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AIC 302 SIMULATED EXAM||VERIFIED EXAM!!!, MOST
RECENT EXAM 2026 ACTUAL COMPLETE REAL
EXAM QUESTIONS AND CORRECT ANSWERS
(VERIFIED ANSWERS) ALREADY GRADED A+ |
NEWEST EXAM!!!
Claims reps can isolate specific coverage issues that
should be investigated to determine whether exclusions
apply by using a series of yes-or-no questions in the form
of a - Answer-Decision tree.
Claims reps can isolate specific coverage issues that
should be investigated to determine whether exclusions
apply by using a series of yes-or-no questions in the form
of a decision tree.
Caitlin was involved in a multi-car accident on a highway.
The claims representative for her insurance company is
making a case that distracted driving by Mike, one of the
other drivers involved in the accident, was a contributing
cause of the accident. The records indicate that Mike was
using a hands-free device at the time of the accident.
Which one of the following statements is true regarding
the use of a hands-free device while driving? - Answer-
The use of a hands-free device while driving can lead to a
cognitive distraction.
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Sean is an auto liability claims representative. He is
working on a claim involving an insured driver who rear-
ended another vehicle while driving in heavy traffic. No
one was injured, but there was $3,400 in damage to the
other vehicle. Which one of the following statements is
correct regarding this accident? - Answer-All four elements
of negligence exist in this accident. There was a duty
owed to others to operate the vehicle safely, that duty was
breached, and was the proximate cause of the resulting
$3,400 in damages. There is no clear evidence of
negligence per se provided.
Hilltop Auto Dealership (Hilltop) is insured by the Auto
Dealers Coverage Form (ADCF) with a $4 million limit for
physical damage coverage on a nonreporting basis. The
dealership experienced a fire loss that resulted in
$100,000 in damage to the dealer's covered autos. The
actual value of the inventory of covered autos at the time
of the loss was $5 million. How much will Hilltop's ADCF
insurer pay for this covered loss? Disregard any
deductibles that may apply. - Answer-$80,000
Hilltop's insurer will pay $80,000 for this covered loss. The
policy limit was 80% ($4 million/$5 million) of the actual
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value at the time of the loss, so the insurer will only pay
80% of the loss. $100,000 x .80 = $80,000
A technician repairing auto damage must replace a body
panel as well as the running light/turn signal mounted
within the panel. The replacement of the light assembly is
called a(n) - Answer-Included operation.
An included operation is any operation completed in its
entirety while another, concurrent, operation is performed.
One of the primary questions that must be answered in
investigating an emotional injury claim is whether, under
the applicable policy, emotional distress is considered a(n)
- Answer-Bodily injury.
Conor is handling an auto claim involving the death of a
minor child in a state that recognizes the intrinsic value of
children. Conor's proposed settlement amount will include
- Answer-A calculated value of the child's future services to
the parents.
A calculated value of the child's future services to the
parents. Intrinsic value of children is the assumption that
parents invest in children knowing that they will provide for
them when they are older
AIC 302 SIMULATED EXAM||VERIFIED EXAM!!!, MOST
RECENT EXAM 2026 ACTUAL COMPLETE REAL
EXAM QUESTIONS AND CORRECT ANSWERS
(VERIFIED ANSWERS) ALREADY GRADED A+ |
NEWEST EXAM!!!
Claims reps can isolate specific coverage issues that
should be investigated to determine whether exclusions
apply by using a series of yes-or-no questions in the form
of a - Answer-Decision tree.
Claims reps can isolate specific coverage issues that
should be investigated to determine whether exclusions
apply by using a series of yes-or-no questions in the form
of a decision tree.
Caitlin was involved in a multi-car accident on a highway.
The claims representative for her insurance company is
making a case that distracted driving by Mike, one of the
other drivers involved in the accident, was a contributing
cause of the accident. The records indicate that Mike was
using a hands-free device at the time of the accident.
Which one of the following statements is true regarding
the use of a hands-free device while driving? - Answer-
The use of a hands-free device while driving can lead to a
cognitive distraction.
,2|Page
Sean is an auto liability claims representative. He is
working on a claim involving an insured driver who rear-
ended another vehicle while driving in heavy traffic. No
one was injured, but there was $3,400 in damage to the
other vehicle. Which one of the following statements is
correct regarding this accident? - Answer-All four elements
of negligence exist in this accident. There was a duty
owed to others to operate the vehicle safely, that duty was
breached, and was the proximate cause of the resulting
$3,400 in damages. There is no clear evidence of
negligence per se provided.
Hilltop Auto Dealership (Hilltop) is insured by the Auto
Dealers Coverage Form (ADCF) with a $4 million limit for
physical damage coverage on a nonreporting basis. The
dealership experienced a fire loss that resulted in
$100,000 in damage to the dealer's covered autos. The
actual value of the inventory of covered autos at the time
of the loss was $5 million. How much will Hilltop's ADCF
insurer pay for this covered loss? Disregard any
deductibles that may apply. - Answer-$80,000
Hilltop's insurer will pay $80,000 for this covered loss. The
policy limit was 80% ($4 million/$5 million) of the actual
, 3|Page
value at the time of the loss, so the insurer will only pay
80% of the loss. $100,000 x .80 = $80,000
A technician repairing auto damage must replace a body
panel as well as the running light/turn signal mounted
within the panel. The replacement of the light assembly is
called a(n) - Answer-Included operation.
An included operation is any operation completed in its
entirety while another, concurrent, operation is performed.
One of the primary questions that must be answered in
investigating an emotional injury claim is whether, under
the applicable policy, emotional distress is considered a(n)
- Answer-Bodily injury.
Conor is handling an auto claim involving the death of a
minor child in a state that recognizes the intrinsic value of
children. Conor's proposed settlement amount will include
- Answer-A calculated value of the child's future services to
the parents.
A calculated value of the child's future services to the
parents. Intrinsic value of children is the assumption that
parents invest in children knowing that they will provide for
them when they are older
