AUTO ADJUSTER EXAM 17-66 2025
QUESTIONS AND ANSWERS
Which of the following would not be considered a "first party" coverage under the personal
auto policy? - ANS Liability
Liability is considered to be "third party coverage." The other coverages pay the insured (the
first party) under the policy.
Which of the following would be considered "special damages?" - ANS Medical expenses
There are two types of damages for bodily injury claims - special damages and general
damages. Special damages are those expenses to which one can apply a dollar amount such as
medical bills, a rental car, travel expenses to a medical facility and loss of wages. General
damages are the most difficult to adjust since they usually require negotiation or even court
action for a final determination of the amount owed the claimant. General damages include
disfiguration, pain and suffering, punitive damages, loss of consortium and loss of the quality of
life.
A non-waiver agreement issued by an insurance company is: - ANS A coverage issue..
Non-waiver agreements and reservation of rights letters both serve the following general
1
purposes: 1. To advise the insured that any action taken by the insurance company in
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, investigating the cause of loss or in ascertaining the amount of loss is not intended to waive or
invalidate any policy condition, and 2. To clarify that the intent of the agreement is to permit an
investigation of the claim and that neither the insured nor the insurer will thereby waive any
respective rights or obligations.
Which of the following would NOT be covered under coverage C, the Uninsured and
Underinsured Motorist Coverage? - ANS Vehicles
This coverage does not apply to physical damage to other vehicles. In some states the insured
can elect to purchase uninsured motorist property damage coverage that would apply to the
insured's vehicle. Special damages are those that the adjuster can assign a dollar amount such
as medical expenses and loss of wages. General damages deal with soft tissue injuries or pain
and suffering where the damages are usually determined at a later date and negotiated with
the insured.
The Terrorism Risk Insurance Program Reauthorization Act of 2015 excludes all acts of terrorism
if the act is committed as part of the course of a war declared by Congress with the exception
of one line of insurance. Which of the following is the only line of insurance that would still be
covered in case of a war? - ANS Workers compensation.
Workers compensation coverage is the only line of insurance covered by the Act in case of war.
The Superintendent of Insurance may approve the employment, appointment or participation
of any person whose license has been revoked. Karen Jones had her license revoked and filed
an application for relicensing and has waited over 120 days without a response from the
Insurance Department. What should or can she do? - ANS Assume the relicensing is
approved.
If the application for a license has not been approved or disapproved within the 120 days the
relicensing is considered approved.
2
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QUESTIONS AND ANSWERS
Which of the following would not be considered a "first party" coverage under the personal
auto policy? - ANS Liability
Liability is considered to be "third party coverage." The other coverages pay the insured (the
first party) under the policy.
Which of the following would be considered "special damages?" - ANS Medical expenses
There are two types of damages for bodily injury claims - special damages and general
damages. Special damages are those expenses to which one can apply a dollar amount such as
medical bills, a rental car, travel expenses to a medical facility and loss of wages. General
damages are the most difficult to adjust since they usually require negotiation or even court
action for a final determination of the amount owed the claimant. General damages include
disfiguration, pain and suffering, punitive damages, loss of consortium and loss of the quality of
life.
A non-waiver agreement issued by an insurance company is: - ANS A coverage issue..
Non-waiver agreements and reservation of rights letters both serve the following general
1
purposes: 1. To advise the insured that any action taken by the insurance company in
Page
@COPYRIGHT SIRJOEL 2025/2026
, investigating the cause of loss or in ascertaining the amount of loss is not intended to waive or
invalidate any policy condition, and 2. To clarify that the intent of the agreement is to permit an
investigation of the claim and that neither the insured nor the insurer will thereby waive any
respective rights or obligations.
Which of the following would NOT be covered under coverage C, the Uninsured and
Underinsured Motorist Coverage? - ANS Vehicles
This coverage does not apply to physical damage to other vehicles. In some states the insured
can elect to purchase uninsured motorist property damage coverage that would apply to the
insured's vehicle. Special damages are those that the adjuster can assign a dollar amount such
as medical expenses and loss of wages. General damages deal with soft tissue injuries or pain
and suffering where the damages are usually determined at a later date and negotiated with
the insured.
The Terrorism Risk Insurance Program Reauthorization Act of 2015 excludes all acts of terrorism
if the act is committed as part of the course of a war declared by Congress with the exception
of one line of insurance. Which of the following is the only line of insurance that would still be
covered in case of a war? - ANS Workers compensation.
Workers compensation coverage is the only line of insurance covered by the Act in case of war.
The Superintendent of Insurance may approve the employment, appointment or participation
of any person whose license has been revoked. Karen Jones had her license revoked and filed
an application for relicensing and has waited over 120 days without a response from the
Insurance Department. What should or can she do? - ANS Assume the relicensing is
approved.
If the application for a license has not been approved or disapproved within the 120 days the
relicensing is considered approved.
2
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