Connecticut All-Lines Except Workers Comp Adjuster
Licensing Course__ Questions Answered Correctly –
Expert Verified___Latest Version 2025
Each of the following people would be an insured for auto medical payments coverage
under Bob Miller's business auto policy, EXCEPT
a. Bob Miller (the named insured), struck by an auto while walking across the street. The
auto was not a covered auto.
b. Mel Carpenter, Bob's neighbor, occupying a covered auto.
c. Frank Thomas, Bob's 17-year-old son, occupying an auto that is not a covered auto.
Frank lives with his mother, who is divorced from Bob.
d. Mary Thomas, Bob's ex-wife, occupying a covered auto. ✅ (Correct Answer) - ✅ C;
Frank Thomas, Bob's 17-year-old son, occupying an auto that is not a covered auto. Frank
lives with his mother, who is divorced from Bob.
An "open-ended" release pertains to:
a. Any and all releases.
b. A release involving an attorney.
c. A conditional or partial release.
d. A release where expenses have been paid ✅ (Correct Answer) - ✅ C; A conditional
or partial release
Which of the following is a violation of the unfair claims practice laws?
a. Knowingly misrepresenting to insureds or third-party claimants pertinent facts or
policy provisions relating to coverages at issue, or providing misleading information with
respect to the coverages
,b. Failing to acknowledge with reasonable promptness pertinent communications with
respect to a claim
c. Failing to adopt and implement reasonable standards for the prompt investigation and
settlement of claims
d. All are violations ✅ (Correct Answer) - ✅ D; All are violations
After an auto collision loss an insurance company may elect to pay the insured's claim
and take possession of the vehicle. This practice is referred to as:
a. Salvage
b. Subrogation
c. Warranty
d. Deductible ✅ (Correct Answer) - ✅ A; Salvage
Which of the following would NOT be found in the conditions section of an insurance
policy?
a. Subrogation rights
b. Duties of the Insured
c. Insurance premium
d. Mortgage clause ✅ (Correct Answer) - ✅ C; Insurance Premium
What does the term "bailment" mean?
a. Transfer of possession
b. Transfer of possession and temporary title
c. Transfer of title
d. Temporary release from jail ✅ (Correct Answer) - ✅ A; Transfer of possession
,Which of the following coverages is included in a personal auto policy without having to
issue an endorsement?
a. Transportation Expenses
b. Towing and Labor Costs
c. Misc. Type Vehicles
d. Named Nonowner ✅ (Correct Answer) - ✅ A; Transportation Expenses
A fidelity bond is designed to protect the employer against:
a. Damage to property on which he is working
b. Slander or libel
c. Personal injury
d. Theft by an employee ✅ (Correct Answer) - ✅ D; Theft by an employee
Which of the following losses would be covered under garagekeeper's legal liability
coverage?
a. Theft of a customer's AM/FM stereo radio permanently installed.
b. Theft of equipment from a covered auto. The theft was committed by a garage
employee.
c. Faulty work performed by the named insured.
d. Loss to CD's from a covered auto. ✅ (Correct Answer) - ✅ A; Theft of a customer's
AM/FM stereo radio permanently installed
Bob and Pete's Used Cars has purchased a garage policy with dealers physical damage on
the cars owned by the dealership at its location. Pete goes to an auto auction 150 miles
away, purchases vehicles and drives them back to the dealership. Which endorsement, if
any, is necessary to cover this exposure?
, a. Drive Other Car Coverage
b. Hired auto specified as Covered Autos You Own
c. Non Owned Auto Coverage
d. Dealers Drive Away Collision ✅ (Correct Answer) - ✅ D; Dealers Drive Away
Collision
Which of the following can be categorized as liability doctrines?
a. Strict
b. Vicarious
c. Res Ipsa Loquitur
d. All are correct ✅ (Correct Answer) - ✅ D; All responses are correct
The newer CGL form now includes as insured's which of the following?
a. Volunteer Employees
b. People not employed by the insured who help to load and unload trucks by hand
c. Employees of Sub-contractors
d. Owners of boats rented by the insured for business use ✅ (Correct Answer) - ✅ A;
Volunteer Employees
A tort is:
I. A civil wrong.
II. A legal obligation.
a. I only
Licensing Course__ Questions Answered Correctly –
Expert Verified___Latest Version 2025
Each of the following people would be an insured for auto medical payments coverage
under Bob Miller's business auto policy, EXCEPT
a. Bob Miller (the named insured), struck by an auto while walking across the street. The
auto was not a covered auto.
b. Mel Carpenter, Bob's neighbor, occupying a covered auto.
c. Frank Thomas, Bob's 17-year-old son, occupying an auto that is not a covered auto.
Frank lives with his mother, who is divorced from Bob.
d. Mary Thomas, Bob's ex-wife, occupying a covered auto. ✅ (Correct Answer) - ✅ C;
Frank Thomas, Bob's 17-year-old son, occupying an auto that is not a covered auto. Frank
lives with his mother, who is divorced from Bob.
An "open-ended" release pertains to:
a. Any and all releases.
b. A release involving an attorney.
c. A conditional or partial release.
d. A release where expenses have been paid ✅ (Correct Answer) - ✅ C; A conditional
or partial release
Which of the following is a violation of the unfair claims practice laws?
a. Knowingly misrepresenting to insureds or third-party claimants pertinent facts or
policy provisions relating to coverages at issue, or providing misleading information with
respect to the coverages
,b. Failing to acknowledge with reasonable promptness pertinent communications with
respect to a claim
c. Failing to adopt and implement reasonable standards for the prompt investigation and
settlement of claims
d. All are violations ✅ (Correct Answer) - ✅ D; All are violations
After an auto collision loss an insurance company may elect to pay the insured's claim
and take possession of the vehicle. This practice is referred to as:
a. Salvage
b. Subrogation
c. Warranty
d. Deductible ✅ (Correct Answer) - ✅ A; Salvage
Which of the following would NOT be found in the conditions section of an insurance
policy?
a. Subrogation rights
b. Duties of the Insured
c. Insurance premium
d. Mortgage clause ✅ (Correct Answer) - ✅ C; Insurance Premium
What does the term "bailment" mean?
a. Transfer of possession
b. Transfer of possession and temporary title
c. Transfer of title
d. Temporary release from jail ✅ (Correct Answer) - ✅ A; Transfer of possession
,Which of the following coverages is included in a personal auto policy without having to
issue an endorsement?
a. Transportation Expenses
b. Towing and Labor Costs
c. Misc. Type Vehicles
d. Named Nonowner ✅ (Correct Answer) - ✅ A; Transportation Expenses
A fidelity bond is designed to protect the employer against:
a. Damage to property on which he is working
b. Slander or libel
c. Personal injury
d. Theft by an employee ✅ (Correct Answer) - ✅ D; Theft by an employee
Which of the following losses would be covered under garagekeeper's legal liability
coverage?
a. Theft of a customer's AM/FM stereo radio permanently installed.
b. Theft of equipment from a covered auto. The theft was committed by a garage
employee.
c. Faulty work performed by the named insured.
d. Loss to CD's from a covered auto. ✅ (Correct Answer) - ✅ A; Theft of a customer's
AM/FM stereo radio permanently installed
Bob and Pete's Used Cars has purchased a garage policy with dealers physical damage on
the cars owned by the dealership at its location. Pete goes to an auto auction 150 miles
away, purchases vehicles and drives them back to the dealership. Which endorsement, if
any, is necessary to cover this exposure?
, a. Drive Other Car Coverage
b. Hired auto specified as Covered Autos You Own
c. Non Owned Auto Coverage
d. Dealers Drive Away Collision ✅ (Correct Answer) - ✅ D; Dealers Drive Away
Collision
Which of the following can be categorized as liability doctrines?
a. Strict
b. Vicarious
c. Res Ipsa Loquitur
d. All are correct ✅ (Correct Answer) - ✅ D; All responses are correct
The newer CGL form now includes as insured's which of the following?
a. Volunteer Employees
b. People not employed by the insured who help to load and unload trucks by hand
c. Employees of Sub-contractors
d. Owners of boats rented by the insured for business use ✅ (Correct Answer) - ✅ A;
Volunteer Employees
A tort is:
I. A civil wrong.
II. A legal obligation.
a. I only
