RHODE ISLAND ADJUSTER'S
PRACTICE EXAMINATION 2026
QUESTIONS WITH ANSWERS GRADED A+
◍ A reservation of rights.
Answer: What is the main difference between a non-waiver agreement and a
reservation of rights?
◍ Policy with least coverage for snow and ice roof collapse.
Answer: HO2
◍ Rhode Island negligence law.
Answer: Comparative negligence (pure)
◍ Liability Without Negligence.
Answer: Strict liability
◍ Fair market value.
Answer: The _______________ is defined as the retail value of a motor
vehicle as set forth in a current edition of a nationally recognized
compilation of retail values commonly used by the automotive industry.
◍ 25.
Answer: How many named perils are there on a HO policy?
◍ 16.
Answer: How many named perils are there on a HO policy?
◍ Disclosure Violation Act.
Answer: Insurance Regulation Reform Act, Unfair Claims Practice Act,
Common Insurance Commissioner's Reform Act
◍ Best coverage for a 25-foot sailboat.
Answer: Yacht policy
, ◍ Personal Auto Policy Agreement.
Answer: The insurer agrees to insure you in return for payment of the
Premium and in accordance to all the terms of the policy.
◍ Personal articles floater coverage.
Answer: True
◍ Insurer's right to subrogate.
Answer: The responsible party
◍ HO-4 policy coverage exclusion.
Answer: Gallon of milk
◍ Coverage C.
Answer: Under the personal auto policy, which of the following provides
coverage for damage to your auto?
◍ Uninsured motorist property damage (UMPD) coverage.
Answer: Yes, the deductible applies to this loss.
◍ Coverage B.
Answer: Under the personal auto policy, which of the following provides
coverage for damage to your auto?
◍ Definition of civil wrong.
Answer: A tort
◍ Hail, water, or flood.
Answer: If an insured has a personal auto policy and their vehicle is
damaged in a hurricane, a _______________ claim would be opened.
◍ c) noted in workers compensation losses only.
Answer: Strict liability is:
◍ Open perils.
Answer: Perils that are NOT named on the HO policy are called:
◍ Non-waiver agreement.
Answer: An agreement signed by the insured and insurer to maintain
PRACTICE EXAMINATION 2026
QUESTIONS WITH ANSWERS GRADED A+
◍ A reservation of rights.
Answer: What is the main difference between a non-waiver agreement and a
reservation of rights?
◍ Policy with least coverage for snow and ice roof collapse.
Answer: HO2
◍ Rhode Island negligence law.
Answer: Comparative negligence (pure)
◍ Liability Without Negligence.
Answer: Strict liability
◍ Fair market value.
Answer: The _______________ is defined as the retail value of a motor
vehicle as set forth in a current edition of a nationally recognized
compilation of retail values commonly used by the automotive industry.
◍ 25.
Answer: How many named perils are there on a HO policy?
◍ 16.
Answer: How many named perils are there on a HO policy?
◍ Disclosure Violation Act.
Answer: Insurance Regulation Reform Act, Unfair Claims Practice Act,
Common Insurance Commissioner's Reform Act
◍ Best coverage for a 25-foot sailboat.
Answer: Yacht policy
, ◍ Personal Auto Policy Agreement.
Answer: The insurer agrees to insure you in return for payment of the
Premium and in accordance to all the terms of the policy.
◍ Personal articles floater coverage.
Answer: True
◍ Insurer's right to subrogate.
Answer: The responsible party
◍ HO-4 policy coverage exclusion.
Answer: Gallon of milk
◍ Coverage C.
Answer: Under the personal auto policy, which of the following provides
coverage for damage to your auto?
◍ Uninsured motorist property damage (UMPD) coverage.
Answer: Yes, the deductible applies to this loss.
◍ Coverage B.
Answer: Under the personal auto policy, which of the following provides
coverage for damage to your auto?
◍ Definition of civil wrong.
Answer: A tort
◍ Hail, water, or flood.
Answer: If an insured has a personal auto policy and their vehicle is
damaged in a hurricane, a _______________ claim would be opened.
◍ c) noted in workers compensation losses only.
Answer: Strict liability is:
◍ Open perils.
Answer: Perils that are NOT named on the HO policy are called:
◍ Non-waiver agreement.
Answer: An agreement signed by the insured and insurer to maintain
