ILLINOIS PUBLIC ADJUSTER EXAM
Questions and Answers Graded A+
1. Which of the following does the Director not have the power or duty to do?
(A. Enact laws regarding insurance practices
(B. Enforce insurance laws that are in the Illinois legal code
(C. Adopt rules and regulations to enforce the insurance laws
(D. Examine every Illinois insurance licensee - Correct answer-A. Enact laws
regarding insurance practices
2. Who of the following represents the insured in a claim?
(A. An independent adjuster
(B. A company adjuster
(C. A public adjuster
(D. A bailee - Correct answer-(C. A public adjuster
3. Which of the following would not be negotiated by a public adjuster?
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,(A. The amount of damage
(B. The cause of the loss
(C. The amount of depreciation
(D. The extent of the damage - Correct answer-(B. The cause of the loss
4. Which of the following is not required to become a public adjuster? (A.
Successful passing of a state-sponsored exam
(B. A copy of the public adjuster's proposed contract for insureds
(C. A map of the public adjusters marketing territories
(D. A surety bond with a face amount of $20,000 - Correct answer-(C. A map of
the public adjusters marketing territories
5. If a public adjuster moves, how soon must he or she inform the Director?
(A. Within 15 days
(B. Within 30 days
(C. Within 60 days
(D. At the time of renewing the license - Correct answer-(B. Within 30 days
6. Which of the following might result in termination of a public adjuster's license?
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,(A. Failure to file a state income tax return
(B. Being convicted of any misdemeanor
(C. Failing to provide the Director with a copy of the signed contract with each
insured
(D. Cancellation of the public adjuster's business insurance - Correct answer-(A.
Failure to file a state income tax return
7. It is allowable for a public adjuster to...
(A. Solicit new clients from 7pm to 8am
(B. State that he or she is licensed
(C. State that he or she represents the fire department
(D. State that he or she represents the insurance company - Correct answer-(B.
State that he or she is licensed
8. When may a public adjuster solicit new clients?
(A. While a loss-producing occurrence is continuing
(B. Between 8am and 7pm
(C. While the fire department is engaged at the damaged premises
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, (D. Immediately after the state examination is passed - Correct answer-(B.
Between 8am and 7pm
9. Which of the following is not a reason for the Director to revoke or refuse to
renew a public adjuster's license?
(A. Being convicted of a felony involving dishonesty or fraud
(B. Engaging in the unauthorized practice of law
(C. Failing to pay tax due to the Department of Revenue
(D. Having its businessowners insurance policy canceled - Correct answer-(D.
Having its businessowners insurance policy canceled
10. Which of the following could result in termination of the public adjuster's
license by the Director?
(A. Advancing funds to an insured while waiting for the claim to be resolved
(B. Charging more than 25% commission
(C. Soliciting more than three homeowner's on the same day
(D. Avoiding certain counties during solicitations - Correct answer-(A. Advancing
funds to an insured while waiting for the claim to be resolved
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Questions and Answers Graded A+
1. Which of the following does the Director not have the power or duty to do?
(A. Enact laws regarding insurance practices
(B. Enforce insurance laws that are in the Illinois legal code
(C. Adopt rules and regulations to enforce the insurance laws
(D. Examine every Illinois insurance licensee - Correct answer-A. Enact laws
regarding insurance practices
2. Who of the following represents the insured in a claim?
(A. An independent adjuster
(B. A company adjuster
(C. A public adjuster
(D. A bailee - Correct answer-(C. A public adjuster
3. Which of the following would not be negotiated by a public adjuster?
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,(A. The amount of damage
(B. The cause of the loss
(C. The amount of depreciation
(D. The extent of the damage - Correct answer-(B. The cause of the loss
4. Which of the following is not required to become a public adjuster? (A.
Successful passing of a state-sponsored exam
(B. A copy of the public adjuster's proposed contract for insureds
(C. A map of the public adjusters marketing territories
(D. A surety bond with a face amount of $20,000 - Correct answer-(C. A map of
the public adjusters marketing territories
5. If a public adjuster moves, how soon must he or she inform the Director?
(A. Within 15 days
(B. Within 30 days
(C. Within 60 days
(D. At the time of renewing the license - Correct answer-(B. Within 30 days
6. Which of the following might result in termination of a public adjuster's license?
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,(A. Failure to file a state income tax return
(B. Being convicted of any misdemeanor
(C. Failing to provide the Director with a copy of the signed contract with each
insured
(D. Cancellation of the public adjuster's business insurance - Correct answer-(A.
Failure to file a state income tax return
7. It is allowable for a public adjuster to...
(A. Solicit new clients from 7pm to 8am
(B. State that he or she is licensed
(C. State that he or she represents the fire department
(D. State that he or she represents the insurance company - Correct answer-(B.
State that he or she is licensed
8. When may a public adjuster solicit new clients?
(A. While a loss-producing occurrence is continuing
(B. Between 8am and 7pm
(C. While the fire department is engaged at the damaged premises
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, (D. Immediately after the state examination is passed - Correct answer-(B.
Between 8am and 7pm
9. Which of the following is not a reason for the Director to revoke or refuse to
renew a public adjuster's license?
(A. Being convicted of a felony involving dishonesty or fraud
(B. Engaging in the unauthorized practice of law
(C. Failing to pay tax due to the Department of Revenue
(D. Having its businessowners insurance policy canceled - Correct answer-(D.
Having its businessowners insurance policy canceled
10. Which of the following could result in termination of the public adjuster's
license by the Director?
(A. Advancing funds to an insured while waiting for the claim to be resolved
(B. Charging more than 25% commission
(C. Soliciting more than three homeowner's on the same day
(D. Avoiding certain counties during solicitations - Correct answer-(A. Advancing
funds to an insured while waiting for the claim to be resolved
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