Question List: Florida 6-20 All Lines Claims Adjuster Test Questions and

Question List: Florida 6-20 All Lines Claims Adjuster Test Questions and

Answers (Veri)ed Answersx - Learne1ams NumberQuestionAnswerAction p A buclih adjuster rebresents tfe interest

o.:AB Tfe insurerIB Tfe ynsuredCB Tfe

embloDergB Tfe interest o. tfe Weneral buclih IB Tfe insured

• vfihf o. tfe .ollowinW is tfe tDbe o.

rebort tfat indihates tfe initial results o.a hlaim in?estiWationRAB Field NebortIB ynterim NebortCB Full NebortgB 3one o.tfe aco?e AB Field Nebort S Ptates fa?e adobted statutes reWardinW hlaims adjustinWB To a?oid un.air treatment to ahlaimant tfe adjuster must

not:AB 4rombtlD in?estiWate tfe hlaimBIB

Follow tfe laws reWardinW tfe numcer o.daDs in wfihf to hommenhe an in?estiWationBCB genD tfe hlaim until a .air and brombt in?estiWation fas hommenhedBgB 4aD tfe hlaim witfin a reasonacle numcer o. daDs a.ter tfe )nal broo. o. loss fas ceenrehei?edB CB genD tfe hlaim until a .air and brombt in?estiWation fas hommenhedB k vfihf o. tfe .ollowinW is not a hlaim settlement obtionRAB ForhinW tfe insured to sue cD o..erinW less tfan tfe hlaim is wortfBIB NebairinW brobertDBCB NeblahinW witf liqe qind and 5ualitDBgB Neblahe witf new AB ForhinW tfe insured to sue cD o..erinW less tfan tfe hlaim is wortfB

E Tfe Wi?inW ub o. a qnown riWft is halled:AB

7stobbelIB Violation o. bolihD honditionsCB NecatinWgB vai?er gB vai?er

• An innohent bartD relies on hertain

statements made cD tfe adjuster and is damaWed as aresultB Tfe WuiltD bartD maD ce leWallD broficited .rom assertinW tfat

tfe .aht does not e1istcehause o.:AB

vai?erIB 7stobbelCB guties o. tfe adjustergB Law o. hontraht IB 7stobbel ' Pfould an insured .ail to rebort a hlaim in a timelD .asfion tfe adjuster will

usuallD:AB genD tfe hlaimBIB Pend tfe

insured a reser?ation o. riWfts letterBCB Cease in?estiWatinWBgB Peeq tfe ad?ihe o.tfe hombanD8s attorneDB IB Pend tfe insured a reser?ation o. riWfts letterB

• A hombanD adjuster brimarilD rebresents

tfe interests o.:AB Tfe insuredBIB Tfe

hlaimantBCB Tfe insurerBgB Tfe buclihB CB Tfe insurerB H An adjuster8s lihense will usuallD ce re?oqed .or wfihf o. tfe .ollowinW

reasons:AB genDinW hlaims tfat are not

ho?eredBIB FailinW to rebort a hfanWe o.addressBCB Ma?inW ceen hon?ihted o. a misdemeanorBgB Ma?inW ceen hon?ihted

• a .elonDB

gB Ma?inW ceen hon?ihted o. a .elonDB p0 Tfe insured fas ceen in?ol?ed in an automocile ahhident and fas sustained codilD injuriesand damaWe to tfe insured

?efihleB Tfe adjuster will usuallD:AB

gB 4aD to rebair tfe damaWe to tfe ?efihle and octain a bartial release and settle tfemedihal baDments later and tfen seeq a )nal releaseB

NumberQuestionAnswerAction vitffold anD baDment until all tfe cills fa?e ceen re?iewed .or baDmentBIB 4aD to rebair tfe ?efihle and baD tfe medihal cills laterBCB 4aD .or tfe rebair o. tfe ?efihle and re5uire a release .or all hlaimsBgB 4aD to rebair tfe damaWe to tfe ?efihle and octain a bartial release and settle tfemedihal baDments later and tfen seeq a )nal releaseB pp JrB /ones fas damaWed fis ?efihle cD

striqinW a treeB Me han:AB Taqe tfe har to a

rebair WaraWe rehommended cD tfe insurerBIB Taqe tfe har to a WaraWe o. fisU fer hfoiheBCB Ahhebt tfe baDment cased on tfe adjuster8s estimateBgB All o. tfe aco?eB gB All o. tfe aco?eB p2 yn hase o. a total loss to a ?efihle tfe adjuster will baD tfe insuredUhlaimant wfihf o. tfe.ollowinWRAB Tfe host to reblahe tfe ?efihle witf liqe qind and 5ualitD i. a hurrent DearmodelBIB "se tfe most rehent buclihation o. an OG,hial "sed Car YuideOBCB y. not listed in tfe OWuideO_ octain 5uotations .rom automocile dealersBgB All o. tfe aco?e debendinW on tfe hirhumstanhesB gB All o. tfe aco?e debendinW on tfe hirhumstanhesB pS vfihf o. tfe .ollowinW is 3GT a hlaim settlement obtion .or liacilitD hlaimsRAB Lost waWesIB 71hessi?e amounts hlaimedCB Loss o. usegB gis)Wurement IB 71hessi?e amounts hlaimed pk vfihf o. tfe .ollowinW results in immediate baDment wfen tfe hlaimant siWns a releaserelin5uisfinW fis or fer riWft to sueRAB Phfeduled 4aDment NeleaseIB Full Nelease PettlementCB Ad?anhed 4aDmentgB Ptruhtured Pettlement IB Full Nelease Pettlement pE vfihf o. tfe .ollowinW relie?es tfe )nanhial curden on tfe hlaimant cD maqinW hertainbaDments to tfe hlaimant e?en ce.ore tfe hlaim han ce neWotiatedR AB 3o Nelease or valq-AwaDIB NefacilitationCB Ad?anhed 4aDmentgB Gben-7nded Nelease CB Ad?anhed 4aDment p6 vfihf o. tfe .ollowinW statements is horrehtRyB Tfe Iusiness Auto 4olihD uses p0 sDmcols to de)ne ho?ered ?efihlesyyB PDmcols S0 and Sp abblD to tfe YaraWe 4olihDBAB y onlDBIB yy onlDBCB 3eitfer y nor yyBgB Iotf y and yyB gB Iotf y and yyB p' vfihf o. tfe .ollowinW is not a Iusiness Auto endorsementRAB gri?e Gtfer CarBIB CfanWe Gtfer gri?erBCB yndi?idual 3amed ynsuredBgB Jocile 75uibmentB IB CfanWe Gtfer gri?erB p9 "nder tfe Iusiness Auto 4olihD_ eahf o.tfe .ollowinW is true acout hlassi)hation

o.Oho?ered autos_O e1hebt:AB OAnD autoO is

tfe croadest ho?eraWe hlassi)hationBIB An insured maD seleht di..erent hlassi)hations .or di..erent ho?eraWesBCB CB All hlasses o. newlD ah5uired autos are automatihallD ho?eredB

NumberQuestionAnswerAction All hlasses o. newlD ah5uired autos are automatihallD ho?eredBgB OMired autosO inhludes autos tfe insured leases_ fires_ rents or corrowsB pH AhhordinW to tfe Iusiness Auto

de)nitions_ an OahhidentO:AB ynhludes

hontinuous or rebeated e1bosure to tfe same honditionsBIB Just ce sudden and une1behtedBCB Just ce une1behted and unbre?entacleBgB ys anD e?ent tfat hauses injurD or damaWeB AB ynhludes hontinuous or rebeated e1bosure to tfe same honditionsB 20 /osebf zounW_ wfo is insured under a Iusiness Auto bolihD_ is in?ol?ed in an ahhidentBMe and tfe insuranhe hombanD disaWree on tfe amount to ce baid .or tfe damaWe to fisharB "nder tfe terms o. tfe bolihD_ wfihf o. tfe .ollowinW statements

is true:AB 7ahf bartD enWaWes an

abbraiser_ and tfe abbraisers will seleht an umbireBIB JrB zounW must ahhebt tfe insuranhe hombanD8s estimateBCB 7ahf bartD enWaWes an abbraiser_ and tfe abbraisers will dehide tfe amountBgB Tfe estimates o. cotf barties will ce a?eraWedB AB 7ahf bartD enWaWes an abbraiser_ and tfe abbraisers will seleht an umbire 2p "nder Form JCP-H0_ a $$$$$ notihe to tfe otfer bartD is re5uired .or hanhellation o.ho?eraWe on tfe bart o. eitfer tfe insurer or insuredBAB p0 daDIB '2 fourCB pk daDgB SE daD gB SE daD 22 vfihf o. tfe .ollowinW is honsidered a OWaraWe oberationORyB Gwnersfib_ maintenanhe or use o. WaraWe bremisesByyB Pale o. broduhts or ser?ihes in honnehtion witf WaraWe oberationsByyyB Gwnersfib or maintenanhe o. ho?ered autosByVB 4roduhtion or subbort o. rahinW or hombetiti?e oberationsBAB y and yy onlDBIB y_ yy_ and yyy onlDBCB y and yyy onlDBgB y_ yy_ yyy_ and yVB IB y_ yy_ and yyy onlDB 2S vfihf o. tfe .ollowinW would ce ho?ered under a YaraWe LiacilitD 4olihDRAB gamaWe to brobertD tfe insured is transbortinW to anotfer lohationBIB Tfe use o. ho?ered autos leased to anotfer bartD e1hebt as a reblahement .or a harunder rebairBCB 4roduhts and hombleted oberationsBgB Co?ered autos used in orWani%ed rahinWB CB 4roduhts and hombleted oberationsB 2k vfihf o. tfe .ollowinW bollution losses would ce ho?ered under tfe YaraWe LiacilitD4olihDRyB 7shabe o. to1ih sludWe .rom a dumbsite tfe named insured utili%es to store WaraWewasteByyB 4ollution

• a hreeq haused cD a Wasoline leaq .rom

tfe rubtured .uel tanq o. aho?ered truhq .ollowinW a hollision witf anotfer ?efihleBAB y onlDBIB Iotf y and yyBCB 3eitfer y nor yyBgB yy onlDB gB yy onlDB 2E YaraWeqeebers ho?eraWe e1hludes all o. AB Loss to a fiWf-?alue stereo sDstem bermanentlD

NumberQuestionAnswerAction

tfe .ollowinW losses_ e1hebt:AB Loss to a

fiWf-?alue stereo sDstem bermanentlD installed in a hustomer8s autoBIB Loss to Cgs .rom a ho?ered autoBCB FaultD worq ber.ormed cD a mehfanihBgB Tfe.t o.e5uibment .rom a ho?ered auto cD a WaraWe embloDeeB installed in a hustomer8s autoB 26 71tra 71bense insuranhe ho?ers tfe host

o.:AB NelohationBIB TemborarD lohationBCB

Nesearhf hosts to reblahe lost in.ormationBgB All o. tfe aco?eB gB All o. tfe aco?eB 2' Tfe Pbehial Cause o. Loss .orm e1hludes

all o. tfe .ollowinW_ e1hebt:AB Loss o.

marqetBIB Loss due to arti)hiallD Wenerated elehtrih hurrentBCB AWrihultural smudWinWBgB 3one o. tfese are e1hlusionsB gB 3one o. tfese are e1hlusionsB 29 7artf mo?ement is ho?ered under wfihf

• tfe .ollowinW Cause o. Loss .ormsRAB

3oneIB IasihCB Iroad onlDgB Iasih and Iroad AB 3one 2H Volhanih ahtion is ho?ered under wfihf o.tfe .ollowinW Cause o. Loss .ormsRAB 3oneIB IasihCB Iroad onlDgB Iotf Iasih and Iroad gB Iotf Iasih and Iroad S0 Pbrinqler leaqaWe is ho?ered under wfihf

• tfe .ollowinW Cause o. Loss .ormsRAB

IasihIB IroadCB PbehialgB All o. tfe aco?e gB All o. tfe aco?e Sp All o. tfe .ollowinW bro?ide an additional amount o. insuranhe under tfe Commerhial IuildinWand 4ersonal

4robertD .orm_ e1hebt:AB LotterD

TihqetsIB 3ewlD ah5uired brobertDCB 4robertD o..-bremisesgB Gutdoor 4robertD AB LotterD Tihqets S2 vfihf o. tfe .ollowinW .orms ho?er Xood and eartf5uaqe damaWeRAB IuildinW and 4ersonal 4robertD .ormIB Pbehial .ormCB Iroad .ormgB 3one o. tfe aco?e gB 3one o. tfe aco?e SS Tfe 7artf5uaqe and Volhanih 7rubtion

endorsement bro?ides ho?eraWe:AB

AWainst eartf5uaqe .rom ?olhanih erubtionIB For hommerhial cuildinWs and otfer ho?ered brobertD wfen used in honjunhtion witfanotfer Cause o. Loss .ormsCB For damaWe haused cD sfohqs tfat ohhur witfin p69-fours a.ter bolihD e1biration i.tfese sfohqs ceWan durinW tfe bolihD beriodgB All o. tfe aco?e gB All o. tfe aco?e Sk Tfe Commerhial IuildinW and 4ersonal 4robertD Co?eraWe .orm e1hludes all o.

tfe .ollowinWtDbes o. brobertD_ e1hebt:AB

PehuritiesIB 4robertD o. otfers in tfe insured8s hare_ hustodD and hontrolCB LandgB 4atios or otfer ba?ed sur.ahes IB 4robertD o. otfers in tfe insured8s hare_ hustodD and hontrol SE "nder tfe Commerhial IuildinW and 4ersonal 4robertD .orm_ ho?eraWe .or tfe

OcuildinWOinhludes:AB Additions and

gB All o. tfe aco?e