Georgia Insurance Adjuster Exam Actual Exam
2025 | Complete Questions and Correct
Answers | Verified Answers | Just Released
In which of the following situations would Jason's auto liability insurance be the
primary coverage? ---------CORRECT ANSWER-----------------Andy borrows Jason's
car and accidentally crashes into the local post office.
(Jason's liability coverage is primary when his car is the one that causes the
damages in an accident. This means that it will be primary when Andy borrows
Jason's car and crashes into the post office.)
Martin regularly travels much of the state for work, so his employer has given him
a company car. Which endorsement to Martin's PAP would provide him with
liability coverage for the company car? ---------CORRECT ANSWER-----------------
Extended Non-Owner
(Extended Non-Owner coverage provides liability coverage for a car that the
insured does not own, but uses regularly.)
Which Business Auto Policy endorsement covers employees while using their
personal cars for business purposes? ---------CORRECT ANSWER-----------------
Employee as Additional Insured
,Norris borrows Arnold's truck to pick up some lumber from the hardware store.
On the way to the store, Norris collides with a car, injuring the three people
inside. The driver suffers $15,000 in injuries, one passenger suffers $25,000, and
the other passenger suffers $20,000. Norris has a PAP with liability limits of
50/100/50, and Arnold's policy has liability limits of 25/50/10. How much will the
primary policy pay for the injuries? ---------CORRECT ANSWER-----------------$50,000
A "newly acquired auto" must: ---------CORRECT ANSWER-----------------weigh less
than 10,000 pounds
Kate has a Personal Auto Policy through XYZ Insurance. In which of the following
scenarios would XYZ Insurance NOT be allowed immediately to increase Kate's
policy premium? ---------CORRECT ANSWER-----------------XYZ Insurance expands
coverage for all policies - a change which automatically applies to Kate's policy, as
well.
James is in the consulting business and frequently flies from city to city to meet
clients and help them improve their business practices. Most cities have adequate
public transit, but sometimes it's easier to rent a car. Which coverage symbol
would specifically pertain to rental cars on James' Business Auto Policy? ---------
CORRECT ANSWER-----------------Symbol 8
(Symbol 8 pertains to Hired Autos, meaning automobiles which are leased,
rented, hired, or borrowed from entities other than employees.)
, Walter works for a shipping company, delivering packages and picking up orders.
He lives very close to work and the grocery store is only a few blocks away, so he
can live conveniently without owning a car. However, he would like to have some
Personal Injury Protection, just in case he ever gets injured in an accident. Which
BAP endorsement could his employer use to give him this coverage? ---------
CORRECT ANSWER-----------------Named Individuals Broadened PIP
According to the "Definitions" section of a Personal Auto Policy, which of the
following would NOT qualify as a "family member"? ---------CORRECT ANSWER------
-----------The insured's ex-wife who moved out of the house 4 months ago
Bonnie's PAP includes Comprehensive coverage. Which of the following losses
could this coverage pay for? ---------CORRECT ANSWER-----------------Bonnie's car
catches fire.
(Comprehensive coverage would NOT cover a rollover, a fender bender, or
breakdown due to engine malfunction. It would cover fire damage.)
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:
---------CORRECT ANSWER-----------------a joint tortfeasor
2025 | Complete Questions and Correct
Answers | Verified Answers | Just Released
In which of the following situations would Jason's auto liability insurance be the
primary coverage? ---------CORRECT ANSWER-----------------Andy borrows Jason's
car and accidentally crashes into the local post office.
(Jason's liability coverage is primary when his car is the one that causes the
damages in an accident. This means that it will be primary when Andy borrows
Jason's car and crashes into the post office.)
Martin regularly travels much of the state for work, so his employer has given him
a company car. Which endorsement to Martin's PAP would provide him with
liability coverage for the company car? ---------CORRECT ANSWER-----------------
Extended Non-Owner
(Extended Non-Owner coverage provides liability coverage for a car that the
insured does not own, but uses regularly.)
Which Business Auto Policy endorsement covers employees while using their
personal cars for business purposes? ---------CORRECT ANSWER-----------------
Employee as Additional Insured
,Norris borrows Arnold's truck to pick up some lumber from the hardware store.
On the way to the store, Norris collides with a car, injuring the three people
inside. The driver suffers $15,000 in injuries, one passenger suffers $25,000, and
the other passenger suffers $20,000. Norris has a PAP with liability limits of
50/100/50, and Arnold's policy has liability limits of 25/50/10. How much will the
primary policy pay for the injuries? ---------CORRECT ANSWER-----------------$50,000
A "newly acquired auto" must: ---------CORRECT ANSWER-----------------weigh less
than 10,000 pounds
Kate has a Personal Auto Policy through XYZ Insurance. In which of the following
scenarios would XYZ Insurance NOT be allowed immediately to increase Kate's
policy premium? ---------CORRECT ANSWER-----------------XYZ Insurance expands
coverage for all policies - a change which automatically applies to Kate's policy, as
well.
James is in the consulting business and frequently flies from city to city to meet
clients and help them improve their business practices. Most cities have adequate
public transit, but sometimes it's easier to rent a car. Which coverage symbol
would specifically pertain to rental cars on James' Business Auto Policy? ---------
CORRECT ANSWER-----------------Symbol 8
(Symbol 8 pertains to Hired Autos, meaning automobiles which are leased,
rented, hired, or borrowed from entities other than employees.)
, Walter works for a shipping company, delivering packages and picking up orders.
He lives very close to work and the grocery store is only a few blocks away, so he
can live conveniently without owning a car. However, he would like to have some
Personal Injury Protection, just in case he ever gets injured in an accident. Which
BAP endorsement could his employer use to give him this coverage? ---------
CORRECT ANSWER-----------------Named Individuals Broadened PIP
According to the "Definitions" section of a Personal Auto Policy, which of the
following would NOT qualify as a "family member"? ---------CORRECT ANSWER------
-----------The insured's ex-wife who moved out of the house 4 months ago
Bonnie's PAP includes Comprehensive coverage. Which of the following losses
could this coverage pay for? ---------CORRECT ANSWER-----------------Bonnie's car
catches fire.
(Comprehensive coverage would NOT cover a rollover, a fender bender, or
breakdown due to engine malfunction. It would cover fire damage.)
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:
---------CORRECT ANSWER-----------------a joint tortfeasor
