GA ADJUSTER EXAM REVIEW
QUESTIONS AND ANSWERS 100% PASS
2026 EDITION
In GA, _____insurance cannot be written by a reciprocal type insurer. - ANS life
No insurer or licensee doing business in Georgia may pay any commissions or valuable
consideration to any person for services as an agent, subagent, or adjuster unless that person is
duly licensed under the - ANS Code
Mediation is not _____ on the parties involved, but with arbitration the decision is final and
_____. - ANS Binding
Standard and Poor's, A.M. Best and Moody's are examples of: - ANS Independent Rating
Services
What is the application fee for filing to become a self-insurer for workers compensation in
Georgia? - ANS $500
Insurance adjusters have the "power to bind". Which of the following statements best describes
what this means? - ANS The principal is bound to the decisions of the adjuster.
1
@2026 EDITION ALLRIGHTS RESERVED
, The perils most frequently covered by a Difference in Conditions policy are: - ANS Flood and
Earthquake
What is the purpose of the Georgia Insurance Guaranty Association? - ANS Cover claims of
insolvent insurers
Twisting - ANS The act of inducing or attempting to induce a policy owner to drop an existing
life insurance policy and to take another policy that is substantially the same kind by using
misrepresentations or incomplete comparisons of the advantages and disadvantages of the two
policies. Most states have enacted legislation making twisting a crime.
Churning - ANS Churning occurs when an insurance agent replaces a policyholder's insurance
policy for another insurance policy, usually without consulting the policyholder and often with
no changes to the coverage itself. Agents who engage in churning do so in order to secure an
additional commission for the new policy they swap in.
Rebating - ANS Rebating — a portion of the premium or the agent's/broker's commission on
the premium to the insured or other inducements to place business with a specific insurer.
Rebating is illegal in the majority of states. Insurers must use filed rate credits or have
supporting methodology.
Uninsured motorist coverage law in Georgia applies to bodily injury claims sustained by an
insured and caused by an uninsured motorist as defined by the law. UMPD coverage is also
included. - ANS
In Georgia, the Chief Deputy Commissioner must execute a bond in the amount of: -
ANS $15,000
Adjusters must maintain record of each investigation or adjustment undertaken, and a
statement of any fee, commission, or other compensation received or to be received on account
2
@2026 EDITION ALLRIGHTS RESERVED
QUESTIONS AND ANSWERS 100% PASS
2026 EDITION
In GA, _____insurance cannot be written by a reciprocal type insurer. - ANS life
No insurer or licensee doing business in Georgia may pay any commissions or valuable
consideration to any person for services as an agent, subagent, or adjuster unless that person is
duly licensed under the - ANS Code
Mediation is not _____ on the parties involved, but with arbitration the decision is final and
_____. - ANS Binding
Standard and Poor's, A.M. Best and Moody's are examples of: - ANS Independent Rating
Services
What is the application fee for filing to become a self-insurer for workers compensation in
Georgia? - ANS $500
Insurance adjusters have the "power to bind". Which of the following statements best describes
what this means? - ANS The principal is bound to the decisions of the adjuster.
1
@2026 EDITION ALLRIGHTS RESERVED
, The perils most frequently covered by a Difference in Conditions policy are: - ANS Flood and
Earthquake
What is the purpose of the Georgia Insurance Guaranty Association? - ANS Cover claims of
insolvent insurers
Twisting - ANS The act of inducing or attempting to induce a policy owner to drop an existing
life insurance policy and to take another policy that is substantially the same kind by using
misrepresentations or incomplete comparisons of the advantages and disadvantages of the two
policies. Most states have enacted legislation making twisting a crime.
Churning - ANS Churning occurs when an insurance agent replaces a policyholder's insurance
policy for another insurance policy, usually without consulting the policyholder and often with
no changes to the coverage itself. Agents who engage in churning do so in order to secure an
additional commission for the new policy they swap in.
Rebating - ANS Rebating — a portion of the premium or the agent's/broker's commission on
the premium to the insured or other inducements to place business with a specific insurer.
Rebating is illegal in the majority of states. Insurers must use filed rate credits or have
supporting methodology.
Uninsured motorist coverage law in Georgia applies to bodily injury claims sustained by an
insured and caused by an uninsured motorist as defined by the law. UMPD coverage is also
included. - ANS
In Georgia, the Chief Deputy Commissioner must execute a bond in the amount of: -
ANS $15,000
Adjusters must maintain record of each investigation or adjustment undertaken, and a
statement of any fee, commission, or other compensation received or to be received on account
2
@2026 EDITION ALLRIGHTS RESERVED
