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Adjuster Exam (Arizona) | Questions with 100% Correct Answers | Verified | Updated 2024
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Adjuster Exam (Arizona) | Questions with 100% Correct Answers | Verified | Updated 2024
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Adjuster Exam (Arizona)1. Commercial Automobile Insurance Procedure (Arizona): Similarly, high-
risk commercial consumers who have trouble finding automobile
insurance in the volun- tary market may find coverage through the
Commercial Automobile Insurance Plan (CAIP). Coverages available
under CAIP are more limited than those available to drivers of private
passenger vehicles. Under this plan, commercial consumers may only
obtain Bodily Injury and Property Damage Liability with basic limits,
unless higher limits are required by law. Physical Damage Coverage is
only available for light pick-up trucks and motorcycles. Like private
drivers, commercial drivers apply for this coverage through the WAAIP.
2. Coverage E (HO): Personal Liability-
Pays for bodily injury and property damage to third party.
Applies even if the insured property causes a third party damages. neve
pays the insured.
100,000 min coverage.
3. Coverage F (HO): Medical Payments- No fault coverage.
Medical expenses incurred by third party due to an accident on insured
premises. Only necessary, reasonable medical charges.
1000 minimum limit.
4. Additional Coverages section 2 (HO): Property to
others First Aid
Claim
Expenses Loss
,Assessment
5. Limited Fungi, Wet or Dry Rot, or Bacteria Coverage: This endorsement
de- fines fungi as "any type or form of fungus, including mold or
mildew, and any mycotoxins, spores, scents or byproducts produced or
released by fungi."
It also provides a specified amount of additional coverage for loss
caused by fungi. This liability coverage has its own sub-limit within the
total Coverage E limit.
6. Home Day Care: This endorsement may provide both property and
liability cover- age as long as the business is conducted by the insured
on their residence premises and scheduled in the endorsement.
7. Watercraft Liability: Specifically, this endorsement is intended for
watercraft powered by motors with more than 25 horsepower and
sailing vessels 26 feet or more in length.
This coverage does not apply to watercraft being operated in racing
activities (except for sailing vessels), craft that are being rented to
others, or to craft used to carry people for a fee
8. Dwelling policy: Is for people and business who are not eligible for
homeowners insurance.
Covers property only, not liability
,9. Dwelling vs Homeowners: homeowners insurance requires someone to
reside at the property.
Homeowners requires the owner be an actual
person. Dwelling does not require someone to
reside Dwellings can be held by businesses or
companies.
Farms are not eligible for either- they must be covered by a farm policy
10.Dwelling coverage forms: DP-1: basic
form DP-2: broad form
DP-3: special form
11.DP-1: Basic form
named peril
coverage:
covers only fire, lightning, and internal
explosions. Endorsements:
VMM (Vandalism and malicious mischief)
Extended coverage endorsement :
WCSHAVVER
12.WCSHAVVER: W-
windstorm C- civil
Commotion
S-
smoke
H- hail
A-
, aircraft
V-
vehicles
V- volcanic
eruption E-
external explosion
R- riot
13.DP-2: Same perils as a basic form, with
more. extended form perils (WCHAVVER)
broad form perils such as vandalism, damage by burglars, glass
breakage, falling objects, weight of ice, collapse of building, sudden
and accidental tearing apart, freezing, artificial electrical currents,
accidental discharge or overflow of water.
14.DP-3: Special Form
if a peril is not excluded, its is covered. ( long list of exclusions- settling,
cracking, shrinking, bulging of patios, foundations, etc.
damage from birds or bugs.
Damage from domestic
animals theft
etc)
15.Dwelling Coverage A: Principle Dwelling- attached structures, service
machin- ery, building materials on or next to the dwelling. (not tools or
damage to the land itself)
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