Florida 6-20 All Lines Adjuster Test

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Florida 6-20 All Lines Adjuster Test

1.A public adjuster represents the interest of:

A.The insurer B.The Insured C.The employer

D.The interest of the general public: B. The insured

2.Which of the following is the type of report that indicates the initial results of a claim investigation?A.Field Report B.Interim Report C.Full Report

D.None of the above: A. Field Report

3.States have adopted statutes regarding claims adjusting. To avoid unfair treatment to a

claimant the adjuster must not:

A.Promptly investigate the claim.B.Follow the laws regarding the number of days in which to commence an investigation. 1 / 4

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C.Deny the claim until a fair and prompt investigation has commenced.D.Pay the claim within a reasonable number of days after the final proof of loss has been

received.: C. Deny the claim until a fair and prompt investigation has

commenced.

4.Which of the following is not a claim settlement option?A.Forcing the insured to sue by offering less than the claim is worth.B.Repairing property.C.Replacing with like kind and quality.

D.Replace with new: A. Forcing the insured to sue by offering less than

the claim is worth.

5.The giving up of a known right is called:

A.Estoppel B.Violation of policy conditions C.Rebating

D.Waiver: D. Waiver

6.An innocent party relies on certain statements made by the adjuster and is damaged as a result. The guilty party may be legally prohibited from asserting that the fact does not exist

because of: 2 / 4

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A.Waiver B.Estoppel C.Duties of the adjuster

D.Law of contract: B. Estoppel

7.Should an insured fail to report a claim in a timely fashion the adjuster

will usually:

A.Deny the claim.B.Send the insured a reservation of rights letter.C.Cease investigating.

D.Seek the advice of the company's attorney.: B. Send the insured a

reservation of rights letter.

8.A company adjuster primarily represents the interests of:

A.The insured.B.The claimant.C.The insurer.

D.The public.: C. The insurer.

9.An adjuster's license will usually be revoked for which of the

following reasons:

A.Denying claims that are not covered.B.Failing to report a change of address.C.Having been convicted of a misdemeanor. 3 / 4

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D.Having been convicted of a felony.: D. Having been convicted of a

felony.

10.The insured has been involved in an automobile accident and has sus- tained bodily injuries

and damage to the insured vehicle. The adjuster will usually:

A.Withhold any payment until all the bills have been reviewed for payment.B.Pay to repair the vehicle and pay the medical bills later.C.Pay for the repair of the vehicle and require a release for all claims.D.Pay to repair the damage to the vehicle and obtain a partial release and settle the

medical payments later and then seek a final release.: D. Pay to repair

the damage to the vehicle and obtain a partial release and settle the medical payments later and then seek a final release.

11.Mr. Jones has damaged his vehicle by striking a tree. He can:

A.Take the car to a repair garage recommended by the insurer.B.Take the car to a garage of his/her choice.C.Accept the payment based on the adjuster's estimate.

D.All of the above.: D. All of the above.

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