RHODE ISLAND PESTCIDE EXAM NEWEST ACTUAL
EXAM COMPLETE 100 QUESTIONS AND CORRECT
DETAILED ANSWERS (VERIFIED ANSWERS) |
ALREADY GRADED A+||BRAND NEW!
HOW MANY DAYS DOES THE INSURER HAVE TO SEND OUT FORMS WHEN
NOTIFIED OF AN INCIDENT? - ANSWER 10 DAYS
AT WHAT TIME IS THE POLICY EFFECTIVE? - ANSWER 12:01 AM
WHAT IS THE MAIN DIFFERENCE BETWEEN A NON-WAIVER AGREEMENT AND A
ROR? - ANSWER -NON-WAIVER IS SIGNED BY THE INSURED AND INSURER
-ROR IS A LETTER
IF AN INSURED IS COVERED BY 2 POLICIES ON ONE LOSS AND THE INS.
COMPANIES SETTLE IT, WHAT CLAUSE WOULD THIS BE UNDER? - ANSWER
OTHER INSURANCE CLAUSE
WHEN AN INSURED REQUESTS STATUS UPDATE, HOW MANY DAYS DOES THE
ADJ HAVE TO NOTIFY THEM IN WRITING THAT STILL INVEST.? - ANSWER 10
DAYS
IF AN INSURED HAS A PAP & THEIR VEHICLE IS DAMAGED IN A HURRICANE
WHAT KIND OF CLAIM WOULD BE OPENED? - ANSWER WINDSTORM AND
FLOOD/OTHER THAN COLLISION
HOW MANY DAYS AFTER FIRST INITIATING A CLAIM DO YOU HAVE TO
REQUEST AN EXTENSION TO COMPLETE THE INVESTIGATION? - ANSWER 15
DAYS
IS AN ADJUSTER SUBJECT TO PUBLIC CENSURE AS A FINE? - ANSWER NO
ARE THE CONDITIONS INCLUDED IN THE DECLARATIONS SECTION OF THE
PAP? - ANSWER NO
WOULD FENCES BE CONSIDERED APPURTENANT UNDER THE HOMEOWNERS
POLICY? - ANSWER YES
UNDER PAP, WOULD YOU HAVE COVERAGE FOR ROAD DAMAGE TO TIRES DUE
TO THEFT? - ANSWER YES
, FOR $25 TO $200 WOULD AN INSURER REIMBURSE YOU FOR A TEMP.
SUBSTITUTE? - ANSWER NO
IN RI, IF A VEHICLE IS INSURED BY 2 INSURERS, HOW DO THEY ALLOT
PAYMENTS FOR THE DAMAGES? - ANSWER PROPORTIONATE TO EACH
POLICIE'S LIMITS
WHAT ACT WOULD BE CONSIDERED ILLEGAL UNDER THE UNFAIR CLAIMS
PRACTICE ACT? - ANSWER PAYMENT BEFORE THOROUGH INVESTIGATION
IF DAMAGES ARE CAUSED UNDER LIABILITY COVERAGE, WHO HAS THE
BURDEN OF PROOF FOR THE LOSS? - ANSWER THE CLAIMANT- PERSON
ASSERTING THE CLAIM
AN INSURED HAS THE RIGHT TO SUBROGATE FOR DAMAGES FROM WHOM? -
ANSWER THE RESPONSIBLE PARTY
TRUE OR FALSE
AN UNENDORDSED PAP, RENTAL COVERAGE MAY BE AFFORDED IN THE
EVENT THAT AN INSURED VEHICLE IS STOLEN. - ANSWER TRUE
WHAT IS IT CALLED WHEN AN INSURED RECEIVES ADDITIONAL COVERAGE BY
THE INSURER DURING POLICY PERIOD AT NO COST TO THE INSURED? -
ANSWER LIBERALIZATION
TRUE OR FALSE
AN INSURED'S TEMP. SUBSTITUTE WOULD BE COVERED IN THE EVENT THAT IT
IS A RENTAL FOR VACATION - ANSWER TRUE
IN WHICH SITUATION IS COVERAGE EXCLUDED UNDER SECTION II HO
COVERAGE? - ANSWER A MOTOR VEHICLE DESIGNED FOR RECREACTIONAL
USE OFF PUBLIC ROADS & OCCURRENCE TAKES PLACE ON OR OFF INSURED
LOCATION
PROVIDE AN EXAMPLE OF INTENTIONAL NEGLIGENCE. - ANSWER INSURED
CARELESSLY DAMAGES ANOTHER VEHICLE
WHAT IS THE BEST COVERAGE FOR A 60 FT AUXILLARY SAIL BOAT? - ANSWER
YACHT
PROVIDE AN EXAMPLE OF A PERSONAL INJURY (INTENTIONAL NEGLIGENCE) -
ANSWER DEFAMATION OF THE CLIENT
WHOM DOES LIABILITY UNDER HOME OWNERS COVER? - ANSWER RELATIVE
RESIDENTS
EXAM COMPLETE 100 QUESTIONS AND CORRECT
DETAILED ANSWERS (VERIFIED ANSWERS) |
ALREADY GRADED A+||BRAND NEW!
HOW MANY DAYS DOES THE INSURER HAVE TO SEND OUT FORMS WHEN
NOTIFIED OF AN INCIDENT? - ANSWER 10 DAYS
AT WHAT TIME IS THE POLICY EFFECTIVE? - ANSWER 12:01 AM
WHAT IS THE MAIN DIFFERENCE BETWEEN A NON-WAIVER AGREEMENT AND A
ROR? - ANSWER -NON-WAIVER IS SIGNED BY THE INSURED AND INSURER
-ROR IS A LETTER
IF AN INSURED IS COVERED BY 2 POLICIES ON ONE LOSS AND THE INS.
COMPANIES SETTLE IT, WHAT CLAUSE WOULD THIS BE UNDER? - ANSWER
OTHER INSURANCE CLAUSE
WHEN AN INSURED REQUESTS STATUS UPDATE, HOW MANY DAYS DOES THE
ADJ HAVE TO NOTIFY THEM IN WRITING THAT STILL INVEST.? - ANSWER 10
DAYS
IF AN INSURED HAS A PAP & THEIR VEHICLE IS DAMAGED IN A HURRICANE
WHAT KIND OF CLAIM WOULD BE OPENED? - ANSWER WINDSTORM AND
FLOOD/OTHER THAN COLLISION
HOW MANY DAYS AFTER FIRST INITIATING A CLAIM DO YOU HAVE TO
REQUEST AN EXTENSION TO COMPLETE THE INVESTIGATION? - ANSWER 15
DAYS
IS AN ADJUSTER SUBJECT TO PUBLIC CENSURE AS A FINE? - ANSWER NO
ARE THE CONDITIONS INCLUDED IN THE DECLARATIONS SECTION OF THE
PAP? - ANSWER NO
WOULD FENCES BE CONSIDERED APPURTENANT UNDER THE HOMEOWNERS
POLICY? - ANSWER YES
UNDER PAP, WOULD YOU HAVE COVERAGE FOR ROAD DAMAGE TO TIRES DUE
TO THEFT? - ANSWER YES
, FOR $25 TO $200 WOULD AN INSURER REIMBURSE YOU FOR A TEMP.
SUBSTITUTE? - ANSWER NO
IN RI, IF A VEHICLE IS INSURED BY 2 INSURERS, HOW DO THEY ALLOT
PAYMENTS FOR THE DAMAGES? - ANSWER PROPORTIONATE TO EACH
POLICIE'S LIMITS
WHAT ACT WOULD BE CONSIDERED ILLEGAL UNDER THE UNFAIR CLAIMS
PRACTICE ACT? - ANSWER PAYMENT BEFORE THOROUGH INVESTIGATION
IF DAMAGES ARE CAUSED UNDER LIABILITY COVERAGE, WHO HAS THE
BURDEN OF PROOF FOR THE LOSS? - ANSWER THE CLAIMANT- PERSON
ASSERTING THE CLAIM
AN INSURED HAS THE RIGHT TO SUBROGATE FOR DAMAGES FROM WHOM? -
ANSWER THE RESPONSIBLE PARTY
TRUE OR FALSE
AN UNENDORDSED PAP, RENTAL COVERAGE MAY BE AFFORDED IN THE
EVENT THAT AN INSURED VEHICLE IS STOLEN. - ANSWER TRUE
WHAT IS IT CALLED WHEN AN INSURED RECEIVES ADDITIONAL COVERAGE BY
THE INSURER DURING POLICY PERIOD AT NO COST TO THE INSURED? -
ANSWER LIBERALIZATION
TRUE OR FALSE
AN INSURED'S TEMP. SUBSTITUTE WOULD BE COVERED IN THE EVENT THAT IT
IS A RENTAL FOR VACATION - ANSWER TRUE
IN WHICH SITUATION IS COVERAGE EXCLUDED UNDER SECTION II HO
COVERAGE? - ANSWER A MOTOR VEHICLE DESIGNED FOR RECREACTIONAL
USE OFF PUBLIC ROADS & OCCURRENCE TAKES PLACE ON OR OFF INSURED
LOCATION
PROVIDE AN EXAMPLE OF INTENTIONAL NEGLIGENCE. - ANSWER INSURED
CARELESSLY DAMAGES ANOTHER VEHICLE
WHAT IS THE BEST COVERAGE FOR A 60 FT AUXILLARY SAIL BOAT? - ANSWER
YACHT
PROVIDE AN EXAMPLE OF A PERSONAL INJURY (INTENTIONAL NEGLIGENCE) -
ANSWER DEFAMATION OF THE CLIENT
WHOM DOES LIABILITY UNDER HOME OWNERS COVER? - ANSWER RELATIVE
RESIDENTS
