GA Adjuster Exam Review questions and
answers 2025\2026 A+ Grade
In GA, _____insurance cannot be written by a reciprocal type insurer.
- correct answer life
No insurer or licensee doing business in Georgia may pay any commissions or valuable consideration to
any person for services as an agent, subagent, or adjuster unless that person is duly licensed under the
- correct answer Code
Mediation is not _____ on the parties involved, but with arbitration the decision is final and _____.
- correct answer Binding
Standard and Poor's, A.M. Best and Moody's are examples of:
- correct answer Independent Rating Services
What is the application fee for filing to become a self-insurer for workers compensation in Georgia?
- correct answer $500
Insurance adjusters have the "power to bind". Which of the following statements best describes what
this means?
- correct answer The principal is bound to the decisions of the adjuster.
The perils most frequently covered by a Difference in Conditions policy are:
- correct answer Flood and Earthquake
What is the purpose of the Georgia Insurance Guaranty Association?
- correct answer Cover claims of insolvent insurers
Twisting
- correct answer The act of inducing or attempting to induce a policy owner to drop an existing life
, insurance policy and to take another policy that is substantially the same kind by using
misrepresentations or incomplete comparisons of the advantages and disadvantages of the two policies.
Most states have enacted legislation making twisting a crime.
Churning
- correct answer Churning occurs when an insurance agent replaces a policyholder's insurance policy for
another insurance policy, usually without consulting the policyholder and often with no changes to the
coverage itself. Agents who engage in churning do so in order to secure an additional commission for
the new policy they swap in.
Rebating
- correct answer Rebating — a portion of the premium or the agent's/broker's commission on the
premium to the insured or other inducements to place business with a specific insurer. Rebating is illegal
in the majority of states. Insurers must use filed rate credits or have supporting methodology.
Uninsured motorist coverage law in Georgia applies to bodily injury claims sustained by an insured and
caused by an uninsured motorist as defined by the law. UMPD coverage is also included.
- correct answer
In Georgia, the Chief Deputy Commissioner must execute a bond in the amount of:
- correct answer $15,000
Adjusters must maintain record of each investigation or adjustment undertaken, and a statement of any
fee, commission, or other compensation received or to be received on account of the investigation or
adjustment. How long must the records be maintained for examination?
- correct answer 5
The limits of the Employers' Liability section of a standard workers' compensation policy are:
- correct answer Listed on the information page
An insured has purchased BAP physical damage coverage against specified causes of loss. Protection
applies to all of the following perils, EXCEPT:
- correct answer Falling objects
answers 2025\2026 A+ Grade
In GA, _____insurance cannot be written by a reciprocal type insurer.
- correct answer life
No insurer or licensee doing business in Georgia may pay any commissions or valuable consideration to
any person for services as an agent, subagent, or adjuster unless that person is duly licensed under the
- correct answer Code
Mediation is not _____ on the parties involved, but with arbitration the decision is final and _____.
- correct answer Binding
Standard and Poor's, A.M. Best and Moody's are examples of:
- correct answer Independent Rating Services
What is the application fee for filing to become a self-insurer for workers compensation in Georgia?
- correct answer $500
Insurance adjusters have the "power to bind". Which of the following statements best describes what
this means?
- correct answer The principal is bound to the decisions of the adjuster.
The perils most frequently covered by a Difference in Conditions policy are:
- correct answer Flood and Earthquake
What is the purpose of the Georgia Insurance Guaranty Association?
- correct answer Cover claims of insolvent insurers
Twisting
- correct answer The act of inducing or attempting to induce a policy owner to drop an existing life
, insurance policy and to take another policy that is substantially the same kind by using
misrepresentations or incomplete comparisons of the advantages and disadvantages of the two policies.
Most states have enacted legislation making twisting a crime.
Churning
- correct answer Churning occurs when an insurance agent replaces a policyholder's insurance policy for
another insurance policy, usually without consulting the policyholder and often with no changes to the
coverage itself. Agents who engage in churning do so in order to secure an additional commission for
the new policy they swap in.
Rebating
- correct answer Rebating — a portion of the premium or the agent's/broker's commission on the
premium to the insured or other inducements to place business with a specific insurer. Rebating is illegal
in the majority of states. Insurers must use filed rate credits or have supporting methodology.
Uninsured motorist coverage law in Georgia applies to bodily injury claims sustained by an insured and
caused by an uninsured motorist as defined by the law. UMPD coverage is also included.
- correct answer
In Georgia, the Chief Deputy Commissioner must execute a bond in the amount of:
- correct answer $15,000
Adjusters must maintain record of each investigation or adjustment undertaken, and a statement of any
fee, commission, or other compensation received or to be received on account of the investigation or
adjustment. How long must the records be maintained for examination?
- correct answer 5
The limits of the Employers' Liability section of a standard workers' compensation policy are:
- correct answer Listed on the information page
An insured has purchased BAP physical damage coverage against specified causes of loss. Protection
applies to all of the following perils, EXCEPT:
- correct answer Falling objects
