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WORKERS COMP ADJUSTER FULL
SOLUTION SCRIPT 2026 QUESTIONS WITH
SOLUTIONS GRADED A+
⩥ What is a situation involving a person other than an insured? Answer:
Third Party Loss
⩥ The part of the insurance policy that details the rights and duties of the
insured and the insurance company in the policy? Answer: Conditions
⩥ An event that results in an insured loss and damages? Answer:
Occurrence
⩥ What is the value of your property, based on the current cost to
replace it minus depreciation? Answer: Actual Cash Value
⩥ Mary has a Homeowner's policy. Her Coverage A limit of liability is
$250,000 and her Coverage B limit of liability is $125,000. Her policy
has a 2% deductible. What is her deductible? Answer: $5,000
⩥ What is the type of negotiation that is also sometimes called positional
or hard-bargaining negotiation? Answer: Distributive
,⩥ What is the responsibility to another for one's negligence? Answer:
Liability
⩥ What is the failure to use that degree of care which an ordinary person
of reasonable prudence would use under similar circumstances? Answer:
Negligence
⩥ What is the intentional misrepresentation of a material fact that may
void a contract? Answer: Fraud
⩥ What is the process when an insurer and an insured have a dispute
regarding the amount of the damage? Answer: Appraisal
⩥ This type of Auto Coverage pays for your damages if you were
involved in a hit and run: Answer: Uninsured Motorist
⩥ What is the cost associated with replacing property at current market
prices? Answer: Replacement Cost
⩥ What is the period a policy is in force, from the beginning or effective
date to the expiration date? Answer: Policy Period
, ⩥ What is making an oral or written statement that is false or
maliciously critical of, or derogatory to, the financial condition of any
insurer that is calculated to injure any person engaged in the insurance
business? Answer: Defamation
⩥ If the insurer needs additional time to evaluate and investigate a
claim, they can request how many additional days? Answer: 45 Calendar
Days
⩥ When deciding to issue or to decline a standard fire, homeowners or
farm policy, an insurer may not consider a ____________________ as a
basis for declination? Answer: Customer Inquiry
⩥ What time requirements does the policyholder have to complete the
requirements that the insurer has requested? Answer: No Time
Requirements
⩥ What must an insurer provide for the declination, cancellation, or
nonrenewal of an insurance policy? Answer: Written Statement
⩥ Once the insurer receives all of the information that they have
requested from the policyholder, the insurer must review the claim, and
accept or reject it within how many days? Answer: 15 Business Days
WORKERS COMP ADJUSTER FULL
SOLUTION SCRIPT 2026 QUESTIONS WITH
SOLUTIONS GRADED A+
⩥ What is a situation involving a person other than an insured? Answer:
Third Party Loss
⩥ The part of the insurance policy that details the rights and duties of the
insured and the insurance company in the policy? Answer: Conditions
⩥ An event that results in an insured loss and damages? Answer:
Occurrence
⩥ What is the value of your property, based on the current cost to
replace it minus depreciation? Answer: Actual Cash Value
⩥ Mary has a Homeowner's policy. Her Coverage A limit of liability is
$250,000 and her Coverage B limit of liability is $125,000. Her policy
has a 2% deductible. What is her deductible? Answer: $5,000
⩥ What is the type of negotiation that is also sometimes called positional
or hard-bargaining negotiation? Answer: Distributive
,⩥ What is the responsibility to another for one's negligence? Answer:
Liability
⩥ What is the failure to use that degree of care which an ordinary person
of reasonable prudence would use under similar circumstances? Answer:
Negligence
⩥ What is the intentional misrepresentation of a material fact that may
void a contract? Answer: Fraud
⩥ What is the process when an insurer and an insured have a dispute
regarding the amount of the damage? Answer: Appraisal
⩥ This type of Auto Coverage pays for your damages if you were
involved in a hit and run: Answer: Uninsured Motorist
⩥ What is the cost associated with replacing property at current market
prices? Answer: Replacement Cost
⩥ What is the period a policy is in force, from the beginning or effective
date to the expiration date? Answer: Policy Period
, ⩥ What is making an oral or written statement that is false or
maliciously critical of, or derogatory to, the financial condition of any
insurer that is calculated to injure any person engaged in the insurance
business? Answer: Defamation
⩥ If the insurer needs additional time to evaluate and investigate a
claim, they can request how many additional days? Answer: 45 Calendar
Days
⩥ When deciding to issue or to decline a standard fire, homeowners or
farm policy, an insurer may not consider a ____________________ as a
basis for declination? Answer: Customer Inquiry
⩥ What time requirements does the policyholder have to complete the
requirements that the insurer has requested? Answer: No Time
Requirements
⩥ What must an insurer provide for the declination, cancellation, or
nonrenewal of an insurance policy? Answer: Written Statement
⩥ Once the insurer receives all of the information that they have
requested from the policyholder, the insurer must review the claim, and
accept or reject it within how many days? Answer: 15 Business Days
