pro: Texas Certified Adjuster's Exam
Comprehensive Review Questions and Answers |
100% Pass Guaranteed | Graded A+ |
Read All Instructions Carefully and Answer All the
Questions Correctly Good Luck: -
Which of these is NOT a party to a surety bond? -
=Answer>> collateral
Which financial institution bond is designed for all types
of insurance companies? - =Answer>> Standard Form
25
A fidelity bond covers: - =Answer>> an insured
business for loss resulting from any dishonest acts
committed by its bonded employees.
Which of the following would NOT be covered under a
typical Ocean Marine policy? - =Answer>> The owner
sustains a financial loss when her vessel is confiscated
by the government
In Ocean Marine insurance, this clause appropriates the
loss to one company, rather than spreading the loss
among all cargo owners - =Answer>> Particular
Average
In Ocean Marine insurance, this term of sale states that
the seller of goods is responsible for damage to the
cargo during shipment: - =Answer>> Cost, Insurance,
and Freight (CIF)
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Which of the following best describes inland marine
insurance? - =Answer>> Insurance designed to
protect property being transported on land and
property related to transporation
Anna's Rare Books in Birmingham needs to ship three
F.Scott Fitzgerald first editions to a customer in Mobile.
The combined value of the books is over $400000.
What type of Inland Marine insurance policy should
Anna's Rare Books buy to cover this shipment? -
=Answer>> A trip transit policy
Which statement about Personal Article Floaters is
FALSE? - =Answer>> They have a $500 deductible
In order to adjust claims for the NFIP, adjusters must
meet several requirements. Which of the following is
NOT one of these requirements? - =Answer>> Attend
an NFIP claims presentation every 3 months
A stand alone excess liability policy: - =Answer>>
follows a base policy, but may have different exclusions
and limitations.
Logan has a small plane that he enjoys flying on the
weekends, but he never takes friends or passengers
with him. Which of the following is TRUE? -
=Answer>> Logan should buy Bodily Injury Excluding
Passengers and Property Damage Liability, but he
doesn't need to spend the money on Passenger Bodily
Injury Liability
According to Lonnie's health insurance policy, she is
responsible for paying 15% of all of her medical costs.
This percentage is Lonnie's: - =Answer>> Coinsurance
Payment
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Residual market insurance programs are primarily
designed to meet the needs of which type of
consumer? - =Answer>> High-risk consumers
What is one of the things an applicant has to do in
order to qualify for coverage under the Texas FAIR
plan? - =Answer>> Make a real attempt to secure
coverage for the property in the voluntary market.
When handling a Business Interruption claim, the
adjuster must do all of the following EXCEPT: -
=Answer>> determine the waiting period that applies
to each indirect loss being claimed
What must be proven in order for Time Element
Insurance to cover a loss? - =Answer>> The indirect
losses were the result of a covered direct loss
Which Farm policy would cover animal waste overflow
and chemical spills? - =Answer>> Farm Pollution
Liability
Who sets the critical production dates and assigns
commodity market prices for MPCI policies? -
=Answer>> The Risk Management Agency
Cody made $800/week before he lost an arm in a work-
related injury. By the time his Impairment Income
Benefits run out, he has a job answering phones in an
office, where he makes $300/week. How much could
Cody receive per week in Supplemental Income
Benefits? - =Answer>> $272
Which statement about the Federal Employer Liability
Act is TRUE? - =Answer>> It protects only interstate
railroad workers and their families
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