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Kentucky Adjuster Exam Prep || Most Recent Exam
2026 Actual Complete Real Exam Questions And
Correct Answers||Verified Exam!! (Verified Answers)
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Which insuring agreement of the Personal Auto policy
would provide coverage for the damage caused to the
other driver's car, when the insured was at fault in an
accident?
Part D - Physical Damage
Part B - Medical Payments
Part A - Liability
Part C - Uninsured Motorists - Answers-Part A
Mary intentionally trips her neighbor while the neighbor is
trespassing on the insured's property. Although the
neighbor is not injured, Mary gives the neighbor $500 in
cash to settle any potential liability claim. How will Mary's
insurance company most likely respond in this situation?
The insurer will reimburse Mary for the entire $500.
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The insurer will reimburse Mary for $500, less any
applicable deductible.
The insurer will sue the neighbor for the return of the $500
because the neighbor was not injured.
The insurer will deny liability coverage because Mary's
action was intentional. - Answers-The insurer will deny
liability coverage because Mary's action was intentional
In regards to Workers Compensation insurance, which of
the following experience modification factors would
indicate that an insured has sustained a relatively high
frequency and severity of losses in the recent past?
1.25
1.00
.95
.75 - Answers-1.25
The insured is covered by a Commercial General Liability
policy with a $600,000 general aggregate limit, a $600,000
products-completed operations aggregate limit, and a
$300,000 per occurrence limit. The insured has one claim
for $350,000 and another for $100,000 arising out of the
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premises and operations hazards during the policy period.
How much of the general aggregate limit will remain for
future claims within the same policy period?
$200,000.
$50,000.
$600,000.
$400,000. - Answers-$200,000
The insured and her 18-year-old son, who lives in the
insured's household, are crossing the street when both of
them are struck by a drunk driver. The Part B - Medical
Payments coverage of the insured's personal auto policy
will:
Provide coverage for the son
Provide coverage for the insured and the son
Not provide coverage because they were a pedistrian -
Answers-Provide coverage for both the insured and her
son
A business covered by a standard Businessowners policy
is shut down due to the acts of a civil authority. Which of
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the following additional coverages would NOT be subject
to a waiting period before coverage would apply?
Business Income.
Extra Expense.
Extended Business Income.
Business Income from Dependent Properties. - Answers-
Extra Expense
The Mobile Home endorsement may be attached to which
of the following Homeowners forms?
The HO-2 or HO-3 only.
The HO-6 only.
The HO-2 or HO-5 only.
The HO-3 only. - Answers-The HO2 & HO3
After property or casualty coverage has been in effect
more than 60 days in Kentucky, a notice of cancellation
may not be issued unless it is based on which of the
following reasons?
Kentucky Adjuster Exam Prep || Most Recent Exam
2026 Actual Complete Real Exam Questions And
Correct Answers||Verified Exam!! (Verified Answers)
Already Graded A+||Newest Exam!!!
Which insuring agreement of the Personal Auto policy
would provide coverage for the damage caused to the
other driver's car, when the insured was at fault in an
accident?
Part D - Physical Damage
Part B - Medical Payments
Part A - Liability
Part C - Uninsured Motorists - Answers-Part A
Mary intentionally trips her neighbor while the neighbor is
trespassing on the insured's property. Although the
neighbor is not injured, Mary gives the neighbor $500 in
cash to settle any potential liability claim. How will Mary's
insurance company most likely respond in this situation?
The insurer will reimburse Mary for the entire $500.
,2|Page
The insurer will reimburse Mary for $500, less any
applicable deductible.
The insurer will sue the neighbor for the return of the $500
because the neighbor was not injured.
The insurer will deny liability coverage because Mary's
action was intentional. - Answers-The insurer will deny
liability coverage because Mary's action was intentional
In regards to Workers Compensation insurance, which of
the following experience modification factors would
indicate that an insured has sustained a relatively high
frequency and severity of losses in the recent past?
1.25
1.00
.95
.75 - Answers-1.25
The insured is covered by a Commercial General Liability
policy with a $600,000 general aggregate limit, a $600,000
products-completed operations aggregate limit, and a
$300,000 per occurrence limit. The insured has one claim
for $350,000 and another for $100,000 arising out of the
,3|Page
premises and operations hazards during the policy period.
How much of the general aggregate limit will remain for
future claims within the same policy period?
$200,000.
$50,000.
$600,000.
$400,000. - Answers-$200,000
The insured and her 18-year-old son, who lives in the
insured's household, are crossing the street when both of
them are struck by a drunk driver. The Part B - Medical
Payments coverage of the insured's personal auto policy
will:
Provide coverage for the son
Provide coverage for the insured and the son
Not provide coverage because they were a pedistrian -
Answers-Provide coverage for both the insured and her
son
A business covered by a standard Businessowners policy
is shut down due to the acts of a civil authority. Which of
, 4|Page
the following additional coverages would NOT be subject
to a waiting period before coverage would apply?
Business Income.
Extra Expense.
Extended Business Income.
Business Income from Dependent Properties. - Answers-
Extra Expense
The Mobile Home endorsement may be attached to which
of the following Homeowners forms?
The HO-2 or HO-3 only.
The HO-6 only.
The HO-2 or HO-5 only.
The HO-3 only. - Answers-The HO2 & HO3
After property or casualty coverage has been in effect
more than 60 days in Kentucky, a notice of cancellation
may not be issued unless it is based on which of the
following reasons?
