ARKANSAS ADJUSTER LATEST 2026 EVALUATION EXAM
QUESTIONS AND ANSWERS MARKED A+
✔✔11. Rule 69B-220.201 prohibits adjusters from:
a. Filling in the blanks on a release
b. Handling claims with integrity
c. Giving legal advice
d. Giving a witness a copy of their statement - ✔✔C. Giving legal advised.
✔✔12. A defense to a claim made by a person who knowingly competes in an extreme
sport and is injured would be:
a. Assumption of Risk
b. Negligence
c. Strict Liability
d. Bad Faith - ✔✔A. Assumption of Risk
✔✔13. In Florida property claims must be paid within __ days of notice of claims.
a. 120
b. 90
c. 60
d. 14 - ✔✔B. 90 days
✔✔14. 'Liability' refers to:
a. Negligence
b. The merits of the claim
c. Risk
d. Burden of Proof - ✔✔B. Merit of the Claim - investigates whether the insured was
guilty of negligence.
✔✔15. Self-interest or self-dealing is a violation of an adjuster's:
a. Fiduciary duty
b. Job description
c. Claim handling goals
d. Claim handling activities - ✔✔A. Fiduciary duty
✔✔16. A single claimant was injured in an accident with a FL State Employee. What is
true?
a. No lawsuit is permitted against the state
b. The maximum recovery is $100,000
c. The maximum recovery is $200,000
d. He must obtain a Waiver of Sovereign Immunity - ✔✔C. The maximum recovery is
$200,000
✔✔17. An insured has a split limit auto policy with limits of 50/100/50. What is true?
,a. $50,000 is available to pay damages for the insured's car
b. $50,000 is the most payable for the insured's injuries
c. $50,000 is always available to all claimants for bodily injury, no matter how many
d. The insured can never recover any money from these limits - ✔✔D. The insured can
never recover any money from these limits.
You cannot sue yourself.
✔✔18. Replacement cost less depreciation is the definition of:
a. The Valued Policy Law
b. A Valued Policy
c. Actual Cash Value
d. The Principle of Indemnity - ✔✔C. Actual Cash Value
✔✔19. The FL Unfair Insurance Trade Practices Act penalizes all of the following,
EXCEPT:
a. Failing to Act Promptly
b. Denying Claims without reasonable investigation
c. Failing to explain claim denials in writing
d. Keeping accurate records of complaints - ✔✔D. Keeping accurate records of
complaints.
✔✔20. An insured has an auto policy with a single limit of $30,000. What is true?
a. $30,000 is available for third party property damage and bodily injury claims
b. $30,000 is available for bodily injury claims only
c. $30,000 is available for property damage claims only
d. This is both a liability and property damage policy. - ✔✔A. $30,000 is single limit is
maximum liability and insurance company will pay in regard to any accident or
occurrence.
✔✔1. A insured was hospitalized for injuries suffered in an auto crash caused by a
drunk driver. The insured carried a basic auto liability policy of 10/20/10. What
is the maximum that the insured's own liability will pay for his own injuries?
a. $10,000
b. $20,000
c. $30,000
d. -0- - ✔✔D. $0
The insured is not at fault.
✔✔2. An insured had a 50/100/50 auto policy that was the subject of lawsuit. Judgment
in the amount of $50,000 with interest was entered against the insured. What is true?
a. The insurer will pay $50,000 and the cost of defense only
b. Interest is included in policy limits
c. Any interest above policy limits is the responsibility of the insured
, d. The insurer must pay $50,000 plus interest - ✔✔D. The insurer must pay $50,000
plus interest. Cost of defense is supplementary payments exceed policy limits
✔✔3. An insured had a 10/20/10 auto policy. The insured was at-fault for two accidents
on two consecutive days: One on Friday morning, and another on Saturday afternoon.
The property damage in the Friday accident was $5,000; the property damage on
Saturday was $15,000. What will the policy pay for each property damage claim?
a. Friday claim-$5000/Saturday claim-$15,000
b. Friday claim-$4000/Saturday claim-$12,000
c. Friday claim-$4000/Saturday claim-$10000
d. Friday claim-$5000/Saturday claim-$10,000 - ✔✔D. Friday claim-$5,000/Saturday
claim-$10,000
Policy will only pay a limit of $10,000 per day of accident.
✔✔4. The No Fault Law requires:
a. PIP
b. 10/20/10 & PIP
c. Medical Payment Coverage
d. 10/20/10 - ✔✔A. PIP
✔✔5. Form SR-22 certifies that:
a. Insurance coverage is in effect
b. Liability coverage is in effect
c. Liability and PIP coverage are in effect
d. A Personal Auto Policy is in effect - ✔✔B. Liability coverge is in effect.
Persons who did not comply with the law at the time of an accident, insurance must be
purchased and Form SR-22
✔✔6. Medical Payments pays for expenses incurred for services for all of the following
arising from an auto accident, except:
a. Lost wages from an auto accident
b. Surgical bills
c. Funeral expenses
d. Emergency room charges - ✔✔A. Lost wages from an auto accident. lost wages only
recover based on gross income.
✔✔7. An insured has stacked 50/100 UM coverage for 3 cars. The maximum the policy
will pay for the insured's injuries in one accident caused by an uninsured motorist is:
a. 50
b. 100
c. 150
d. 300 - ✔✔C. 150
QUESTIONS AND ANSWERS MARKED A+
✔✔11. Rule 69B-220.201 prohibits adjusters from:
a. Filling in the blanks on a release
b. Handling claims with integrity
c. Giving legal advice
d. Giving a witness a copy of their statement - ✔✔C. Giving legal advised.
✔✔12. A defense to a claim made by a person who knowingly competes in an extreme
sport and is injured would be:
a. Assumption of Risk
b. Negligence
c. Strict Liability
d. Bad Faith - ✔✔A. Assumption of Risk
✔✔13. In Florida property claims must be paid within __ days of notice of claims.
a. 120
b. 90
c. 60
d. 14 - ✔✔B. 90 days
✔✔14. 'Liability' refers to:
a. Negligence
b. The merits of the claim
c. Risk
d. Burden of Proof - ✔✔B. Merit of the Claim - investigates whether the insured was
guilty of negligence.
✔✔15. Self-interest or self-dealing is a violation of an adjuster's:
a. Fiduciary duty
b. Job description
c. Claim handling goals
d. Claim handling activities - ✔✔A. Fiduciary duty
✔✔16. A single claimant was injured in an accident with a FL State Employee. What is
true?
a. No lawsuit is permitted against the state
b. The maximum recovery is $100,000
c. The maximum recovery is $200,000
d. He must obtain a Waiver of Sovereign Immunity - ✔✔C. The maximum recovery is
$200,000
✔✔17. An insured has a split limit auto policy with limits of 50/100/50. What is true?
,a. $50,000 is available to pay damages for the insured's car
b. $50,000 is the most payable for the insured's injuries
c. $50,000 is always available to all claimants for bodily injury, no matter how many
d. The insured can never recover any money from these limits - ✔✔D. The insured can
never recover any money from these limits.
You cannot sue yourself.
✔✔18. Replacement cost less depreciation is the definition of:
a. The Valued Policy Law
b. A Valued Policy
c. Actual Cash Value
d. The Principle of Indemnity - ✔✔C. Actual Cash Value
✔✔19. The FL Unfair Insurance Trade Practices Act penalizes all of the following,
EXCEPT:
a. Failing to Act Promptly
b. Denying Claims without reasonable investigation
c. Failing to explain claim denials in writing
d. Keeping accurate records of complaints - ✔✔D. Keeping accurate records of
complaints.
✔✔20. An insured has an auto policy with a single limit of $30,000. What is true?
a. $30,000 is available for third party property damage and bodily injury claims
b. $30,000 is available for bodily injury claims only
c. $30,000 is available for property damage claims only
d. This is both a liability and property damage policy. - ✔✔A. $30,000 is single limit is
maximum liability and insurance company will pay in regard to any accident or
occurrence.
✔✔1. A insured was hospitalized for injuries suffered in an auto crash caused by a
drunk driver. The insured carried a basic auto liability policy of 10/20/10. What
is the maximum that the insured's own liability will pay for his own injuries?
a. $10,000
b. $20,000
c. $30,000
d. -0- - ✔✔D. $0
The insured is not at fault.
✔✔2. An insured had a 50/100/50 auto policy that was the subject of lawsuit. Judgment
in the amount of $50,000 with interest was entered against the insured. What is true?
a. The insurer will pay $50,000 and the cost of defense only
b. Interest is included in policy limits
c. Any interest above policy limits is the responsibility of the insured
, d. The insurer must pay $50,000 plus interest - ✔✔D. The insurer must pay $50,000
plus interest. Cost of defense is supplementary payments exceed policy limits
✔✔3. An insured had a 10/20/10 auto policy. The insured was at-fault for two accidents
on two consecutive days: One on Friday morning, and another on Saturday afternoon.
The property damage in the Friday accident was $5,000; the property damage on
Saturday was $15,000. What will the policy pay for each property damage claim?
a. Friday claim-$5000/Saturday claim-$15,000
b. Friday claim-$4000/Saturday claim-$12,000
c. Friday claim-$4000/Saturday claim-$10000
d. Friday claim-$5000/Saturday claim-$10,000 - ✔✔D. Friday claim-$5,000/Saturday
claim-$10,000
Policy will only pay a limit of $10,000 per day of accident.
✔✔4. The No Fault Law requires:
a. PIP
b. 10/20/10 & PIP
c. Medical Payment Coverage
d. 10/20/10 - ✔✔A. PIP
✔✔5. Form SR-22 certifies that:
a. Insurance coverage is in effect
b. Liability coverage is in effect
c. Liability and PIP coverage are in effect
d. A Personal Auto Policy is in effect - ✔✔B. Liability coverge is in effect.
Persons who did not comply with the law at the time of an accident, insurance must be
purchased and Form SR-22
✔✔6. Medical Payments pays for expenses incurred for services for all of the following
arising from an auto accident, except:
a. Lost wages from an auto accident
b. Surgical bills
c. Funeral expenses
d. Emergency room charges - ✔✔A. Lost wages from an auto accident. lost wages only
recover based on gross income.
✔✔7. An insured has stacked 50/100 UM coverage for 3 cars. The maximum the policy
will pay for the insured's injuries in one accident caused by an uninsured motorist is:
a. 50
b. 100
c. 150
d. 300 - ✔✔C. 150
