CALIFORNIA INSURANCE ADJUSTER
EXAM 2026 QUESTIONS AND VERIFIED
ANSWERS (2026/2027 UPDATED) |
GRADED A+ | 100% SUCCESS
A company's promise to "pay for damage caused by or resulting from any covered
cause of loss" would be found in which of the following sections of an insurance
policy?
Insuring Agreement
Declarations
Conditions
Exclusions - Correct Answer -The Correct Answer is: Insuring Agreement.
EXPLANATION:
The perils covered are found in one of the three "cause of loss" forms that are a
part of the insuring agreement.
An insured who wishes to cover a mobile home while it is being transported from
one location to another would:
,Purchase an endorsement on the auto policy transporting the mobile home.
Purchase the "mobile home transportation coverage" endorsement for the
homeowner policy.
Purchase inland marine coverage since the mobile home is in motion on the land.
Purchase motor truck cargo coverage from the company transporting the mobile
home. - Correct Answer -The Correct Answer is: Purchase the "mobile home
transportation coverage" endorsement for the homeowner policy.
EXPLANATION:
The mobile home transportation coverage endorsement will cover damage done
to the mobile home while in transit. Claims will be treated as collision or
comprehensive losses and a deductible will apply. Liability caused by the mobile
home to others would be covered by the auto policy of the vehicle transporting
the mobile home.
Which of the following is generally not considered to be a legal defense against
claims of negligence?
The loss to the plaintiff was caused intentionally by the defendant.
A state law gives specific immunity from liability to the defendant.
An intervening cause was the proximate cause of the plaintiff's injury rather than
the defendant's action (or inaction).
The relevant statute of limitation for filing a lawsuit has expired. - Correct Answer -
The Correct Answer is: The loss to the plaintiff was caused intentionally by the
defendant.
,EXPLANATION:
Intentional acts are excluded by all policies.
An insured whose legally parked car is damaged by a mudslide may collect for
damages under which of the following coverages?
Comprehensive (other than collision) coverage
Property damage liability coverage
Medical payments coverage
Collision coverage - Correct Answer -The Correct Answer is: Comprehensive (other
than collision) coverage.
EXPLANATION:
Comprehensive (Other Than Collision) coverage is "open peril" coverage. Unless
excluded, losses from Other Than Collision are covered.
In which of the following does a claimant relinquish his or her right to sue?
Scheduled Payment Release
Advance Payment
Full Release Settlement
, Structured Settlement - Correct Answer -The Correct Answer is: Full Release
Settlement.
EXPLANATION:
After a claimant signs a Full Release Settlement, he or she waives the right to sue.
The limited coverage for Mexico endorsement to the personal auto policy:
Provides coverage for accidents that occur in Mexico within 25 miles of the United
States border.
Covers Mexican citizens while visiting the United States on a temporary basis.
Eliminates the territory restriction in the PAP for travel within Mexico.
Makes it unnecessry for a United States resident driving in Mexico to purchase
Mexican auto insurance. - Correct Answer -The Correct Answer is: Provides
coverage for accidents that occur in Mexico within 25 miles of the United States
border.
EXPLANATION:
This endorsement provides coverage for accidents that occur in Mexico within 25
miles of the United States border. Coverage is in excess of liability coverage
purchased through a Mexican insurer and applies only if Mexican coverage has
been purchased. It applies only when the insured will be in Mexico for 10 days or
less. It does not apply to any suit brought by a Mexican citizen. It does not cover a
resident or citizen of Mexico driving the car.
EXAM 2026 QUESTIONS AND VERIFIED
ANSWERS (2026/2027 UPDATED) |
GRADED A+ | 100% SUCCESS
A company's promise to "pay for damage caused by or resulting from any covered
cause of loss" would be found in which of the following sections of an insurance
policy?
Insuring Agreement
Declarations
Conditions
Exclusions - Correct Answer -The Correct Answer is: Insuring Agreement.
EXPLANATION:
The perils covered are found in one of the three "cause of loss" forms that are a
part of the insuring agreement.
An insured who wishes to cover a mobile home while it is being transported from
one location to another would:
,Purchase an endorsement on the auto policy transporting the mobile home.
Purchase the "mobile home transportation coverage" endorsement for the
homeowner policy.
Purchase inland marine coverage since the mobile home is in motion on the land.
Purchase motor truck cargo coverage from the company transporting the mobile
home. - Correct Answer -The Correct Answer is: Purchase the "mobile home
transportation coverage" endorsement for the homeowner policy.
EXPLANATION:
The mobile home transportation coverage endorsement will cover damage done
to the mobile home while in transit. Claims will be treated as collision or
comprehensive losses and a deductible will apply. Liability caused by the mobile
home to others would be covered by the auto policy of the vehicle transporting
the mobile home.
Which of the following is generally not considered to be a legal defense against
claims of negligence?
The loss to the plaintiff was caused intentionally by the defendant.
A state law gives specific immunity from liability to the defendant.
An intervening cause was the proximate cause of the plaintiff's injury rather than
the defendant's action (or inaction).
The relevant statute of limitation for filing a lawsuit has expired. - Correct Answer -
The Correct Answer is: The loss to the plaintiff was caused intentionally by the
defendant.
,EXPLANATION:
Intentional acts are excluded by all policies.
An insured whose legally parked car is damaged by a mudslide may collect for
damages under which of the following coverages?
Comprehensive (other than collision) coverage
Property damage liability coverage
Medical payments coverage
Collision coverage - Correct Answer -The Correct Answer is: Comprehensive (other
than collision) coverage.
EXPLANATION:
Comprehensive (Other Than Collision) coverage is "open peril" coverage. Unless
excluded, losses from Other Than Collision are covered.
In which of the following does a claimant relinquish his or her right to sue?
Scheduled Payment Release
Advance Payment
Full Release Settlement
, Structured Settlement - Correct Answer -The Correct Answer is: Full Release
Settlement.
EXPLANATION:
After a claimant signs a Full Release Settlement, he or she waives the right to sue.
The limited coverage for Mexico endorsement to the personal auto policy:
Provides coverage for accidents that occur in Mexico within 25 miles of the United
States border.
Covers Mexican citizens while visiting the United States on a temporary basis.
Eliminates the territory restriction in the PAP for travel within Mexico.
Makes it unnecessry for a United States resident driving in Mexico to purchase
Mexican auto insurance. - Correct Answer -The Correct Answer is: Provides
coverage for accidents that occur in Mexico within 25 miles of the United States
border.
EXPLANATION:
This endorsement provides coverage for accidents that occur in Mexico within 25
miles of the United States border. Coverage is in excess of liability coverage
purchased through a Mexican insurer and applies only if Mexican coverage has
been purchased. It applies only when the insured will be in Mexico for 10 days or
less. It does not apply to any suit brought by a Mexican citizen. It does not cover a
resident or citizen of Mexico driving the car.
