NM ADJUSTER FINAL SCRIPT 2026
QUESTIONS AND ANSWERS GRADED A+
◉Reservation of Rights letter is sent by: Answer: the insurer to the
claimant.
◉In a third-party claim, the injured person has a duty to: Answer:
authorize the insurer to examine her medical records.
◉All of the insurance professionals below are in danger of having
their licenses suspended or revoked, except: Answer: Arlene, who
received a $175 traffic ticket after running a stop sign.
◉A policyholder who does not currently have Comprehensive
Coverage, but would like to add it to a newly purchased vehicle, must
notify the insurer within: Answer: 4 days
◉Cheney owns a construction company in New Mexico. How many
employees does Cheney have to have in order to be required by law
to purchase workers' compensation coverage for them? Answer: 1
, ◉While reviewing a homeowners policy, you may find all of the
following listed as an insured's duty after a loss, EXCEPT: Answer:
provide the insurer with a loss estimate from an appraiser.
◉Which of the following is NOT an endorsement commonly added
to a Dwelling Policy? Answer: Annual Depreciation
◉Lawrence is 24, but he gives his age as 26 on his car insurance
application because he hopes this will get him a better rate.
Lawrence's actions could best be described as Answer:
misrepresentation.
◉Simon just bought his first home-a cheap fixer-upper in a town
where average snowfall exceeds 80 inches per year. It may be an old
house in a run-down neighborhood, but he still wants to protect his
initial investment. What is the cheapest policy option that would
protect Simon's financial interest in his home, even in the brutal
winters? Answer: HO-2
◉For the purposes of workers' compensation insurance, an
employee's Average Weekly Wage is determined by averaging the
employee's pay in the weeks leading up to the injury. Answer: 26
◉Which of the following situations does NOT involve
misrepresentation? Answer: Atticus manages an insurance agency
QUESTIONS AND ANSWERS GRADED A+
◉Reservation of Rights letter is sent by: Answer: the insurer to the
claimant.
◉In a third-party claim, the injured person has a duty to: Answer:
authorize the insurer to examine her medical records.
◉All of the insurance professionals below are in danger of having
their licenses suspended or revoked, except: Answer: Arlene, who
received a $175 traffic ticket after running a stop sign.
◉A policyholder who does not currently have Comprehensive
Coverage, but would like to add it to a newly purchased vehicle, must
notify the insurer within: Answer: 4 days
◉Cheney owns a construction company in New Mexico. How many
employees does Cheney have to have in order to be required by law
to purchase workers' compensation coverage for them? Answer: 1
, ◉While reviewing a homeowners policy, you may find all of the
following listed as an insured's duty after a loss, EXCEPT: Answer:
provide the insurer with a loss estimate from an appraiser.
◉Which of the following is NOT an endorsement commonly added
to a Dwelling Policy? Answer: Annual Depreciation
◉Lawrence is 24, but he gives his age as 26 on his car insurance
application because he hopes this will get him a better rate.
Lawrence's actions could best be described as Answer:
misrepresentation.
◉Simon just bought his first home-a cheap fixer-upper in a town
where average snowfall exceeds 80 inches per year. It may be an old
house in a run-down neighborhood, but he still wants to protect his
initial investment. What is the cheapest policy option that would
protect Simon's financial interest in his home, even in the brutal
winters? Answer: HO-2
◉For the purposes of workers' compensation insurance, an
employee's Average Weekly Wage is determined by averaging the
employee's pay in the weeks leading up to the injury. Answer: 26
◉Which of the following situations does NOT involve
misrepresentation? Answer: Atticus manages an insurance agency
