Florida 6-20
Florida 6-20 All Lines Adjuster Test Study
Questions and Answers 2025
A public adjuster represents the interest of:
A. The insurer
B. The Insured
C. The employer
D. The interest of the general public - ANSWERS-B. The insured
Which of the following is the type of report that indicates the initial results of a claim
investigation?
A. Field Report
B. Interim Report
C. Full Report
D. None of the above - ANSWERS-A. Field Report
States have adopted statutes regarding claims adjusting. To avoid unfair treatment to a
claimant the adjuster must not:
A. Promptly investigate the claim.
B. Follow the laws regarding the number of days in which to commence an
investigation.
C. Deny the claim until a fair and prompt investigation has commenced.
D. Pay the claim within a reasonable number of days after the final proof of loss has
been
received. - ANSWERS-C. Deny the claim until a fair and prompt investigation has
commenced.
Which of the following is not a claim settlement option?
A. Forcing the insured to sue by offering less than the claim is worth.
B. Repairing property.
C. Replacing with like kind and quality.
D. Replace with new - ANSWERS-A. Forcing the insured to sue by offering less than
the claim is worth.
The giving up of a known right is called:
A. Estoppel
B. Violation of policy conditions
C. Rebating
D. Waiver - ANSWERS-D. Waiver
An innocent party relies on certain statements made by the adjuster and is damaged as
a
result. The guilty party may be legally prohibited from asserting that the fact does not
exist
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,Florida 6-20
because of:
A. Waiver
B. Estoppel
C. Duties of the adjuster
D. Law of contract - ANSWERS-B. Estoppel
Should an insured fail to report a claim in a timely fashion the adjuster will usually:
A. Deny the claim.
B. Send the insured a reservation of rights letter.
C. Cease investigating.
D. Seek the advice of the company's attorney. - ANSWERS-B. Send the insured a
reservation of rights letter.
A company adjuster primarily represents the interests of:
A. The insured.
B. The claimant.
C. The insurer.
D. The public. - ANSWERS-C. The insurer.
An adjuster's license will usually be revoked for which of the following reasons:
A. Denying claims that are not covered.
B. Failing to report a change of address.
C. Having been convicted of a misdemeanor.
D. Having been convicted of a felony. - ANSWERS-D. Having been convicted of a
felony.
The insured has been involved in an automobile accident and has sustained bodily
injuries
and damage to the insured vehicle. The adjuster will usually:
A. Withhold any payment until all the bills have been reviewed for payment.
B. Pay to repair the vehicle and pay the medical bills later.
C. Pay for the repair of the vehicle and require a release for all claims.
D. Pay to repair the damage to the vehicle and obtain a partial release and settle the
medical payments later and then seek a final release. - ANSWERS-D. Pay to repair the
damage to the vehicle and obtain a partial release and settle the
medical payments later and then seek a final release.
Mr. Jones has damaged his vehicle by striking a tree. He can:
A. Take the car to a repair garage recommended by the insurer.
B. Take the car to a garage of his/her choice.
C. Accept the payment based on the adjuster's estimate.
D. All of the above. - ANSWERS-D. All of the above.
In case of a total loss to a vehicle the adjuster will pay the insured/claimant which of the
following?
A. The cost to replace the vehicle with like kind and quality if a current year
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,Florida 6-20
model.
B. Use the most recent publication of an "Official Used Car Guide".
C. If not listed in the "guide", obtain quotations from automobile dealers.
D. All of the above depending on the circumstances. - ANSWERS-D. All of the above
depending on the circumstances.
Which of the following is NOT a claim settlement option for liability claims?
A. Lost wages
B. Excessive amounts claimed
C. Loss of use
D. Disfigurement - ANSWERS-B. Excessive amounts claimed
Which of the following results in immediate payment when the claimant signs a release
relinquishing his or her right to sue?
A. Scheduled Payment Release
B. Full Release Settlement
C. Advanced Payment
D. Structured Settlement - ANSWERS-B. Full Release Settlement
Which of the following relieves the financial burden on the claimant by making certain
payments to the claimant even before the claim can be negotiated?
A. No Release or Walk-Away
B. Rehabilitation
C. Advanced Payment
D. Open-Ended Release - ANSWERS-C. Advanced Payment
Which of the following statements is correct?
I. The Business Auto Policy uses 10 symbols to define covered vehicles
II. Symbols 30 and 31 apply to the Garage Policy.
A. I only.
B. II only.
C. Neither I nor II.
D. Both I and II. - ANSWERS-D. Both I and II.
Which of the following is not a Business Auto endorsement?
A. Drive Other Car.
B. Change Other Driver.
C. Individual Named Insured.
D. Mobile Equipment. - ANSWERS-B. Change Other Driver.
Under the Business Auto Policy, each of the following is true about classification of
"covered autos," except:
A. "Any auto" is the broadest coverage classification.
B. An insured may select different classifications for different coverages.
C. All classes of newly acquired autos are automatically covered.
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, Florida 6-20
D. "Hired autos" includes autos the insured leases, hires, rents or borrows. -
ANSWERS-C. All classes of newly acquired autos are automatically covered.
According to the Business Auto definitions, an "accident":
A. Includes continuous or repeated exposure to the same conditions.
B. Must be sudden and unexpected.
C. Must be unexpected and unpreventable.
D. Is any event that causes injury or damage. - ANSWERS-A. Includes continuous or
repeated exposure to the same conditions.
Joseph Young, who is insured under a Business Auto policy, is involved in an accident.
He and the insurance company disagree on the amount to be paid for the damage to his
car. Under the terms of the policy, which of the following statements is true:
A. Each party engages an appraiser, and the appraisers will select an umpire.
B. Mr. Young must accept the insurance company's estimate.
C. Each party engages an appraiser, and the appraisers will decide the amount.
D. The estimates of both parties will be averaged. - ANSWERS-A. Each party engages
an appraiser, and the appraisers will select an umpire
Under Form MCS-90, a _____ notice to the other party is required for cancellation of
coverage on the part of either the insurer or insured.
A. 10 day
B. 72 hour
C. 14 day
D. 35 day - ANSWERS-D. 35 day
Which of the following is considered a "garage operation"?
I. Ownership, maintenance or use of garage premises.
II. Sale of products or services in connection with garage operations.
III. Ownership or maintenance of covered autos.
IV. Production or support of racing or competitive operations.
A. I and II only.
B. I, II, and III only.
C. I and III only.
D. I, II, III, and IV. - ANSWERS-B. I, II, and III only.
Which of the following would be covered under a Garage Liability Policy?
A. Damage to property the insured is transporting to another location.
B. The use of covered autos leased to another party except as a replacement for a car
under repair.
C. Products and completed operations.
D. Covered autos used in organized racing. - ANSWERS-C. Products and completed
operations.
Which of the following pollution losses would be covered under the Garage Liability
Policy?
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Florida 6-20 All Lines Adjuster Test Study
Questions and Answers 2025
A public adjuster represents the interest of:
A. The insurer
B. The Insured
C. The employer
D. The interest of the general public - ANSWERS-B. The insured
Which of the following is the type of report that indicates the initial results of a claim
investigation?
A. Field Report
B. Interim Report
C. Full Report
D. None of the above - ANSWERS-A. Field Report
States have adopted statutes regarding claims adjusting. To avoid unfair treatment to a
claimant the adjuster must not:
A. Promptly investigate the claim.
B. Follow the laws regarding the number of days in which to commence an
investigation.
C. Deny the claim until a fair and prompt investigation has commenced.
D. Pay the claim within a reasonable number of days after the final proof of loss has
been
received. - ANSWERS-C. Deny the claim until a fair and prompt investigation has
commenced.
Which of the following is not a claim settlement option?
A. Forcing the insured to sue by offering less than the claim is worth.
B. Repairing property.
C. Replacing with like kind and quality.
D. Replace with new - ANSWERS-A. Forcing the insured to sue by offering less than
the claim is worth.
The giving up of a known right is called:
A. Estoppel
B. Violation of policy conditions
C. Rebating
D. Waiver - ANSWERS-D. Waiver
An innocent party relies on certain statements made by the adjuster and is damaged as
a
result. The guilty party may be legally prohibited from asserting that the fact does not
exist
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,Florida 6-20
because of:
A. Waiver
B. Estoppel
C. Duties of the adjuster
D. Law of contract - ANSWERS-B. Estoppel
Should an insured fail to report a claim in a timely fashion the adjuster will usually:
A. Deny the claim.
B. Send the insured a reservation of rights letter.
C. Cease investigating.
D. Seek the advice of the company's attorney. - ANSWERS-B. Send the insured a
reservation of rights letter.
A company adjuster primarily represents the interests of:
A. The insured.
B. The claimant.
C. The insurer.
D. The public. - ANSWERS-C. The insurer.
An adjuster's license will usually be revoked for which of the following reasons:
A. Denying claims that are not covered.
B. Failing to report a change of address.
C. Having been convicted of a misdemeanor.
D. Having been convicted of a felony. - ANSWERS-D. Having been convicted of a
felony.
The insured has been involved in an automobile accident and has sustained bodily
injuries
and damage to the insured vehicle. The adjuster will usually:
A. Withhold any payment until all the bills have been reviewed for payment.
B. Pay to repair the vehicle and pay the medical bills later.
C. Pay for the repair of the vehicle and require a release for all claims.
D. Pay to repair the damage to the vehicle and obtain a partial release and settle the
medical payments later and then seek a final release. - ANSWERS-D. Pay to repair the
damage to the vehicle and obtain a partial release and settle the
medical payments later and then seek a final release.
Mr. Jones has damaged his vehicle by striking a tree. He can:
A. Take the car to a repair garage recommended by the insurer.
B. Take the car to a garage of his/her choice.
C. Accept the payment based on the adjuster's estimate.
D. All of the above. - ANSWERS-D. All of the above.
In case of a total loss to a vehicle the adjuster will pay the insured/claimant which of the
following?
A. The cost to replace the vehicle with like kind and quality if a current year
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,Florida 6-20
model.
B. Use the most recent publication of an "Official Used Car Guide".
C. If not listed in the "guide", obtain quotations from automobile dealers.
D. All of the above depending on the circumstances. - ANSWERS-D. All of the above
depending on the circumstances.
Which of the following is NOT a claim settlement option for liability claims?
A. Lost wages
B. Excessive amounts claimed
C. Loss of use
D. Disfigurement - ANSWERS-B. Excessive amounts claimed
Which of the following results in immediate payment when the claimant signs a release
relinquishing his or her right to sue?
A. Scheduled Payment Release
B. Full Release Settlement
C. Advanced Payment
D. Structured Settlement - ANSWERS-B. Full Release Settlement
Which of the following relieves the financial burden on the claimant by making certain
payments to the claimant even before the claim can be negotiated?
A. No Release or Walk-Away
B. Rehabilitation
C. Advanced Payment
D. Open-Ended Release - ANSWERS-C. Advanced Payment
Which of the following statements is correct?
I. The Business Auto Policy uses 10 symbols to define covered vehicles
II. Symbols 30 and 31 apply to the Garage Policy.
A. I only.
B. II only.
C. Neither I nor II.
D. Both I and II. - ANSWERS-D. Both I and II.
Which of the following is not a Business Auto endorsement?
A. Drive Other Car.
B. Change Other Driver.
C. Individual Named Insured.
D. Mobile Equipment. - ANSWERS-B. Change Other Driver.
Under the Business Auto Policy, each of the following is true about classification of
"covered autos," except:
A. "Any auto" is the broadest coverage classification.
B. An insured may select different classifications for different coverages.
C. All classes of newly acquired autos are automatically covered.
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, Florida 6-20
D. "Hired autos" includes autos the insured leases, hires, rents or borrows. -
ANSWERS-C. All classes of newly acquired autos are automatically covered.
According to the Business Auto definitions, an "accident":
A. Includes continuous or repeated exposure to the same conditions.
B. Must be sudden and unexpected.
C. Must be unexpected and unpreventable.
D. Is any event that causes injury or damage. - ANSWERS-A. Includes continuous or
repeated exposure to the same conditions.
Joseph Young, who is insured under a Business Auto policy, is involved in an accident.
He and the insurance company disagree on the amount to be paid for the damage to his
car. Under the terms of the policy, which of the following statements is true:
A. Each party engages an appraiser, and the appraisers will select an umpire.
B. Mr. Young must accept the insurance company's estimate.
C. Each party engages an appraiser, and the appraisers will decide the amount.
D. The estimates of both parties will be averaged. - ANSWERS-A. Each party engages
an appraiser, and the appraisers will select an umpire
Under Form MCS-90, a _____ notice to the other party is required for cancellation of
coverage on the part of either the insurer or insured.
A. 10 day
B. 72 hour
C. 14 day
D. 35 day - ANSWERS-D. 35 day
Which of the following is considered a "garage operation"?
I. Ownership, maintenance or use of garage premises.
II. Sale of products or services in connection with garage operations.
III. Ownership or maintenance of covered autos.
IV. Production or support of racing or competitive operations.
A. I and II only.
B. I, II, and III only.
C. I and III only.
D. I, II, III, and IV. - ANSWERS-B. I, II, and III only.
Which of the following would be covered under a Garage Liability Policy?
A. Damage to property the insured is transporting to another location.
B. The use of covered autos leased to another party except as a replacement for a car
under repair.
C. Products and completed operations.
D. Covered autos used in organized racing. - ANSWERS-C. Products and completed
operations.
Which of the following pollution losses would be covered under the Garage Liability
Policy?
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