ADJUSTER PRO EXAMINATIN SCRIPT QUESTIONS WITH
ANSWERS GRADED A+
✔✔A few weeks ago Christopher's garage was destroyed by an out-of-control motorist.
Fortunately, the motorist had sufficient liability insurance to cover the damages.
However, the insurer insists that Christopher's garage is worth far less than the
appraisals he has received from contractors. Christopher and the insurer have gone
back and forth in negotiations for weeks, making little headway. Christopher decides it's
time to:
A. Issue a reservation of rights
B. Issue a judgment
C. Issue a complaint against the policyholder
D. Issue an answer for the policyholder - ✔✔C. Issue a complaint against the
policyholder
✔✔Joan files a lawsuit against Andy because his dog escaped and caused her to fall on
an icy sidewalk. Which of the following statements is FALSE?
A. Andy must submit an answer to avoid a default judgment
B. Andy's insurer is obligated to defend him in court until it proves that there is no
coverage under the policy in question, or until the suit is settled
C. Andy must notify his insurer that he is being taken to court
D. Andy's insurer will send Joan a reservation of rights - ✔✔D. Andy's insurer will send
Joan a reservation of rights
✔✔A few weeks ago, Frank ran a red light and caused an accident. He didn't worry too
much about it since he had liability insurance. But yesterday, Frank received a notice
that he is named as the defendant in a lawsuit involving the accident. Frank's next
course of action is to:
A. Call his lawyer
B. Settle the claim
C. Contact the claimant
D. Immediately notify his insurer - ✔✔D. Immediately notify his insurer
✔✔Sam's neighbor, Lee is suing him for intentionally cutting down Lee's tree and
damaging his gazebo when the tree fell on it. When Sam notifies his insurer of the
lawsuit, the insurer issues Sam _____, which gives him fair warning that he may need
to prepare his own defense if the insurer finds this case is not covered.
A. An answer
B. A complaint
C. A notice of rights
D. A reservation of rights - ✔✔D. A reservation of rights
,✔✔Lee was watching out his kitchen window and saw his neighbor, Sam, reach across
the fence with a pole saw and cut down one of Lee's trees. When the tree fell, it landed
on Lee's gazebo and damaged it. Lee is furious and sues Sam for the damages. When
they go to court, Sam is considered the:
A. Tortfeasor
B. Plaintiff
C. Tort
D. Intentional tort - ✔✔A. Tortfeasor
✔✔A non-waiver agreement:
A. Violates the doctrine of estoppel
B. Informs the policyholder that the insurer has denied coverage
C. Is another term for a "reservation of rights" letter
D. Needs to be signed by the policyholder in order to be valid - ✔✔D. Needs to be
signed by the policyholder in order to be valid
✔✔Tim is the plaintiff in a case involving an auto accident. To recover monies he feels
are due him, Tim produces documents to prove he had to pay over $55,000 in medical
bills. If the court were to award Tim $55,000, the damages would be classified as:
A. Special damages
B. Tort damages
C. General damages
D. Imperative damages - ✔✔A. Special damages
✔✔Mental anguish would be an example of:
A. Punitive damages
B. Special damages
C. General damages
D. Tangible damages - ✔✔C. General damages
✔✔Ricky was watching a baseball game at XYZ Stadium, when the railing on which he
was leaving gave way and he fell two stories. As a result of his fall, Ricky broke his back
and is now paralyzed from the waist down. Ricky sued the owners of XYZ Stadium and
was awarded $150,000 to cover his medical bills and $2.5 million in _____ because of
the permanent nature of his injury.
A. Special damages
B. Tort damages
C. Punitive damages
D. General damages - ✔✔D. General damages
,✔✔Julie is a hand model. A month ago, she got into a car accident. As a result of her
accident, she suffered a small, permanent scar across her hand, causing her to be
unable to perform her job. Julie's damages for the loss of future employment
opportunities would be classified as:
A. Special damages
B. Punitive damages
C. General damages
D. Tangible damages - ✔✔C. General damages
✔✔Lee was watching out his kitchen window and saw his neighbor, Sam, reach across
the fence with a pole saw and cut down one of Lee's trees. When the tree fell, it landed
on Lee's gazebo and damaged it. Lee is furious and sues Sam for the damages. When
they go to court, Lee is considered the:
A. Tortfeasor
B. Tort
C. Plaintiff
D. Defendant - ✔✔C. Plaintiff
✔✔Eileen has been the victim of libel and slander. She decides to take the culprit to
court and is awarded damages. Which type of damages best describes those awarded
to Eileen?
A. No-fault damages
B. Punitive damages
C. Medical payments
D. BAP liability - ✔✔B. Punitive damages
✔✔In tort law, a person or entity that commits an act of wrongdoing or negligence that
leads to damages to a third party is known as a(n):
A. Tort
B. Sacher torte
C. Tortfeasor
D. Intentional tort - ✔✔C. Tortfeasor
✔✔The statute of limitations is intended to:
A. Limit the amount of damages awarded in a lawsuit
B. Restrict the jurisdiction in which a claimant can file a lawsuit
C. Limit the amount of financial damages a claimant can request in a lawsuit - ✔✔B.
Restrict the jurisdiction in which a claimant can file a lawsuit
, ✔✔Jane's husband was killed when an improperly pressurized gas container exploded
as he was transporting it. Jane can collect damages under:
A. Sovereign immunity
B. A statute of limitations
C. The wrongful death act
D. The breach of product warranty - ✔✔C. The wrongful death act
✔✔Chandler is a photographer who is taking pictures at a reenactment of the Battle of
Gettysburg, when Harper (Union Cavalry) crashed through the brush and into Chandler,
breaking both his arms and his camera. In court, Chandler demands payment not only
for his medical bills and broken camera, but for future lost business; now that he is
unable to take pictures for the next 6 months, his clients are moving on and entering
into contracts with other photographers. When Chandler speaks of this total amount of
all damages that have resulted and will result from Harper's mistake, he is referring to:
A. Reservation of rights
B. Diminution of value
C. Joint tortfeasors
D. Punitive damages - ✔✔B. Diminution of value
✔✔Sovereign immunity restricts an individual's ability to file a lawsuit against:
A. An insurance company
B. A defendant
C. The government
D. An individual or organization that deals with dangerous instrumentalities - ✔✔C. The
government
✔✔The city of Hillsdale passed a law dictating that all dogs must wear collars with tags.
This is an example of what kind of law?
A. Unfair
B. Tort
C. Common
D. Statutory - ✔✔D. Statutory
✔✔Jackie files a lawsuit against Ginger after Ginger's three-year-old daughter ruins
Jackie's laptop during a flight. When they go to court, Jackie is the:
A. Tortfeasor
B. Plaintiff
C. Tort
D. Defendant - ✔✔B. Plaintiff
ANSWERS GRADED A+
✔✔A few weeks ago Christopher's garage was destroyed by an out-of-control motorist.
Fortunately, the motorist had sufficient liability insurance to cover the damages.
However, the insurer insists that Christopher's garage is worth far less than the
appraisals he has received from contractors. Christopher and the insurer have gone
back and forth in negotiations for weeks, making little headway. Christopher decides it's
time to:
A. Issue a reservation of rights
B. Issue a judgment
C. Issue a complaint against the policyholder
D. Issue an answer for the policyholder - ✔✔C. Issue a complaint against the
policyholder
✔✔Joan files a lawsuit against Andy because his dog escaped and caused her to fall on
an icy sidewalk. Which of the following statements is FALSE?
A. Andy must submit an answer to avoid a default judgment
B. Andy's insurer is obligated to defend him in court until it proves that there is no
coverage under the policy in question, or until the suit is settled
C. Andy must notify his insurer that he is being taken to court
D. Andy's insurer will send Joan a reservation of rights - ✔✔D. Andy's insurer will send
Joan a reservation of rights
✔✔A few weeks ago, Frank ran a red light and caused an accident. He didn't worry too
much about it since he had liability insurance. But yesterday, Frank received a notice
that he is named as the defendant in a lawsuit involving the accident. Frank's next
course of action is to:
A. Call his lawyer
B. Settle the claim
C. Contact the claimant
D. Immediately notify his insurer - ✔✔D. Immediately notify his insurer
✔✔Sam's neighbor, Lee is suing him for intentionally cutting down Lee's tree and
damaging his gazebo when the tree fell on it. When Sam notifies his insurer of the
lawsuit, the insurer issues Sam _____, which gives him fair warning that he may need
to prepare his own defense if the insurer finds this case is not covered.
A. An answer
B. A complaint
C. A notice of rights
D. A reservation of rights - ✔✔D. A reservation of rights
,✔✔Lee was watching out his kitchen window and saw his neighbor, Sam, reach across
the fence with a pole saw and cut down one of Lee's trees. When the tree fell, it landed
on Lee's gazebo and damaged it. Lee is furious and sues Sam for the damages. When
they go to court, Sam is considered the:
A. Tortfeasor
B. Plaintiff
C. Tort
D. Intentional tort - ✔✔A. Tortfeasor
✔✔A non-waiver agreement:
A. Violates the doctrine of estoppel
B. Informs the policyholder that the insurer has denied coverage
C. Is another term for a "reservation of rights" letter
D. Needs to be signed by the policyholder in order to be valid - ✔✔D. Needs to be
signed by the policyholder in order to be valid
✔✔Tim is the plaintiff in a case involving an auto accident. To recover monies he feels
are due him, Tim produces documents to prove he had to pay over $55,000 in medical
bills. If the court were to award Tim $55,000, the damages would be classified as:
A. Special damages
B. Tort damages
C. General damages
D. Imperative damages - ✔✔A. Special damages
✔✔Mental anguish would be an example of:
A. Punitive damages
B. Special damages
C. General damages
D. Tangible damages - ✔✔C. General damages
✔✔Ricky was watching a baseball game at XYZ Stadium, when the railing on which he
was leaving gave way and he fell two stories. As a result of his fall, Ricky broke his back
and is now paralyzed from the waist down. Ricky sued the owners of XYZ Stadium and
was awarded $150,000 to cover his medical bills and $2.5 million in _____ because of
the permanent nature of his injury.
A. Special damages
B. Tort damages
C. Punitive damages
D. General damages - ✔✔D. General damages
,✔✔Julie is a hand model. A month ago, she got into a car accident. As a result of her
accident, she suffered a small, permanent scar across her hand, causing her to be
unable to perform her job. Julie's damages for the loss of future employment
opportunities would be classified as:
A. Special damages
B. Punitive damages
C. General damages
D. Tangible damages - ✔✔C. General damages
✔✔Lee was watching out his kitchen window and saw his neighbor, Sam, reach across
the fence with a pole saw and cut down one of Lee's trees. When the tree fell, it landed
on Lee's gazebo and damaged it. Lee is furious and sues Sam for the damages. When
they go to court, Lee is considered the:
A. Tortfeasor
B. Tort
C. Plaintiff
D. Defendant - ✔✔C. Plaintiff
✔✔Eileen has been the victim of libel and slander. She decides to take the culprit to
court and is awarded damages. Which type of damages best describes those awarded
to Eileen?
A. No-fault damages
B. Punitive damages
C. Medical payments
D. BAP liability - ✔✔B. Punitive damages
✔✔In tort law, a person or entity that commits an act of wrongdoing or negligence that
leads to damages to a third party is known as a(n):
A. Tort
B. Sacher torte
C. Tortfeasor
D. Intentional tort - ✔✔C. Tortfeasor
✔✔The statute of limitations is intended to:
A. Limit the amount of damages awarded in a lawsuit
B. Restrict the jurisdiction in which a claimant can file a lawsuit
C. Limit the amount of financial damages a claimant can request in a lawsuit - ✔✔B.
Restrict the jurisdiction in which a claimant can file a lawsuit
, ✔✔Jane's husband was killed when an improperly pressurized gas container exploded
as he was transporting it. Jane can collect damages under:
A. Sovereign immunity
B. A statute of limitations
C. The wrongful death act
D. The breach of product warranty - ✔✔C. The wrongful death act
✔✔Chandler is a photographer who is taking pictures at a reenactment of the Battle of
Gettysburg, when Harper (Union Cavalry) crashed through the brush and into Chandler,
breaking both his arms and his camera. In court, Chandler demands payment not only
for his medical bills and broken camera, but for future lost business; now that he is
unable to take pictures for the next 6 months, his clients are moving on and entering
into contracts with other photographers. When Chandler speaks of this total amount of
all damages that have resulted and will result from Harper's mistake, he is referring to:
A. Reservation of rights
B. Diminution of value
C. Joint tortfeasors
D. Punitive damages - ✔✔B. Diminution of value
✔✔Sovereign immunity restricts an individual's ability to file a lawsuit against:
A. An insurance company
B. A defendant
C. The government
D. An individual or organization that deals with dangerous instrumentalities - ✔✔C. The
government
✔✔The city of Hillsdale passed a law dictating that all dogs must wear collars with tags.
This is an example of what kind of law?
A. Unfair
B. Tort
C. Common
D. Statutory - ✔✔D. Statutory
✔✔Jackie files a lawsuit against Ginger after Ginger's three-year-old daughter ruins
Jackie's laptop during a flight. When they go to court, Jackie is the:
A. Tortfeasor
B. Plaintiff
C. Tort
D. Defendant - ✔✔B. Plaintiff
