Florida 6-20 All Lines Adjuster Test
1. A public adjuster represents the interest of: B. The insured
A. The insurer
B. The Insured
C. The employer
D. The interest of the general public
2. Which of the following is the type of report that indi- A. Field Report
cates the initial results of a claim investigation?
A. Field Report
B. Interim Report
C. Full Report
D. None of the above
3. States have adopted statutes regarding claims adjust- C. Deny the claim until a
ing. To avoid unfair treatment to a fair and prompt investiga-
claimant the adjuster must not: tion has commenced.
A. Promptly investigate the claim.
B. Follow the laws regarding the number of days in
which to commence an investigation.
C. Deny the claim until a fair and prompt investigation
has commenced.
D. Pay the claim within a reasonable number of days
after the final proof of loss has been
received.
4. Which of the following is not a claim settlement op- A. Forcing the insured to
tion? sue by offering less than
A. Forcing the insured to sue by offering less than the the claim is worth.
claim is worth.
B. Repairing property.
C. Replacing with like kind and quality.
D. Replace with new
, Florida 6-20 All Lines Adjuster Test
5. The giving up of a known right is called: D. Waiver
A. Estoppel
B. Violation of policy conditions
C. Rebating
D. Waiver
6. An innocent party relies on certain statements made B. Estoppel
by the adjuster and is damaged as a
result. The guilty party may be legally prohibited from
asserting that the fact does not exist
because of:
A. Waiver
B. Estoppel
C. Duties of the adjuster
D. Law of contract
7. Should an insured fail to report a claim in a timely B. Send the insured a
fashion the adjuster will usually: reservation of rights letter.
A. Deny the claim.
B. Send the insured a reservation of rights letter.
C. Cease investigating.
D. Seek the advice of the company's attorney.
8. A company adjuster primarily represents the interests C. The insurer.
of:
A. The insured.
B. The claimant.
C. The insurer.
D. The public.
9. An adjuster's license will usually be revoked for which D. Having been convicted
of the following reasons: of a felony.
, Florida 6-20 All Lines Adjuster Test
A. Denying claims that are not covered.
B. Failing to report a change of address.
C. Having been convicted of a misdemeanor.
D. Having been convicted of a felony.
10. The insured has been involved in an automobile acci- D. Pay to repair the dam-
dent and has sustained bodily injuries age to the vehicle and ob-
and damage to the insured vehicle. The adjuster will tain a partial release and
usually: settle the
A. Withhold any payment until all the bills have been medical payments later
reviewed for payment. and then seek a final re-
B. Pay to repair the vehicle and pay the medical bills lease.
later.
C. Pay for the repair of the vehicle and require a re-
lease for all claims.
D. Pay to repair the damage to the vehicle and obtain
a partial release and settle the
medical payments later and then seek a final release.
11. Mr. Jones has damaged his vehicle by striking a tree. D. All of the above.
He can:
A. Take the car to a repair garage recommended by
the insurer.
B. Take the car to a garage of his/her choice.
C. Accept the payment based on the adjuster's esti-
mate.
D. All of the above.
12. In case of a total loss to a vehicle the adjuster will pay D. All of the above de-
the insured/claimant which of the pending on the circum-
following? stances.
A. The cost to replace the vehicle with like kind and
, Florida 6-20 All Lines Adjuster Test
quality if a current year
model.
B. Use the most recent publication of an "Official Used
Car Guide".
C. If not listed in the "guide", obtain quotations from
automobile dealers.
D. All of the above depending on the circumstances.
13. Which of the following is NOT a claim settlement op- B. Excessive amounts
tion for liability claims? claimed
A. Lost wages
B. Excessive amounts claimed
C. Loss of use
D. Disfigurement
14. Which of the following results in immediate payment B. Full Release Settlement
when the claimant signs a release
relinquishing his or her right to sue?
A. Scheduled Payment Release
B. Full Release Settlement
C. Advanced Payment
D. Structured Settlement
15. Which of the following relieves the financial burden on C. Advanced Payment
the claimant by making certain
payments to the claimant even before the claim can
be negotiated?
A. No Release or Walk-Away
B. Rehabilitation
C. Advanced Payment
D. Open-Ended Release
16. D. Both I and II.
1. A public adjuster represents the interest of: B. The insured
A. The insurer
B. The Insured
C. The employer
D. The interest of the general public
2. Which of the following is the type of report that indi- A. Field Report
cates the initial results of a claim investigation?
A. Field Report
B. Interim Report
C. Full Report
D. None of the above
3. States have adopted statutes regarding claims adjust- C. Deny the claim until a
ing. To avoid unfair treatment to a fair and prompt investiga-
claimant the adjuster must not: tion has commenced.
A. Promptly investigate the claim.
B. Follow the laws regarding the number of days in
which to commence an investigation.
C. Deny the claim until a fair and prompt investigation
has commenced.
D. Pay the claim within a reasonable number of days
after the final proof of loss has been
received.
4. Which of the following is not a claim settlement op- A. Forcing the insured to
tion? sue by offering less than
A. Forcing the insured to sue by offering less than the the claim is worth.
claim is worth.
B. Repairing property.
C. Replacing with like kind and quality.
D. Replace with new
, Florida 6-20 All Lines Adjuster Test
5. The giving up of a known right is called: D. Waiver
A. Estoppel
B. Violation of policy conditions
C. Rebating
D. Waiver
6. An innocent party relies on certain statements made B. Estoppel
by the adjuster and is damaged as a
result. The guilty party may be legally prohibited from
asserting that the fact does not exist
because of:
A. Waiver
B. Estoppel
C. Duties of the adjuster
D. Law of contract
7. Should an insured fail to report a claim in a timely B. Send the insured a
fashion the adjuster will usually: reservation of rights letter.
A. Deny the claim.
B. Send the insured a reservation of rights letter.
C. Cease investigating.
D. Seek the advice of the company's attorney.
8. A company adjuster primarily represents the interests C. The insurer.
of:
A. The insured.
B. The claimant.
C. The insurer.
D. The public.
9. An adjuster's license will usually be revoked for which D. Having been convicted
of the following reasons: of a felony.
, Florida 6-20 All Lines Adjuster Test
A. Denying claims that are not covered.
B. Failing to report a change of address.
C. Having been convicted of a misdemeanor.
D. Having been convicted of a felony.
10. The insured has been involved in an automobile acci- D. Pay to repair the dam-
dent and has sustained bodily injuries age to the vehicle and ob-
and damage to the insured vehicle. The adjuster will tain a partial release and
usually: settle the
A. Withhold any payment until all the bills have been medical payments later
reviewed for payment. and then seek a final re-
B. Pay to repair the vehicle and pay the medical bills lease.
later.
C. Pay for the repair of the vehicle and require a re-
lease for all claims.
D. Pay to repair the damage to the vehicle and obtain
a partial release and settle the
medical payments later and then seek a final release.
11. Mr. Jones has damaged his vehicle by striking a tree. D. All of the above.
He can:
A. Take the car to a repair garage recommended by
the insurer.
B. Take the car to a garage of his/her choice.
C. Accept the payment based on the adjuster's esti-
mate.
D. All of the above.
12. In case of a total loss to a vehicle the adjuster will pay D. All of the above de-
the insured/claimant which of the pending on the circum-
following? stances.
A. The cost to replace the vehicle with like kind and
, Florida 6-20 All Lines Adjuster Test
quality if a current year
model.
B. Use the most recent publication of an "Official Used
Car Guide".
C. If not listed in the "guide", obtain quotations from
automobile dealers.
D. All of the above depending on the circumstances.
13. Which of the following is NOT a claim settlement op- B. Excessive amounts
tion for liability claims? claimed
A. Lost wages
B. Excessive amounts claimed
C. Loss of use
D. Disfigurement
14. Which of the following results in immediate payment B. Full Release Settlement
when the claimant signs a release
relinquishing his or her right to sue?
A. Scheduled Payment Release
B. Full Release Settlement
C. Advanced Payment
D. Structured Settlement
15. Which of the following relieves the financial burden on C. Advanced Payment
the claimant by making certain
payments to the claimant even before the claim can
be negotiated?
A. No Release or Walk-Away
B. Rehabilitation
C. Advanced Payment
D. Open-Ended Release
16. D. Both I and II.
