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Hawaii Adjuster Exam Latest Update Actual Exam with 540 Questions and 100% Verified Correct Answers Guaranteed A+ At First Attempt Verified By Professor
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Hawaii Adjuster Exam Latest Update Actual Exam with 540 Questions and 100% Verified Correct Answers Guaranteed A+ At First Attempt Verified By Professor
Hawaii Adjuster Exam Latest Update 2024-
2025 Actual Exam with 540 Questions and 100%
Verified Correct Answers Guaranteed A+ At First
Attempt Verified By Professor
"Twisting" always involves some type of: - CORRECT ANSWER: Misrepresentation
A 40-year old commercial building is insured with a limit on the building of $300,000 and
has suffered a partial loss as a result of a hot water heater explosion. It will cost
$17,000 for the increased cost of construction to comply with the building codes and
$20,000 for all other covered damages. The building is covered under a standardized
Building and Personal Property coverage form, with the special cause of loss form
attached. The insured submits the proof of loss for all of the repairs, including the
increased costs to comply with the new building codes. Which of the following describes
how this claim will be paid? - CORRECT ANSWER: The insurer will pay $10,000 for the
increased cost of construction, plus $20,000 for the cost of all other covered damages
A burglar apprehended in Smith's Jewelry Store by Mr. Smith, the owner, puts up a fight
and suffers a broken jaw as a consequence. The burglar sues Smith's Jewelry Store for
bodily injury. Will the store's CGL policy provide defense of the suit? - CORRECT
ANSWER: Yes. Although intentional, the injury was committed by Mr. Smith to protect
himself and his property and is therefore covered
A business auto policy has a $100,000 limit of insurance for liability coverage. As a
result of an automobile accident involving a covered auto, two people are injured. The
first injured party sues the named insured and wins a $150,000 judgment. The insurer
pays its limit of insurance. If the other injured party later sues the insured, the insurer
will: - CORRECT ANSWER: Deny further obligations to the insured as a result of the
other injured party
A business auto policy has a $100,000 limit of insurance for liability coverage. As a
result of an automobile accident involving a covered auto, two people are injured. The
first injured party sues the named insured and wins a $150,000 judgment. The insurer
pays its limit of insurance. If the other injured party later sues the insured, the insurer
,will: - CORRECT ANSWER: Deny further obligations to the insured as a result of the
other injured party
A business covered by a standard Businessowners policy is shut down due to the acts
of a civil authority. Which of the following additional coverages would NOT be subject to
a waiting period before coverage would apply? - CORRECT ANSWER: Extra Expense
A business covered by a standard Businessowners policy is shut down due to the acts
of a civil authority. Which of the following additional coverages would NOT be subject to
a waiting period before coverage would apply? - CORRECT ANSWER: Extra Expense
A claim is brought against the named insured under a CGL policy. Before settlement is
made the insured files for bankruptcy. This action: - CORRECT ANSWER: Does not
relieve the insurance company from paying the claim
A claim is brought against the named insured under a CGL policy. Before settlement is
made the insured files for bankruptcy. This action: - CORRECT ANSWER: Does not
relieve the insurance company from paying the claim
A claim is brought against the named insured under a CGL policy. Before settlement is
made the insured files for bankruptcy. This action: - CORRECT ANSWER: Does not
relieve the insurance company from paying the claim. is correct
A Commercial Package Policy (CPP) always includes:
I. A single Declarations page common to all coverages.
II. A single Conditions section common to all coverages.
III. A single Exclusions section common to all coverages. - CORRECT ANSWER: I and
II only
A covered commercial auto requires $700 in repairs because of damage done by a limb
from a dead tree that fell on it. The auto's BAP physical damage coverage has a $100
comprehensive deducible and a $250 collision deductible. Assuming that the ACV and
replacement cost of the vehicle is $700, the insurer will pay: - CORRECT ANSWER:
$600
,A customer is injured on the insured's premises and the insured is not found legally
liable. The insured carries a Commercial General Liability policy. Which of the following
CGL coverages would apply to cover the customer's injuries? - CORRECT ANSWER:
Medical payments
A customer is injured on the insured's premises and the insured is not found legally
liable. The insured carries a Commercial General Liability policy. Which of the following
CGL coverages would apply to cover the customer's injuries? - CORRECT ANSWER:
Medical payments
A document that temporarily obligates an insurance company to provide coverage while
the issuance of a policy is pending is known as: - CORRECT ANSWER: A binder
A Fire policy issued by a mutual insurer in Hawaii is: - CORRECT ANSWER: Is subject
to the requirement of adding the total amount for which the insured may be liable, as
required under the charter or articles governing the insurer, in the body of the policy
A Flood Insurance Rate Map: - CORRECT ANSWER: Outlines the special flood hazard
areas and community flood zones
A fur coat that is insured by a Personal Articles Floater is damaged by a pet. Coverage
for the coat would be provided because the policy is written on: - CORRECT ANSWER:
An open peril basis
A landlord has wrongfully evicted a tenant. A lawsuit is brought by the tenant against the
landlord. The landlord would need: - CORRECT ANSWER: Personal injury coverage
A named insured in a Personal Umbrella policy has died. Which of the following is true
regarding how the policy will be "assigned" following the death? - CORRECT ANSWER:
The policy will be continue to cover the spouse or any member of the deceased
insured's household, but only while residing in the residence premises and only until the
end of the policy period
, A new homeowner is being forced into purchasing insurance from a particular insurance
company as a condition to receiving a mortgage. The lender is guilty of which of the
following unfair trade practices? - CORRECT ANSWER: Coercion
A NFIP policy has a policy period of: - CORRECT ANSWER: One year term only
A person injured in an automobile accident in Hawaii can collect up to _______, per
month for their loss of wages under the provisions of PIP coverage. - CORRECT
ANSWER: $1,200
A person takes bank deposits to the bank every day for a business. In Commercial
Crime insurance terminology, this person is known as a: - CORRECT ANSWER:
Messenger (A messenger has custody of the insured's property outside the insured's
premises.)
A person takes bank deposits to the bank every day for a business. In Commercial
Crime insurance terminology, this person is known as a: - CORRECT ANSWER:
Messenger (A messenger has custody of the insured's property outside the insured's
premises.)
A person who knowingly makes false and maliciously critical or derogatory statements
about another person with the intent to cause injury is guilty of: - CORRECT ANSWER:
Defamation
A Personal Articles Floater (PAF) is designed to protect property owners from damage
or losses to personal property while in the process of transport. Which of these
statements about a PAF is FALSE? - CORRECT ANSWER: A PAF only covers property
in the continental United States
A Personal Articles Floater (PAF) is designed to protect property owners from damage
or losses to personal property while in the process of transport. Which of these
statements about a PAF is FALSE? - CORRECT ANSWER: A PAF only covers property
in the continental United States
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