FLORIDAg 6-
20g ALLg LINESg ADJUSTERg TEST|g 276g QUESTIONS|g50g P
AGES|g WITHg COMPLETEg SOLUTIONS
Forgmoregfilesgemail:
Agpublicgadjustergrepresentsgtheginterestgof:
A. Theginsurer
B. ThegInsured
C. Theg employer
D. Theginterestgofgtheggeneralgpublicg-gCorrectgAnswerg-B.gTheginsured
Whichgofgthegfollowinggisgthegtypegofgreportgthatgindicatesgtheginitialgresultsgofgagcl
aimginvestigation?
A. FieldgReport
B. InterimgReport
C. Fullg Report
D. Nonegofgthegaboveg-gCorrectgAnswerg-A.gFieldgReport
Statesg havegadoptedg statutesg regardingg claimsg adjusting.gTogavoidgunfairgtreatm
entgtoga
claimantgthegadjustergmustgnot:
A. Promptlyginvestigategthegclaim.
B. Followg theglawsg regardingg theg numbergofg daysg ing whichg tog commence
g anginvestigation.
C. Denyg theg claimguntilgag fairg andg promptg investigationg hasgcommenced.
D. Paygthegclaimgwithingagreasonablegnumbergofgdaysgaftergthegfinalgproof
gofglossghasgbeen
received.g-gCorrectgAnswerg-
C.gDenygthegclaimguntilgagfairgandgpromptginvestigationghasgcommenced.
Whichgofgthegfollowinggisgnotgagclaimgsettlementgoption?
A. Forcinggtheginsuredgtogsuegbygofferingglessgthangthegclaimgisgworth.
B. Repairinggproperty.
C. Replacinggwithglikegkindgandgquality.
D. Replacegwithgnewg-gCorrectgAnswerg-
A.gForcinggtheginsuredgtogsuegbygofferingglessgthangthegclaimgisgworth.
Theggivinggupgofgagknowngrightgisgcalled:
A. Estoppel
B. Violationgofgpolicygconditions
C. Rebating
D. Waiverg-gCorrectgAnswerg-D.gWaiver
Anginnocentg partyg reliesg ongcertaing statementsg madeg bygtheg adjusterg andgisgda
magedgasga
result.gThegguiltygpartygmaygbeglegallygprohibitedgfromgassertinggthatgthegfactgdo
esgnotgexist
,becausegof:
A. Waiver
B. Estoppel
C. Dutiesgofgthegadjuster
D. Lawgofgcontractg-gCorrectgAnswerg-B.gEstoppel
Shouldganginsuredgfailgtogreportgagclaimgingagtimelygfashiongthegadjustergwillgus
ually:
A. Denygthegclaim.
B. Sendgtheginsuredgagreservationgofgrightsgletter.
C. Ceaseginvestigating.
D. Seekgthegadvicegofgthegcompany'sg attorney.g-gCorrectgAnswerg-
B.gSendgtheginsuredgagreservationgofgrightsgletter.
Agcompanygadjustergprimarilygrepresentsgtheginterestsgof:
A. Theginsured.
B. Thegclaimant.
C. Theginsurer.
D. Thegpublic.g-gCorrectgAnswerg-C.gTheginsurer.
Angadjuster'sglicensegwillgusuallygbegrevokedgforgwhichgofgthegfollowinggreasons:
A. Denyingg claimsg thatg areg notg covered.
B. Failinggtogreportgagchangegofgaddress.
C. Havinggbeengconvictedgofgagmisdemeanor.
D. Havinggbeengconvictedgofgagfelony.g-gCorrectgAnswerg-
D.gHavinggbeengconvictedgofgagfelony.
Theg insuredg hasg beeng involvedg ing ang automobileg accidentg andg hasg sustainedgbo
dilyginjuries
andgdamagegtogtheginsuredgvehicle.gThegadjustergwillgusually:
A. Withholdganygpaymentguntilgallgthegbillsghavegbeengreviewedgforgpayment.
B. Paygtogrepairgthegvehiclegandgpaygthegmedicalgbillsglater.
C. Paygforgthegrepairgofgthegvehiclegandgrequiregagreleasegforgallgclaims.
D. Paygtogrepairgthegdamagegtogthegvehiclegandgobtaingagpartialgreleasega
ndgsettlegthe
medicalgpaymentsglatergandgthengseekgagfinalgrelease.g-gCorrectgAnswerg-
D.gPaygtogrepairgthegdamagegtogthegvehiclegandgobtaingagpartialgreleasegandgsettl
egthe
medicalgpaymentsglatergandgthengseekgagfinalgrelease.
Mr.gJonesghasgdamagedghisgvehiclegbygstrikinggagtree.gHegcan:
A. Takegthegcargtogagrepairggaragegrecommendedgbygtheginsurer.
B. Takegthegcargtogaggaragegofghis/hergchoice.
C. Acceptg theg paymentg basedg ong theg adjuster'sg estimate.
D. Allgofgthegabove.g-gCorrectgAnswerg-D.gAllgofgthegabove.
,Ingcasegofgagtotalglossgtogagvehiclegthegadjustergwillgpaygtheginsured/claimantgwhic
hgofgthe
following?
A. Thegcostgtogreplacegthegvehiclegwithglikegkindgandgqualitygifgagcurrentgye
argmodel.
B. Usegthegmostgrecentgpublicationgofgang"OfficialgUsedgCargGuide".
C. Ifgnotglistedgingtheg"guide",gobtaingquotationsgfromgautomobilegdealers.
D. Allgofgthegabovegdependinggongthegcircumstances.g-gCorrectgAnswerg-
D.gAllgofgthegabovegdependinggongthegcircumstances.
WhichgofgthegfollowinggisgNOTgagclaimgsettlementgoptiongforgliabilitygclaims?
A. Lostgwages
B. Excessivegamountsgclaimed
C. Lossgofguse
D. Disfigurementg -g Correctg Answerg -B.g Excessiveg amountsg claimed
Whichgofgthegfollowinggresultsgingimmediategpaymentgwhengthegclaimantgsignsg
agrelease
relinquishingg hisg org herg rightg tog sue?
A. ScheduledgPaymentgRelease
B. FullgReleasegSettlement
C. AdvancedgPayment
D. StructuredgSettlementg-gCorrectgAnswerg-B.gFullgReleasegSettlement
Whichgofgthegfollowinggrelievesgthegfinancialgburdengongthegclaimantgbygmakinggc
ertain
paymentsg tog theg claimantg eveng beforeg theg claimg cang beg negotiated?
A. NogReleasegorgWalk-Away
B. Rehabilitation
C. AdvancedgPayment
D. Open-Endedg Releaseg -g Correctg Answerg -C.g Advancedg Payment
Whichgofgthegfollowinggstatementsgisgcorrect?
I. ThegBusinessgAutogPolicygusesg10gsymbolsgtogdefinegcoveredgvehicles
II. Symbolsg30gandg31gapplygtogthegGaragegPolicy.
A. Igonly.
B. IIgonly.
C. NeithergIgnorgII.
D. BothgIgandgII.g-gCorrectgAnswerg-D.gBothgIgandgII.
WhichgofgthegfollowinggisgnotgagBusinessgAutogendorsement?
A. DrivegOthergCar.
B. Changeg Otherg Driver.
C. Individualg Namedg Insured.
, D. MobilegEquipment.g-gCorrectgAnswerg-B.gChangegOthergDriver.
UndergthegBusinessgAutogPolicy,geachgofgthegfollowinggisgtruegaboutgclassification
gof
"coveredgautos,"gexcept:
A. "Anyg auto"g isg theg broadestg coverageg classification.
B. Anginsuredgmaygselectgdifferentgclassificationsgforgdifferentgcoverages.
C. Allgclassesgofgnewlygacquiredgautosgaregautomaticallygcovered.
D. "Hiredg autos"gincludesgautosgtheginsuredg leases,ghires,g rentsgorg borrow
s.g -gCorrectgAnswerg-
C.gAllgclassesgofgnewlygacquiredgautosgaregautomaticallygcovered.
Accordingg tog theg Businessg Autog definitions,g ang "accident":
A. Includesg continuousg org repeatedg exposureg tog theg sameg conditions.
B. Mustgbegsuddengandgunexpected.
C. Mustg beg unexpectedg andg unpreventable.
D. Isganygeventgthatgcausesginjurygorg damage.g-gCorrectg Answerg-
A.gIncludesgcontinuousgorgrepeatedgexposuregtogthegsamegconditions.
JosephgYoung,gwhogisginsuredgundergagBusinessgAutogpolicy,gisginvolvedgingangac
cident.
Hegandgtheginsurancegcompanygdisagreegongthegamountgtogbegpaidgforgthegdam
agegtoghis
car.gUndergthegtermsgofgthegpolicy,gwhichgofgthegfollowinggstatementsgisgtrue:
A. Eachgpartygengagesgangappraiser,gandgthegappraisersgwillgselectgangumpire.
B. Mr.g Youngg mustg acceptg theg insuranceg company'sg estimate.
C. Eachgpartygengagesgangappraiser,gandgthegappraisersgwillgdecidegt
hegamount.
D. Thegestimatesgofgbothgpartiesgwillgbegaveraged.g-gCorrectgAnswerg-
A.gEachgpartygengagesgangappraiser,gandgthegappraisersgwillgselectgangumpire
Underg Formg MCS-90,g a
noticegtogthegothergpartygisgrequiredgforgcan
cellationgof
coveragegongthegpartgofgeithergtheginsurergorginsured.
A. 10gday
B. 72ghour
C. 14gday
D. 35gdayg-gCorrectgAnswerg-D.g35gday
Whichgofgthegfollowinggisgconsideredgag"garagegoperation"?
I. Ownership,g maintenanceg org useg ofg garageg premises.
II. Salegofgproductsg orgservicesg ing connectiong withg garageg operations.
III. Ownershipg org maintenanceg ofg coveredg autos.
IV. Productiongorgsupportgofgracinggorgcompetitivegoperations.
A. IgandgIIgonly.
B. I,gII,gandgIIIgonly.
20g ALLg LINESg ADJUSTERg TEST|g 276g QUESTIONS|g50g P
AGES|g WITHg COMPLETEg SOLUTIONS
Forgmoregfilesgemail:
Agpublicgadjustergrepresentsgtheginterestgof:
A. Theginsurer
B. ThegInsured
C. Theg employer
D. Theginterestgofgtheggeneralgpublicg-gCorrectgAnswerg-B.gTheginsured
Whichgofgthegfollowinggisgthegtypegofgreportgthatgindicatesgtheginitialgresultsgofgagcl
aimginvestigation?
A. FieldgReport
B. InterimgReport
C. Fullg Report
D. Nonegofgthegaboveg-gCorrectgAnswerg-A.gFieldgReport
Statesg havegadoptedg statutesg regardingg claimsg adjusting.gTogavoidgunfairgtreatm
entgtoga
claimantgthegadjustergmustgnot:
A. Promptlyginvestigategthegclaim.
B. Followg theglawsg regardingg theg numbergofg daysg ing whichg tog commence
g anginvestigation.
C. Denyg theg claimguntilgag fairg andg promptg investigationg hasgcommenced.
D. Paygthegclaimgwithingagreasonablegnumbergofgdaysgaftergthegfinalgproof
gofglossghasgbeen
received.g-gCorrectgAnswerg-
C.gDenygthegclaimguntilgagfairgandgpromptginvestigationghasgcommenced.
Whichgofgthegfollowinggisgnotgagclaimgsettlementgoption?
A. Forcinggtheginsuredgtogsuegbygofferingglessgthangthegclaimgisgworth.
B. Repairinggproperty.
C. Replacinggwithglikegkindgandgquality.
D. Replacegwithgnewg-gCorrectgAnswerg-
A.gForcinggtheginsuredgtogsuegbygofferingglessgthangthegclaimgisgworth.
Theggivinggupgofgagknowngrightgisgcalled:
A. Estoppel
B. Violationgofgpolicygconditions
C. Rebating
D. Waiverg-gCorrectgAnswerg-D.gWaiver
Anginnocentg partyg reliesg ongcertaing statementsg madeg bygtheg adjusterg andgisgda
magedgasga
result.gThegguiltygpartygmaygbeglegallygprohibitedgfromgassertinggthatgthegfactgdo
esgnotgexist
,becausegof:
A. Waiver
B. Estoppel
C. Dutiesgofgthegadjuster
D. Lawgofgcontractg-gCorrectgAnswerg-B.gEstoppel
Shouldganginsuredgfailgtogreportgagclaimgingagtimelygfashiongthegadjustergwillgus
ually:
A. Denygthegclaim.
B. Sendgtheginsuredgagreservationgofgrightsgletter.
C. Ceaseginvestigating.
D. Seekgthegadvicegofgthegcompany'sg attorney.g-gCorrectgAnswerg-
B.gSendgtheginsuredgagreservationgofgrightsgletter.
Agcompanygadjustergprimarilygrepresentsgtheginterestsgof:
A. Theginsured.
B. Thegclaimant.
C. Theginsurer.
D. Thegpublic.g-gCorrectgAnswerg-C.gTheginsurer.
Angadjuster'sglicensegwillgusuallygbegrevokedgforgwhichgofgthegfollowinggreasons:
A. Denyingg claimsg thatg areg notg covered.
B. Failinggtogreportgagchangegofgaddress.
C. Havinggbeengconvictedgofgagmisdemeanor.
D. Havinggbeengconvictedgofgagfelony.g-gCorrectgAnswerg-
D.gHavinggbeengconvictedgofgagfelony.
Theg insuredg hasg beeng involvedg ing ang automobileg accidentg andg hasg sustainedgbo
dilyginjuries
andgdamagegtogtheginsuredgvehicle.gThegadjustergwillgusually:
A. Withholdganygpaymentguntilgallgthegbillsghavegbeengreviewedgforgpayment.
B. Paygtogrepairgthegvehiclegandgpaygthegmedicalgbillsglater.
C. Paygforgthegrepairgofgthegvehiclegandgrequiregagreleasegforgallgclaims.
D. Paygtogrepairgthegdamagegtogthegvehiclegandgobtaingagpartialgreleasega
ndgsettlegthe
medicalgpaymentsglatergandgthengseekgagfinalgrelease.g-gCorrectgAnswerg-
D.gPaygtogrepairgthegdamagegtogthegvehiclegandgobtaingagpartialgreleasegandgsettl
egthe
medicalgpaymentsglatergandgthengseekgagfinalgrelease.
Mr.gJonesghasgdamagedghisgvehiclegbygstrikinggagtree.gHegcan:
A. Takegthegcargtogagrepairggaragegrecommendedgbygtheginsurer.
B. Takegthegcargtogaggaragegofghis/hergchoice.
C. Acceptg theg paymentg basedg ong theg adjuster'sg estimate.
D. Allgofgthegabove.g-gCorrectgAnswerg-D.gAllgofgthegabove.
,Ingcasegofgagtotalglossgtogagvehiclegthegadjustergwillgpaygtheginsured/claimantgwhic
hgofgthe
following?
A. Thegcostgtogreplacegthegvehiclegwithglikegkindgandgqualitygifgagcurrentgye
argmodel.
B. Usegthegmostgrecentgpublicationgofgang"OfficialgUsedgCargGuide".
C. Ifgnotglistedgingtheg"guide",gobtaingquotationsgfromgautomobilegdealers.
D. Allgofgthegabovegdependinggongthegcircumstances.g-gCorrectgAnswerg-
D.gAllgofgthegabovegdependinggongthegcircumstances.
WhichgofgthegfollowinggisgNOTgagclaimgsettlementgoptiongforgliabilitygclaims?
A. Lostgwages
B. Excessivegamountsgclaimed
C. Lossgofguse
D. Disfigurementg -g Correctg Answerg -B.g Excessiveg amountsg claimed
Whichgofgthegfollowinggresultsgingimmediategpaymentgwhengthegclaimantgsignsg
agrelease
relinquishingg hisg org herg rightg tog sue?
A. ScheduledgPaymentgRelease
B. FullgReleasegSettlement
C. AdvancedgPayment
D. StructuredgSettlementg-gCorrectgAnswerg-B.gFullgReleasegSettlement
Whichgofgthegfollowinggrelievesgthegfinancialgburdengongthegclaimantgbygmakinggc
ertain
paymentsg tog theg claimantg eveng beforeg theg claimg cang beg negotiated?
A. NogReleasegorgWalk-Away
B. Rehabilitation
C. AdvancedgPayment
D. Open-Endedg Releaseg -g Correctg Answerg -C.g Advancedg Payment
Whichgofgthegfollowinggstatementsgisgcorrect?
I. ThegBusinessgAutogPolicygusesg10gsymbolsgtogdefinegcoveredgvehicles
II. Symbolsg30gandg31gapplygtogthegGaragegPolicy.
A. Igonly.
B. IIgonly.
C. NeithergIgnorgII.
D. BothgIgandgII.g-gCorrectgAnswerg-D.gBothgIgandgII.
WhichgofgthegfollowinggisgnotgagBusinessgAutogendorsement?
A. DrivegOthergCar.
B. Changeg Otherg Driver.
C. Individualg Namedg Insured.
, D. MobilegEquipment.g-gCorrectgAnswerg-B.gChangegOthergDriver.
UndergthegBusinessgAutogPolicy,geachgofgthegfollowinggisgtruegaboutgclassification
gof
"coveredgautos,"gexcept:
A. "Anyg auto"g isg theg broadestg coverageg classification.
B. Anginsuredgmaygselectgdifferentgclassificationsgforgdifferentgcoverages.
C. Allgclassesgofgnewlygacquiredgautosgaregautomaticallygcovered.
D. "Hiredg autos"gincludesgautosgtheginsuredg leases,ghires,g rentsgorg borrow
s.g -gCorrectgAnswerg-
C.gAllgclassesgofgnewlygacquiredgautosgaregautomaticallygcovered.
Accordingg tog theg Businessg Autog definitions,g ang "accident":
A. Includesg continuousg org repeatedg exposureg tog theg sameg conditions.
B. Mustgbegsuddengandgunexpected.
C. Mustg beg unexpectedg andg unpreventable.
D. Isganygeventgthatgcausesginjurygorg damage.g-gCorrectg Answerg-
A.gIncludesgcontinuousgorgrepeatedgexposuregtogthegsamegconditions.
JosephgYoung,gwhogisginsuredgundergagBusinessgAutogpolicy,gisginvolvedgingangac
cident.
Hegandgtheginsurancegcompanygdisagreegongthegamountgtogbegpaidgforgthegdam
agegtoghis
car.gUndergthegtermsgofgthegpolicy,gwhichgofgthegfollowinggstatementsgisgtrue:
A. Eachgpartygengagesgangappraiser,gandgthegappraisersgwillgselectgangumpire.
B. Mr.g Youngg mustg acceptg theg insuranceg company'sg estimate.
C. Eachgpartygengagesgangappraiser,gandgthegappraisersgwillgdecidegt
hegamount.
D. Thegestimatesgofgbothgpartiesgwillgbegaveraged.g-gCorrectgAnswerg-
A.gEachgpartygengagesgangappraiser,gandgthegappraisersgwillgselectgangumpire
Underg Formg MCS-90,g a
noticegtogthegothergpartygisgrequiredgforgcan
cellationgof
coveragegongthegpartgofgeithergtheginsurergorginsured.
A. 10gday
B. 72ghour
C. 14gday
D. 35gdayg-gCorrectgAnswerg-D.g35gday
Whichgofgthegfollowinggisgconsideredgag"garagegoperation"?
I. Ownership,g maintenanceg org useg ofg garageg premises.
II. Salegofgproductsg orgservicesg ing connectiong withg garageg operations.
III. Ownershipg org maintenanceg ofg coveredg autos.
IV. Productiongorgsupportgofgracinggorgcompetitivegoperations.
A. IgandgIIgonly.
B. I,gII,gandgIIIgonly.
