Georgia Adjuster (LATEST 2025/2026 UPDATE),
ACTUAL EXAM/TEST QUESTIONS AND 100%
VERIFIED ANSWERS| A+ GRADE(100%Guarantee
Pass)
liaison - answer-communication or cooperation which facilitates a close
working relationship between people or organizations.
exemplary - answer-ideal model, representing the best
fiduciary - answer-trust, representation for a principal-contractor or insurance
company
Residual market (shared market) - answer-auto insurance market serves
drivers at high risk that are denied coverage by insurers
3 residual markets in Georgia - answer-Fair plan, Georgia AIP, Georgia Worker
Comp.
Private insurance - answer-non-governmental
GA WCARP - answer-Georgia worker comp assigned risk plan, its for Georgia
high risk businesses
,GA fair plan - answer-properties- residual or commercial. 1 year; medical 1,000
homeowner 100,000 one building 2,000,000
Group health insurance - answer-HMO-PPO
lower insurance for employee and employers
cover regardless of health
reduce policy waiting period
2 ways- comprehensive or catastrophic insurance - answer-from insurance
companies
purchase through HMO, PPO, POS
HMO - answer-health maintenance organization, inside network
PPO - answer-preferred provider organization, outside network
POS - answer-Point of Service, combine HMO and PPO
drawbacks - answer-expensive, deny coverage, pre existing conditions, no
longer deny, affordable care act
PPO advantages - answer-low cost
more out of pocket
, choose own medical care
both non-hospital and PPO hospital
major medical coverage plan - answer-high deductibles %, high coverage, any
network, risk major out of pocket, Exclusion-pregnancy, child birth, self
injuries, mental, cosmetic, worker comp
surgical and hospital insurance - answer-surgical expense insurance-surgery
hospital indemnity insurance-hospital per day
hospitalization expense insurance-coverage various
accident insurance - answer-accident bodily injuries, covers ambulance,
hospital cost, loss of income, death benefits
Exclusion- self inflicted, influence-drugs, crime injuries, disease, bacterial
infections
Double Indemnity - answer-twice death benefit
Waiting Period - answer-only after becoming ill
non cancellable policies - answer-guarantee health coverage
Renewable Policies - answer-Policies must include word renewable or the
insured MUST prove insurability to company at each time frame
ACTUAL EXAM/TEST QUESTIONS AND 100%
VERIFIED ANSWERS| A+ GRADE(100%Guarantee
Pass)
liaison - answer-communication or cooperation which facilitates a close
working relationship between people or organizations.
exemplary - answer-ideal model, representing the best
fiduciary - answer-trust, representation for a principal-contractor or insurance
company
Residual market (shared market) - answer-auto insurance market serves
drivers at high risk that are denied coverage by insurers
3 residual markets in Georgia - answer-Fair plan, Georgia AIP, Georgia Worker
Comp.
Private insurance - answer-non-governmental
GA WCARP - answer-Georgia worker comp assigned risk plan, its for Georgia
high risk businesses
,GA fair plan - answer-properties- residual or commercial. 1 year; medical 1,000
homeowner 100,000 one building 2,000,000
Group health insurance - answer-HMO-PPO
lower insurance for employee and employers
cover regardless of health
reduce policy waiting period
2 ways- comprehensive or catastrophic insurance - answer-from insurance
companies
purchase through HMO, PPO, POS
HMO - answer-health maintenance organization, inside network
PPO - answer-preferred provider organization, outside network
POS - answer-Point of Service, combine HMO and PPO
drawbacks - answer-expensive, deny coverage, pre existing conditions, no
longer deny, affordable care act
PPO advantages - answer-low cost
more out of pocket
, choose own medical care
both non-hospital and PPO hospital
major medical coverage plan - answer-high deductibles %, high coverage, any
network, risk major out of pocket, Exclusion-pregnancy, child birth, self
injuries, mental, cosmetic, worker comp
surgical and hospital insurance - answer-surgical expense insurance-surgery
hospital indemnity insurance-hospital per day
hospitalization expense insurance-coverage various
accident insurance - answer-accident bodily injuries, covers ambulance,
hospital cost, loss of income, death benefits
Exclusion- self inflicted, influence-drugs, crime injuries, disease, bacterial
infections
Double Indemnity - answer-twice death benefit
Waiting Period - answer-only after becoming ill
non cancellable policies - answer-guarantee health coverage
Renewable Policies - answer-Policies must include word renewable or the
insured MUST prove insurability to company at each time frame
