Adjuster PRO Exam Questions and Answers 2024

Adjuster PRO Exam Questions and Answers 2024 The term "jurisdiction" means: A. The body of law that addresses and provides remedies for any civil wrongdoing performed on another party B. The authority of a court or judge to hear a case and to make a judgment C. The designation of a geographic area over which a particular court has jurisdiction D. When all the facts of a civil case are heard, and a judge makes the final decision about the court case -Answer-B. The authority of a court or judge to hear a case and to make a judgment James and Eric want to play a prank on Bob for Halloween. They dress up like headless horsemen and throw ignited Jack O'Lanterns at his house. Unfortunately, one of the inflamed pumpkins catches the porch on fire, causing $3,500 in damages. Bob doesn't find this tomfoolery very entertaining and sues both James and Eric for the cost of the repairs. In court, James and Eric would be: A. Intentional tort B. A tortfeasor C. A joint tortfeasor D. The plaintiffs -Answer-C. A joint tortfeasor Nick is watching a high-stakes football game at his local sports bar. After the referees make a disputable call, a fight breaks out amid the fans at the bar. Nick eagerly joins the fray and smashed a beer stein over the head of a rival fan, who suffers severe cuts and a concussion as a result. Nick's action might be described as: A. A tortfeasor B. An assumption of risk C. A negligent tort D. An intentional tort -Answer-D. An intentional tort Jim is out turkey hunting on a private ranch when he hears some movement in the brush. Assuming it's a turkey, Jim raises his shotgun and fires. Unfortunately for Jim, he has not taken a turkey, but instead severely injured one of the landowner's calves. The landowner decides to sue Jim for the cost of the calf. In the civil lawsuit that follows, the landowner would be the: A. Joint tortfeasor B. Tortfeasor C. Defendant D. Plaintiff -Answer-D. Plaintiff Sam was tired of the neighbor's trees along the fence line poking through the fence and dropping leaves in his yard, so he reaches across the fence with his pole saw and cut down the neighbor's tree. Sam's neighbor was upset and sued him for the damages. Sam's actions could be classified as: A. A negligent tort B. A tortfeasor C. An intentional tort D. A defendant -Answer-C. An intentional tort Once a claimant files a complaint to the court, the claimant will become the: A. Defendant B. Plaintiff C. Negligent party D. Answering party -Answer-B. Plaintiff Jim is out turkey hunting on a private ranch when he hears some movement in the brush. Assuming it's a turkey, Jim raises his shotgun and fires. Unfortunately for Jim, he has not taken a turkey, but instead severely injured one of the landowner's calves. The landowner decides to sue Jim for the cost of the calf. In the civil lawsuit that follows, Jim would be the: A. Victim B. Plaintiff C. Tortfeasor D. Joint tortfeasor -Answer-C. Tortfeasor A _____ is a law set forth by a governing body such as a state or city. A. Liability law B. Common law C. Complaint law D. Statutory law -Answer-D. Statutory law A reservation of rights letter must include all of the following, EXCEPT: A. A reminder that there will be a default judgement if the policyholder does not respond B. The insurer's name, the policy number, and the event or loss that is being discussed C. An explanation that the policyholder may not receive compensation or may have to defend himself in court D. An explanation of potential consequences and that the policyholder might have to reimburse the insurer -Answer-A. A reminder that there will be a default judgement if the policyholder does not respond When would a default judgment occur? A. When a defendant submits an answer B. When a defendant does not answer a complaint C. When an insurer sends a reservation of rights D. In cases that involve an intentional tort -Answer-B. When a defendant does not answer a complaint 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 -Answer-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 -Answer-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 -Answer-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 co