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Louisiana Adjuster Series 204 Practice questions

Study Material Nov 21, 2025
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Louisiana Adjuster
The coverage territory of the Business Auto form provides for "worldwide liability
coverage" for private passenger autos that the insured:
a) Hires, leases, rents or borrows without a driver while outside the United States, its
territories and possessions.
b) Purchases while outside the United States, its territories and possessions.
c) Sells while outside the United States, its territories and possessions.
d) Occupies while outside the United States, its territories and possessions.
Hires, leases, rents or borrows without a driver while outside the United States, its
territories and possessions..
Which of the following dwelling types would be eligible for the Limited Theft coverage
endorsement to their Dwelling policy?
A nonowner-occupied one-family dwelling.
Which of the following shows a correct sequence of activities for an adjuster when
negotiating a claim?
Acknowledging the claim, then opening a line of communication with the insured or
claimant..
A slippery floor is an example of:
A physical hazard.
An insured suffers a partial fire loss to his residence. Under an HO-3 policy what
insuring agreement is available to pay for temporary, alternate living quarters?
Coverage D
Which of the following is the BEST explanation as to the reason insurance policies are
called "unilateral contracts"?
Because the insurance company is the only party to the contract that can be sued if
they do not meet the terms..
Which of the following terms means "liability through another person"?
Vicarious/Imputed liability
All of the following are duties of the insured after a loss, EXCEPT:
Answer Choices:Select the Correct Answer
a) Promptly hiring a public adjuster to assist in presenting the claim to the insurance
company.
b) Promptly reporting the loss to the insurer.
c) Cooperating with the insurer in the investigation of the claim by providing the
information requested by the adjuster

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