Florida 6-20 All Lines Adjuster Test Review |100% Correct|
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Florida 6-20 All Lines Adjuster Test
Review |100% Correct|
_______ limit an insurer's liability.
A. Provisions
B. Reinstatements
C. Exclusions
D. None of the above *Ans*C. Exclusions
:All of the following events are considered acts of terrorism, except:
A. Acts of riot and civil co...
Florida 6-20 All Lines Adjuster Test
Review |100% Correct|
_______ limit an insurer's liability.
A. Provisions
B. Reinstatements
C. Exclusions
D. None of the above *Ans*✨C. Exclusions
:All of the following events are considered acts of terrorism, except:
A. Acts of riot and civil commotion
B. Acts considered dangerous to human life, property or infrastructure.
C. Acts resulting in damage within or outside the United States.
D. Acts committed at the premises of any United States mission. *Ans*✨A. Acts of riot and civil
commotion
2. Damage to a windshield by a bird would be covered under:
A. Collision
B. Comprehensive
C. Liability
D. All of the above. *Ans*✨B. Comprehensive
2. In Ocean Marine Insurance, the term "average" means:
A. The ACV of the ship
B. The annual premium for the insurance policy
C. Loss or damage
D. That coverage is written on a named peril basis *Ans*✨C. Loss or damage
,4. Volcanic action is covered under which of the following Cause of Loss forms?
A. None
B. Basic
C. Broad only
D. Both Basic and Broad *Ans*✨D. Both Basic and Broad
A ______ health policy affords the greatest degree of continued protection to an insured.
A. Guaranteed renewable
B. Non-cancellable
C. Optionally renewable
D. Conditionally renewable *Ans*✨B. Non-cancellable
A building valued at $100,000 was insured for $80,000 with a policy containing 80%
Coinsurance clause. Disregarding any deductibles, what would the company pay on a
$20,000 loss?
A. $7,500
B. $5,000
C. $15,000
D. $20,000 *Ans*✨D. $20,000
A car, traveling at high speed, skids at a turn and rolls over. The damage incurred would be
covered under which of the following personal auto coverages?
A. Collision
B. Comprehensive
C. Uninsured motorist
D. P.D. liability *Ans*✨A. Collision
A church has hired a painting contractor to stain and varnish the woodwork in the building.
,He leaves the rags and brushes used to apply the painting materials in a small storage area.
This is an example of:
A. A peril
B. A hazard
C. Assumption of risk
D. Direct loss *Ans*✨B. A hazard
A company adjuster primarily represents the interests of:
A. The insured.
B. The claimant.
C. The insurer.
D. The public. *Ans*✨C. The insurer.
A condominium owner-occupant would be in the market for a:
A. HO-2.
B. HO-3.
C. HO-4.
D. HO-6. *Ans*✨D. HO-6.
A contractor has borrowed funds from a bank in order to finance a construction project.
A Surety bond which guarantees the lender that the contractor will use the borrowed funds
to finish the contract free and clear of liens is known as:
A. A Performance bond
B. Bid bond.
C. Completion bond
D. Labor and materials bond *Ans*✨C. Completion bond
A deductible that is commonly used in aircraft physical damage insurance is usually:
, A. A percentage of the value
B. A flat deductible
C. A disappearing deductible
D. A franchise deductible *Ans*✨A. A percentage of the value
A deer crashes into the side of the insured's car. Which of the following PAP coverages
would cover this damage?
A. Property damage liability.
B. Collision.
C. Uninsured motorist property damage.
D. Comprehensive. *Ans*✨D. Comprehensive.
A homeowner has a fire that totally destroys a $200 typewriter before the fire is
extinguished. If the fire coverage on contents contains a $250 deductible, the insured will
receive:
A. $200
B. $50
C. $250
D. $ 0 *Ans*✨D. $ 0
A Homeowner Policy can be purchased by:
A. A person buying a home under the installment plan.
B. An individual who owns a home under the course of construction.
C. The owner of a seasonal dwelling who is insured under a Homeowner Policy for her
primary dwelling.
D. All of the above. *Ans*✨D. All of the above.
A Homeowner Policy may be cancelled by the insured:
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