GA Adjuster Exam Review Questions
and Answers 100% Solved | Graded A+
In GA, _____insurance cannot be written by a reciprocal type insurer. -
✔✔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 -
✔✔Code
Mediation is not _____ on the parties involved, but with arbitration the
decision is final and _____. - ✔✔Binding
Standard and Poor's, A.M. Best and Moody's are examples of: -
✔✔Independent Rating Services
What is the application fee for filing to become a self-insurer for workers
compensation in Georgia? - ✔✔$500
Insurance adjusters have the "power to bind". Which of the following
statements best describes what this means? - ✔✔The principal is bound to
the decisions of the adjuster.
1
©NINJANERD 2025/2026. YEAR PUBLISHED 2025.
,The perils most frequently covered by a Difference in Conditions policy are:
- ✔✔Flood and Earthquake
What is the purpose of the Georgia Insurance Guaranty Association? -
✔✔Cover claims of insolvent insurers
Twisting - ✔✔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 - ✔✔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 - ✔✔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.
2
©NINJANERD 2025/2026. YEAR PUBLISHED 2025.
, 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. - ✔✔
In Georgia, the Chief Deputy Commissioner must execute a bond in the
amount of: - ✔✔$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? -
✔✔5
The limits of the Employers' Liability section of a standard workers'
compensation policy are: - ✔✔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: - ✔✔Falling objects
Which of the following statements is NOT TRUE of the Builders' Risk
coverage form? - ✔✔T
An insured carries a liability policy and an umbrella policy. The verdict in a
personal injury liability suit was higher than the insured's underlying liability
3
©NINJANERD 2025/2026. YEAR PUBLISHED 2025.
and Answers 100% Solved | Graded A+
In GA, _____insurance cannot be written by a reciprocal type insurer. -
✔✔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 -
✔✔Code
Mediation is not _____ on the parties involved, but with arbitration the
decision is final and _____. - ✔✔Binding
Standard and Poor's, A.M. Best and Moody's are examples of: -
✔✔Independent Rating Services
What is the application fee for filing to become a self-insurer for workers
compensation in Georgia? - ✔✔$500
Insurance adjusters have the "power to bind". Which of the following
statements best describes what this means? - ✔✔The principal is bound to
the decisions of the adjuster.
1
©NINJANERD 2025/2026. YEAR PUBLISHED 2025.
,The perils most frequently covered by a Difference in Conditions policy are:
- ✔✔Flood and Earthquake
What is the purpose of the Georgia Insurance Guaranty Association? -
✔✔Cover claims of insolvent insurers
Twisting - ✔✔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 - ✔✔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 - ✔✔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.
2
©NINJANERD 2025/2026. YEAR PUBLISHED 2025.
, 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. - ✔✔
In Georgia, the Chief Deputy Commissioner must execute a bond in the
amount of: - ✔✔$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? -
✔✔5
The limits of the Employers' Liability section of a standard workers'
compensation policy are: - ✔✔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: - ✔✔Falling objects
Which of the following statements is NOT TRUE of the Builders' Risk
coverage form? - ✔✔T
An insured carries a liability policy and an umbrella policy. The verdict in a
personal injury liability suit was higher than the insured's underlying liability
3
©NINJANERD 2025/2026. YEAR PUBLISHED 2025.
