Adjuster Pro - Insurance Adjuster Test: insurance
Adjuster Test Study Guide: Questions & Answers:
Updated Solution
The term "jurisdiction" means:
A. The body of law that addresses and provides remedies for any civil wrongdoing
performed on another party
B. The authority of a court or judge to hear a case and to make a judgment
C. The designation of a geographic area over which a particular court has jurisdiction
D. When all the facts of a civil case are heard, and a judge makes the final decision
about the court case - ANSWERB. The authority of a court or judge to hear a case
and to make a judgment
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 - ANSWERC. 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 - ANSWERD. 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 - ANSWERD. 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 - ANSWERC. 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 - ANSWERB. 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 - ANSWERC. 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 - ANSWERD. 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 - ANSWERA. A reminder that there will be a default judgement
if the policyholder does not respond
,When would a default judgment occur?
A. When a defendant submits an answer
B. When a defendant does not answer a complaint
C. When an insurer sends a reservation of rights
D. In cases that involve an intentional tort - ANSWERB. When a defendant does not
answer a complaint
A few weeks ago Christopher's garage was destroyed by an out-of-control motorist.
Fortunately, the motorist had sufficient liability insurance to cover the damages.
However, the insurer insists that Christopher's garage is worth far less than the
appraisals he has received from contractors. Christopher and the insurer have gone
back and forth in negotiations for weeks, making little headway. Christopher decides
it's time to:
A. Issue a reservation of rights
B. Issue a judgment
C. Issue a complaint against the policyholder
D. Issue an answer for the policyholder - ANSWERC. Issue a complaint against the
policyholder
Joan files a lawsuit against Andy because his dog escaped and caused her to fall on
an icy sidewalk. Which of the following statements is FALSE?
A. Andy must submit an answer to avoid a default judgment
B. Andy's insurer is obligated to defend him in court until it proves that there is no
coverage under the policy in question, or until the suit is settled
C. Andy must notify his insurer that he is being taken to court
D. Andy's insurer will send Joan a reservation of rights - ANSWERD. Andy's insurer
will send Joan a reservation of rights
A few weeks ago, Frank ran a red light and caused an accident. He didn't worry too
much about it since he had liability insurance. But yesterday, Frank received a notice
that he is named as the defendant in a lawsuit involving the accident. Frank's next
course of action is to:
A. Call his lawyer
B. Settle the claim
C. Contact the claimant
D. Immediately notify his insurer - ANSWERD. Immediately notify his insurer
Sam's neighbor, Lee is suing him for intentionally cutting down Lee's tree and
damaging his gazebo when the tree fell on it. When Sam notifies his insurer of the
lawsuit, the insurer issues Sam _____, which gives him fair warning that he may need
to prepare his own defense if the insurer finds this case is not covered.
A. An answer
, B. A complaint
C. A notice of rights
D. A reservation of rights - ANSWERD. A reservation of rights
Lee was watching out his kitchen window and saw his neighbor, Sam, reach across
the fence with a pole saw and cut down one of Lee's trees. When the tree fell, it
landed on Lee's gazebo and damaged it. Lee is furious and sues Sam for the
damages. When they go to court, Sam is considered the:
A. Tortfeasor
B. Plaintiff
C. Tort
D. Intentional tort - ANSWERA. Tortfeasor
A non-waiver agreement:
A. Violates the doctrine of estoppel
B. Informs the policyholder that the insurer has denied coverage
C. Is another term for a "reservation of rights" letter
D. Needs to be signed by the policyholder in order to be valid - ANSWERD. Needs to
be signed by the policyholder in order to be valid
Tim is the plaintiff in a case involving an auto accident. To recover monies he feels
are due him, Tim produces documents to prove he had to pay over $55,000 in
medical bills. If the court were to award Tim $55,000, the damages would be
classified as:
A. Special damages
B. Tort damages
C. General damages
D. Imperative damages - ANSWERA. Special damages
Mental anguish would be an example of:
A. Punitive damages
B. Special damages
C. General damages
D. Tangible damages - ANSWERC. General damages
Ricky was watching a baseball game at XYZ Stadium, when the railing on which he
was leaving gave way and he fell two stories. As a result of his fall, Ricky broke his
back and is now paralyzed from the waist down. Ricky sued the owners of XYZ
Stadium and was awarded $150,000 to cover his medical bills and $2.5 million in
_____ because of the permanent nature of his injury.
A. Special damages
B. Tort damages
Adjuster Test Study Guide: Questions & Answers:
Updated Solution
The term "jurisdiction" means:
A. The body of law that addresses and provides remedies for any civil wrongdoing
performed on another party
B. The authority of a court or judge to hear a case and to make a judgment
C. The designation of a geographic area over which a particular court has jurisdiction
D. When all the facts of a civil case are heard, and a judge makes the final decision
about the court case - ANSWERB. The authority of a court or judge to hear a case
and to make a judgment
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 - ANSWERC. 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 - ANSWERD. 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 - ANSWERD. 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 - ANSWERC. 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 - ANSWERB. 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 - ANSWERC. 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 - ANSWERD. 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 - ANSWERA. A reminder that there will be a default judgement
if the policyholder does not respond
,When would a default judgment occur?
A. When a defendant submits an answer
B. When a defendant does not answer a complaint
C. When an insurer sends a reservation of rights
D. In cases that involve an intentional tort - ANSWERB. When a defendant does not
answer a complaint
A few weeks ago Christopher's garage was destroyed by an out-of-control motorist.
Fortunately, the motorist had sufficient liability insurance to cover the damages.
However, the insurer insists that Christopher's garage is worth far less than the
appraisals he has received from contractors. Christopher and the insurer have gone
back and forth in negotiations for weeks, making little headway. Christopher decides
it's time to:
A. Issue a reservation of rights
B. Issue a judgment
C. Issue a complaint against the policyholder
D. Issue an answer for the policyholder - ANSWERC. Issue a complaint against the
policyholder
Joan files a lawsuit against Andy because his dog escaped and caused her to fall on
an icy sidewalk. Which of the following statements is FALSE?
A. Andy must submit an answer to avoid a default judgment
B. Andy's insurer is obligated to defend him in court until it proves that there is no
coverage under the policy in question, or until the suit is settled
C. Andy must notify his insurer that he is being taken to court
D. Andy's insurer will send Joan a reservation of rights - ANSWERD. Andy's insurer
will send Joan a reservation of rights
A few weeks ago, Frank ran a red light and caused an accident. He didn't worry too
much about it since he had liability insurance. But yesterday, Frank received a notice
that he is named as the defendant in a lawsuit involving the accident. Frank's next
course of action is to:
A. Call his lawyer
B. Settle the claim
C. Contact the claimant
D. Immediately notify his insurer - ANSWERD. Immediately notify his insurer
Sam's neighbor, Lee is suing him for intentionally cutting down Lee's tree and
damaging his gazebo when the tree fell on it. When Sam notifies his insurer of the
lawsuit, the insurer issues Sam _____, which gives him fair warning that he may need
to prepare his own defense if the insurer finds this case is not covered.
A. An answer
, B. A complaint
C. A notice of rights
D. A reservation of rights - ANSWERD. A reservation of rights
Lee was watching out his kitchen window and saw his neighbor, Sam, reach across
the fence with a pole saw and cut down one of Lee's trees. When the tree fell, it
landed on Lee's gazebo and damaged it. Lee is furious and sues Sam for the
damages. When they go to court, Sam is considered the:
A. Tortfeasor
B. Plaintiff
C. Tort
D. Intentional tort - ANSWERA. Tortfeasor
A non-waiver agreement:
A. Violates the doctrine of estoppel
B. Informs the policyholder that the insurer has denied coverage
C. Is another term for a "reservation of rights" letter
D. Needs to be signed by the policyholder in order to be valid - ANSWERD. Needs to
be signed by the policyholder in order to be valid
Tim is the plaintiff in a case involving an auto accident. To recover monies he feels
are due him, Tim produces documents to prove he had to pay over $55,000 in
medical bills. If the court were to award Tim $55,000, the damages would be
classified as:
A. Special damages
B. Tort damages
C. General damages
D. Imperative damages - ANSWERA. Special damages
Mental anguish would be an example of:
A. Punitive damages
B. Special damages
C. General damages
D. Tangible damages - ANSWERC. General damages
Ricky was watching a baseball game at XYZ Stadium, when the railing on which he
was leaving gave way and he fell two stories. As a result of his fall, Ricky broke his
back and is now paralyzed from the waist down. Ricky sued the owners of XYZ
Stadium and was awarded $150,000 to cover his medical bills and $2.5 million in
_____ because of the permanent nature of his injury.
A. Special damages
B. Tort damages
