1|Page
Adjuster Pro Exam Prep 2026/2027 ||Verified Exam!!||
Most Recent Exam Actual Complete Real Exam
Questions And Correct Answers (Verified Answers)
Already Graded A+ || Newest Exam!!!
Nichole's car was damaged while it was being serviced at
Don's Auto Shop. Nichole's auto insurance policy covers
physical damage to her vehicle, but it will not cover the
damage that occurred while the vehicle was under the
control of Don's Auto Shop. Which provision in her policy
states this?
A. Control of Property
B. No Benefit to Bailee
C. Assignment
D. Severability of Interests - Answer-B. No Benefit to
Bailee
,2|Page
Which of the following would NOT fall under the definition
of "Residence Premises" in Shannon's homeowners
policy?
A. The beach house that Shannon and her family rent for a
weekend getaway each month
B. Shannon's detached 4-car garage
C. The two-bedroom house that Shannon owns in town,
which she rents out to four college students
D. The vacant lot that Shannon owns, located right next to
her own house - Answer-C. The two-bedroom house that
Shannon owns in town, which she rents out to four college
students
With a ____ deductible, the policyholder only pays for
damages that are less than his deductible. If the cost of
damages equals or exceeds his deductible, the insurer
pays the full amount and the policyholder pays nothing. -
Answer-franchise
,3|Page
Which of the following does NOT apply to Tort Law?
A. The state charges the defendant
B. Only a simple majority is required to reward the
claimant for damages
C. Tort law applies only to civil trials
D. The defendant is called the tortfeasor - Answer-A. The
state charges the defendant
Quincy is in court attempting to convince the jury through
a preponderance of evidence that his insurer is
deliberately withholding his rightful indemnification for his
property claim. In which type of legal proceeding are
Quincy and his insurer currently involved?
A. Criminal trial
B. Civil trial
, 4|Page
C. Contributory negligence hearing
D. Comparative negligence hearing - Answer-B. Civil trial
Common law is based upon - Answer-court decisions and
customs.
cause of loss or damage - Answer-peril
Jim owns a home valued at $187,500, but he only has a
$100,000 homeowner's policy and is underinsured. During
a storm, lightning strikes Jim's home causing $45,000 in
damages. The insurer decides to invoke a coinsurance
penalty. How much will Jim be required to pay for the
penalty? - Answer-The coinsurance requirement of 80%
means that Jim should have maintained a minimum policy
of $150,000 in coverage. Instead, Jim maintained a
$100,000 policy, under-insuring himself by a third. When
the insurer invokes the coinsurance penalty, Jim is then
responsible for a third of the damages, which in this case
totaled $45,000. So, Jim must pay $15,000.
In the context of insurance adjusting, who is the principal?
- Answer-The source of the adjuster's authority
Adjuster Pro Exam Prep 2026/2027 ||Verified Exam!!||
Most Recent Exam Actual Complete Real Exam
Questions And Correct Answers (Verified Answers)
Already Graded A+ || Newest Exam!!!
Nichole's car was damaged while it was being serviced at
Don's Auto Shop. Nichole's auto insurance policy covers
physical damage to her vehicle, but it will not cover the
damage that occurred while the vehicle was under the
control of Don's Auto Shop. Which provision in her policy
states this?
A. Control of Property
B. No Benefit to Bailee
C. Assignment
D. Severability of Interests - Answer-B. No Benefit to
Bailee
,2|Page
Which of the following would NOT fall under the definition
of "Residence Premises" in Shannon's homeowners
policy?
A. The beach house that Shannon and her family rent for a
weekend getaway each month
B. Shannon's detached 4-car garage
C. The two-bedroom house that Shannon owns in town,
which she rents out to four college students
D. The vacant lot that Shannon owns, located right next to
her own house - Answer-C. The two-bedroom house that
Shannon owns in town, which she rents out to four college
students
With a ____ deductible, the policyholder only pays for
damages that are less than his deductible. If the cost of
damages equals or exceeds his deductible, the insurer
pays the full amount and the policyholder pays nothing. -
Answer-franchise
,3|Page
Which of the following does NOT apply to Tort Law?
A. The state charges the defendant
B. Only a simple majority is required to reward the
claimant for damages
C. Tort law applies only to civil trials
D. The defendant is called the tortfeasor - Answer-A. The
state charges the defendant
Quincy is in court attempting to convince the jury through
a preponderance of evidence that his insurer is
deliberately withholding his rightful indemnification for his
property claim. In which type of legal proceeding are
Quincy and his insurer currently involved?
A. Criminal trial
B. Civil trial
, 4|Page
C. Contributory negligence hearing
D. Comparative negligence hearing - Answer-B. Civil trial
Common law is based upon - Answer-court decisions and
customs.
cause of loss or damage - Answer-peril
Jim owns a home valued at $187,500, but he only has a
$100,000 homeowner's policy and is underinsured. During
a storm, lightning strikes Jim's home causing $45,000 in
damages. The insurer decides to invoke a coinsurance
penalty. How much will Jim be required to pay for the
penalty? - Answer-The coinsurance requirement of 80%
means that Jim should have maintained a minimum policy
of $150,000 in coverage. Instead, Jim maintained a
$100,000 policy, under-insuring himself by a third. When
the insurer invokes the coinsurance penalty, Jim is then
responsible for a third of the damages, which in this case
totaled $45,000. So, Jim must pay $15,000.
In the context of insurance adjusting, who is the principal?
- Answer-The source of the adjuster's authority
