GEORGIA ADJUSTER ACTUAL REAL EXAM
NEWEST UPDATE WITH ALL COMPLETE TESTED
QUESTIONS WITH CORRECT ACCURATE
Page | 1
ANSWERS|EXPERT VERIFIED FOR GUARANTEED
PASS /TOP RATED A+.
GEORGIA ADJUSTER
Pass the Georgia Adjuster Exam 2025/2026 with confidence. This exam
resource features questions in areas like: claims handling, property and
casualty coverage, liability, and Georgia insurance laws. It is ideal for
students and professionals seeking a career as licensed insurance adjusters.
An insured's business is damaged because of a fire and he is forced to
close business temporarily for repairs. As a result, the insured lost
income. What type of loss is this? ....... ANSWER ...... Consequential
also known as Indirect Loss
The insured crashes into a porch and the person sitting on the porch. The
person on the porch is injured. The insured's insurance policy has a limit
set at $500,000. This amount applies to the total of damages for any
bodily injury and property damage resulting from one accident. Which
type of limit of liability does the insured have? This single dollar limit of
liability applying to the total of damages for bodily injury and property
damage combined resulting from one accident or occurrence
....... ANSWER ...... Combined Single
If a liability policy had split limits of 100/300/100, what is the maximum
amount that would be payable in the event of injury to a single person?
, The first limit shown is the most the policy will pay for bodily injury to
any one person ....... ANSWER ...... $100,000
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What kind of liability would a person with a swimming pool have? .......
ANSWER ...... Absolute
Any conduct that is inherently dangerous imposes this liability. The
claimant does not have to prove anythhing.
An agent license can be issued? ....... ANSWER ...... Only to
individuals
If a policy has been in affect for at least 60 days or is due for renewal, a
cancellation may only be affected for this reason? ....... ANSWER ......
A change in the risk that substantially increases the hazard insured
against
An insurer that holds a Certificate of Authority in the state in which it
transacts business is considered to be? ....... ANSWER ...... Authorized
Insurer
An insured must get advanced warning if the premiums will be increased
by more than? ....... ANSWER ...... 15%
, Written notice of an increase in premiums that exceed this amount of the
current policy's premium must be delivered or mailed to the insured at
least 45 days before the effective date of the change
Page | 3
The insurance principle that states if a policy allows for greater
compensation than the financial loss incurred, the insured may only
receive benefits for the amount lost? ....... ANSWER ...... Indemnity
Insurance is a contract by which one seeks to protect another from? .......
ANSWER ......Loss
The loss settlement based on the reasonable and fair portion that the lost
or damaged part bears to the total value of the set? ....... ANSWER ......
Pair and Set Clause
In the event of a loss to only part of a pair or set, losses will be settled
either by repairing or replacing the damaged part or by paying the
difference between the actual cash value before and after the loss.
Provides the insurer a method of settling a loss when only a part of the
insured pair or set is damaged. The insurer will pay for the loss or
damage to an insured item, plus the amount that the loss of one item
detracts from the value of undamaged item(s) of the pair or set.
The essential parts of an insurance policy ....... ANSWER ...... Insuring
clause, Exclusions, Conditions
, Because an insurance policy is legal contract, it must conform to the state
laws governing contracts which require all the following statements
except ....... ANSWER ...... Conditions
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Legal purpose, Consideration, Conditions, Offer and Acceptance
An insurance contract must contain all of the following to be considered
legally binding EXCEPT? ....... ANSWER ...... Beneficiary's consent
Offer and Acceptance, Consideration, Beneficiary's Consent, Competent
Parties
The essential elements of a legal contract are
Offer and Acceptance, Consideration, Competent Parties, Legal Purpose
Something of value one party gives to another. --The consideration on the
part of the insured is the payment of premium and the representations
made in the policy. ....... ANSWER ...... Consideration
When an insured makes truthful statements on the application for
insurance and pays the required premium, it is known as which of the
following?
-Consideration is something of value that each party gives to the other.
The consideration on the part of the insured is the payment of premium
and the representations made in the application.
NEWEST UPDATE WITH ALL COMPLETE TESTED
QUESTIONS WITH CORRECT ACCURATE
Page | 1
ANSWERS|EXPERT VERIFIED FOR GUARANTEED
PASS /TOP RATED A+.
GEORGIA ADJUSTER
Pass the Georgia Adjuster Exam 2025/2026 with confidence. This exam
resource features questions in areas like: claims handling, property and
casualty coverage, liability, and Georgia insurance laws. It is ideal for
students and professionals seeking a career as licensed insurance adjusters.
An insured's business is damaged because of a fire and he is forced to
close business temporarily for repairs. As a result, the insured lost
income. What type of loss is this? ....... ANSWER ...... Consequential
also known as Indirect Loss
The insured crashes into a porch and the person sitting on the porch. The
person on the porch is injured. The insured's insurance policy has a limit
set at $500,000. This amount applies to the total of damages for any
bodily injury and property damage resulting from one accident. Which
type of limit of liability does the insured have? This single dollar limit of
liability applying to the total of damages for bodily injury and property
damage combined resulting from one accident or occurrence
....... ANSWER ...... Combined Single
If a liability policy had split limits of 100/300/100, what is the maximum
amount that would be payable in the event of injury to a single person?
, The first limit shown is the most the policy will pay for bodily injury to
any one person ....... ANSWER ...... $100,000
Page | 2
What kind of liability would a person with a swimming pool have? .......
ANSWER ...... Absolute
Any conduct that is inherently dangerous imposes this liability. The
claimant does not have to prove anythhing.
An agent license can be issued? ....... ANSWER ...... Only to
individuals
If a policy has been in affect for at least 60 days or is due for renewal, a
cancellation may only be affected for this reason? ....... ANSWER ......
A change in the risk that substantially increases the hazard insured
against
An insurer that holds a Certificate of Authority in the state in which it
transacts business is considered to be? ....... ANSWER ...... Authorized
Insurer
An insured must get advanced warning if the premiums will be increased
by more than? ....... ANSWER ...... 15%
, Written notice of an increase in premiums that exceed this amount of the
current policy's premium must be delivered or mailed to the insured at
least 45 days before the effective date of the change
Page | 3
The insurance principle that states if a policy allows for greater
compensation than the financial loss incurred, the insured may only
receive benefits for the amount lost? ....... ANSWER ...... Indemnity
Insurance is a contract by which one seeks to protect another from? .......
ANSWER ......Loss
The loss settlement based on the reasonable and fair portion that the lost
or damaged part bears to the total value of the set? ....... ANSWER ......
Pair and Set Clause
In the event of a loss to only part of a pair or set, losses will be settled
either by repairing or replacing the damaged part or by paying the
difference between the actual cash value before and after the loss.
Provides the insurer a method of settling a loss when only a part of the
insured pair or set is damaged. The insurer will pay for the loss or
damage to an insured item, plus the amount that the loss of one item
detracts from the value of undamaged item(s) of the pair or set.
The essential parts of an insurance policy ....... ANSWER ...... Insuring
clause, Exclusions, Conditions
, Because an insurance policy is legal contract, it must conform to the state
laws governing contracts which require all the following statements
except ....... ANSWER ...... Conditions
Page | 4
Legal purpose, Consideration, Conditions, Offer and Acceptance
An insurance contract must contain all of the following to be considered
legally binding EXCEPT? ....... ANSWER ...... Beneficiary's consent
Offer and Acceptance, Consideration, Beneficiary's Consent, Competent
Parties
The essential elements of a legal contract are
Offer and Acceptance, Consideration, Competent Parties, Legal Purpose
Something of value one party gives to another. --The consideration on the
part of the insured is the payment of premium and the representations
made in the policy. ....... ANSWER ...... Consideration
When an insured makes truthful statements on the application for
insurance and pays the required premium, it is known as which of the
following?
-Consideration is something of value that each party gives to the other.
The consideration on the part of the insured is the payment of premium
and the representations made in the application.
