ADJUSTER PRO INDIANA ADJUSTER'S
LICENSE ACTUAL EXAM SCRIPT 2026
QUESTIONS AND SOLUTIONS GRADED A+
◉James and Eric want to play a prank on Bob for Halloween. They
dress up like headless horsemen and throw ignited Jack O'Lanterns
at his house. Unfortunately, one of the inflamed pumpkins catches
the porch on fire, causing $3,500 in damages. Bob doesn't find this
tomfoolery very entertaining and sues both James and Eric for the
cost of the repairs. In court, James and Eric would be:
A. Intentional tort
B. A tortfeasor
C. A joint tortfeasor
D. The plaintiffs. Answer: C. A joint tortfeasor
◉Nick is watching a high-stakes football game at his local sports bar.
After the referees make a disputable call, a fight breaks out amid the
fans at the bar. Nick eagerly joins the fray and smashed a beer stein
over the head of a rival fan, who suffers severe cuts and a concussion
as a result. Nick's action might be described as:
,A. A tortfeasor
B. An assumption of risk
C. A negligent tort
D. An intentional tort. Answer: D. An intentional tort
◉Jim is out turkey hunting on a private ranch when he hears some
movement in the brush. Assuming it's a turkey, Jim raises his
shotgun and fires. Unfortunately for Jim, he has not taken a turkey,
but instead severely injured one of the landowner's calves. The
landowner decides to sue Jim for the cost of the calf. In the civil
lawsuit that follows, the landowner would be the:
A. Joint tortfeasor
B. Tortfeasor
C. Defendant
D. Plaintiff. Answer: D. Plaintiff
◉Sam was tired of the neighbor's trees along the fence line poking
through the fence and dropping leaves in his yard, so he reaches
across the fence with his pole saw and cut down the neighbor's tree.
Sam's neighbor was upset and sued him for the damages. Sam's
actions could be classified as:
A. A negligent tort
,B. A tortfeasor
C. An intentional tort
D. A defendant. Answer: C. An intentional tort
◉Once a claimant files a complaint to the court, the claimant will
become the:
A. Defendant
B. Plaintiff
C. Negligent party
D. Answering party. Answer: B. Plaintiff
◉Jim is out turkey hunting on a private ranch when he hears some
movement in the brush. Assuming it's a turkey, Jim raises his
shotgun and fires. Unfortunately for Jim, he has not taken a turkey,
but instead severely injured one of the landowner's calves. The
landowner decides to sue Jim for the cost of the calf. In the civil
lawsuit that follows, Jim would be the:
A. Victim
B. Plaintiff
C. Tortfeasor
D. Joint tortfeasor. Answer: C. Tortfeasor
, ◉A _____ is a law set forth by a governing body such as a state or city.
A. Liability law
B. Common law
C. Complaint law
D. Statutory law. Answer: D. Statutory law
◉A reservation of rights letter must include all of the following,
EXCEPT:
A. A reminder that there will be a default judgement if the
policyholder does not respond
B. The insurer's name, the policy number, and the event or loss that
is being discussed
C. An explanation that the policyholder may not receive
compensation or may have to defend himself in court
D. An explanation of potential consequences and that the
policyholder might have to reimburse the insurer. Answer: A. A
reminder that there will be a default judgement if the policyholder
does not respond
◉When would a default judgment occur?
LICENSE ACTUAL EXAM SCRIPT 2026
QUESTIONS AND SOLUTIONS GRADED A+
◉James and Eric want to play a prank on Bob for Halloween. They
dress up like headless horsemen and throw ignited Jack O'Lanterns
at his house. Unfortunately, one of the inflamed pumpkins catches
the porch on fire, causing $3,500 in damages. Bob doesn't find this
tomfoolery very entertaining and sues both James and Eric for the
cost of the repairs. In court, James and Eric would be:
A. Intentional tort
B. A tortfeasor
C. A joint tortfeasor
D. The plaintiffs. Answer: C. A joint tortfeasor
◉Nick is watching a high-stakes football game at his local sports bar.
After the referees make a disputable call, a fight breaks out amid the
fans at the bar. Nick eagerly joins the fray and smashed a beer stein
over the head of a rival fan, who suffers severe cuts and a concussion
as a result. Nick's action might be described as:
,A. A tortfeasor
B. An assumption of risk
C. A negligent tort
D. An intentional tort. Answer: D. An intentional tort
◉Jim is out turkey hunting on a private ranch when he hears some
movement in the brush. Assuming it's a turkey, Jim raises his
shotgun and fires. Unfortunately for Jim, he has not taken a turkey,
but instead severely injured one of the landowner's calves. The
landowner decides to sue Jim for the cost of the calf. In the civil
lawsuit that follows, the landowner would be the:
A. Joint tortfeasor
B. Tortfeasor
C. Defendant
D. Plaintiff. Answer: D. Plaintiff
◉Sam was tired of the neighbor's trees along the fence line poking
through the fence and dropping leaves in his yard, so he reaches
across the fence with his pole saw and cut down the neighbor's tree.
Sam's neighbor was upset and sued him for the damages. Sam's
actions could be classified as:
A. A negligent tort
,B. A tortfeasor
C. An intentional tort
D. A defendant. Answer: C. An intentional tort
◉Once a claimant files a complaint to the court, the claimant will
become the:
A. Defendant
B. Plaintiff
C. Negligent party
D. Answering party. Answer: B. Plaintiff
◉Jim is out turkey hunting on a private ranch when he hears some
movement in the brush. Assuming it's a turkey, Jim raises his
shotgun and fires. Unfortunately for Jim, he has not taken a turkey,
but instead severely injured one of the landowner's calves. The
landowner decides to sue Jim for the cost of the calf. In the civil
lawsuit that follows, Jim would be the:
A. Victim
B. Plaintiff
C. Tortfeasor
D. Joint tortfeasor. Answer: C. Tortfeasor
, ◉A _____ is a law set forth by a governing body such as a state or city.
A. Liability law
B. Common law
C. Complaint law
D. Statutory law. Answer: D. Statutory law
◉A reservation of rights letter must include all of the following,
EXCEPT:
A. A reminder that there will be a default judgement if the
policyholder does not respond
B. The insurer's name, the policy number, and the event or loss that
is being discussed
C. An explanation that the policyholder may not receive
compensation or may have to defend himself in court
D. An explanation of potential consequences and that the
policyholder might have to reimburse the insurer. Answer: A. A
reminder that there will be a default judgement if the policyholder
does not respond
◉When would a default judgment occur?
