Claim Adjuster Test 2025 Questions and
Answers
Maybe be awarded to punish the defendant - --Answer --Punitive Damages
Intangible such as pain suffering and mental anguish - --Answer --General
Damages
Pays for medical lost wages and other losses that sire from injury. - --
Answer --Special Damages
The plaintiff is the party bringing the claim, has to provide the evidence. - --
Answer --Burden of proof
Third person responsible for negligence acts of another - --Answer --
Imputed or Vacarious Negligence
failure to exercise the degree of care a reasonable person would use to protect
other from risk. - --Answer --Negligence
Its a civil wrong arising from a contract for which money damages may be had - --
Answer --Tort
....COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 1
,person seeking money for damages or other legal relief - --Answer --Civil
Liability
That the Insure should not profit from the payment made for loss. Ex: Cannot sue
yourself. - --Answer --Principles of Indemnity
Economic loss that results from direct loss.
Ex: While out of business due to direct loss. - --Answer --Indirect Loss
Physical harm or damage to tangible property - --Answer --Direct Loss
Increases the loss of peril. Ex: broken fire alarm - --Answer --Hazard
Is the event that might cause loss. Ex: windstorm and earthquake. - --
Answer --Peril
Defined land an anything permanently to the land - --Answer --Real
Property
Proportion that limits bears to all limits that apply to the loss. - --Answer --
Pro rata policies
Pay equal pays share of loss but will not pay more than its policy limits - --
Answer --Equal share policies
....COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 2
,Will not pay until all other policies that apply are exhausted - --Answer --
Excess policy
Payment by the insurance company is made to the insured or others with an
interest similar to the insured - --Answer --Property Insurance
Temporary insurance is put into effect through - --Answer --Binders
include all of the usual terms, conditions, and exclusions contained in a policy and
no notice of cancellation or non-renewal is required unless the binder has a term
oh how many days? - --Answer --60 days
How many days to cancel a binder? - --Answer --5 days
Payment will be made to the third-party or damage by insured - --Answer --
Liability Insurance
Evidence offered by the insured to support the claim for damages. - --
Answer --Proof of Loss
Duties that must be met following a loss - --Answer --Conditional Contracts
4 fundamental parts of liability and Property - --Answer --1. Declaration
2. Insuring Agreement
3. Exclusions
....COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 3
, 4. Conditions
Elements of a contract. - --Answer --1. Agreement between the parties
2. Parties must agree to the terms
3. Sufficient consideration or value
4. Parties must have legal capacity
5. Contract must be legal
1. A property adjuster receives notice of a homeowner's claim on March 1, 2015.
Notice that the claim is covered, denied or being investigated must be provided
within:
a. 3 days
b. 10 days
c. 14 days
d. 30 days - --Answer --D.30 days
2. An insurer gives which of the following as Consideration for an insurance
policy?
a. The Premium
b. A Binder
c. A Promise
....COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 4
Answers
Maybe be awarded to punish the defendant - --Answer --Punitive Damages
Intangible such as pain suffering and mental anguish - --Answer --General
Damages
Pays for medical lost wages and other losses that sire from injury. - --
Answer --Special Damages
The plaintiff is the party bringing the claim, has to provide the evidence. - --
Answer --Burden of proof
Third person responsible for negligence acts of another - --Answer --
Imputed or Vacarious Negligence
failure to exercise the degree of care a reasonable person would use to protect
other from risk. - --Answer --Negligence
Its a civil wrong arising from a contract for which money damages may be had - --
Answer --Tort
....COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 1
,person seeking money for damages or other legal relief - --Answer --Civil
Liability
That the Insure should not profit from the payment made for loss. Ex: Cannot sue
yourself. - --Answer --Principles of Indemnity
Economic loss that results from direct loss.
Ex: While out of business due to direct loss. - --Answer --Indirect Loss
Physical harm or damage to tangible property - --Answer --Direct Loss
Increases the loss of peril. Ex: broken fire alarm - --Answer --Hazard
Is the event that might cause loss. Ex: windstorm and earthquake. - --
Answer --Peril
Defined land an anything permanently to the land - --Answer --Real
Property
Proportion that limits bears to all limits that apply to the loss. - --Answer --
Pro rata policies
Pay equal pays share of loss but will not pay more than its policy limits - --
Answer --Equal share policies
....COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 2
,Will not pay until all other policies that apply are exhausted - --Answer --
Excess policy
Payment by the insurance company is made to the insured or others with an
interest similar to the insured - --Answer --Property Insurance
Temporary insurance is put into effect through - --Answer --Binders
include all of the usual terms, conditions, and exclusions contained in a policy and
no notice of cancellation or non-renewal is required unless the binder has a term
oh how many days? - --Answer --60 days
How many days to cancel a binder? - --Answer --5 days
Payment will be made to the third-party or damage by insured - --Answer --
Liability Insurance
Evidence offered by the insured to support the claim for damages. - --
Answer --Proof of Loss
Duties that must be met following a loss - --Answer --Conditional Contracts
4 fundamental parts of liability and Property - --Answer --1. Declaration
2. Insuring Agreement
3. Exclusions
....COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 3
, 4. Conditions
Elements of a contract. - --Answer --1. Agreement between the parties
2. Parties must agree to the terms
3. Sufficient consideration or value
4. Parties must have legal capacity
5. Contract must be legal
1. A property adjuster receives notice of a homeowner's claim on March 1, 2015.
Notice that the claim is covered, denied or being investigated must be provided
within:
a. 3 days
b. 10 days
c. 14 days
d. 30 days - --Answer --D.30 days
2. An insurer gives which of the following as Consideration for an insurance
policy?
a. The Premium
b. A Binder
c. A Promise
....COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 4
