Georgia Insurance Adjuster Exam 2025 | Complete
Questions and Correct Answers | Verified Answers
| Complete Exam
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
Jane has a $150,000 homeowners policy with a 3% percentage deductible. One
night, an oven fire destroys her kitchen, causing $50,000 in damage. How much of
the damage falls under Jane's responsibility? ---------CORRECT ANSWER---------------
--$4,500
(That is incorrect. Since Jane has a percentage deductible, she is responsible for
the first 3% of damages relative to the amount of insurance she carries
($150,000 x 3% = $4,500). Therefore, Jane is responsible for the first $4,500 in
damages or repairs to her property.)
Roxanne runs a red light and totals Ben's car in a t-bone collision. Roxanne's auto
policy includes liability coverage with limits of 50/100/25 and Collision coverage
with a deductible of $500. Ben's car is worth $1,800 at the time of the accident,
and he files a claim against Roxanne's liability insurance. Bearing in mind that
liability coverage doesn't have a deductible, how much will Roxanne have to pay
,out-of-pocket for the damages she caused? ---------CORRECT ANSWER----------------
-$0
(That is incorrect. Since Roxanne caused the damage, Ben would file a third-
party claim against Roxanne's auto liability coverage. There is no deductible, so
Roxanne would not have to pay anything)
Jared hopes to purchase a new insurance policy for his car, but he has an
extremely poor driving record. The insurance company decides to issue Jared an
insurance policy, but charges him a premium much higher than the average
driver. The insurance company is practicing: ---------CORRECT ANSWER----------------
-risk reduction
(The insurance company has mitigated its risk by charging Jared higher
premiums. The company is managing its risk by practicing risk reduction.)
While a claim remains open, an insurer may require the adjuster to submit an
interim report: ---------CORRECT ANSWER-----------------at regular set intervals,
which lists any new or important information about the claim.
(An interim, or status, report is meant to update the insurer on a claim when a
certain amount of time has passed without a resolution. Most insurers require
an interim report every 30 days that a claim remains open, although some
require it as often as every 15 days.)
, A staff adjuster is a: ---------CORRECT ANSWER-----------------salaried employee
working for only one insurer.
The job of the adjuster can best be described as: ---------CORRECT ANSWER----------
-------comparing claimant's losses to promises made in an insurance policy.
(Adjusting refers to the process of comparing the losses of a claimant to the
promises made by an insurer in an insurance policy.)
An adjuster has a duty to provide which of the following to the claimant? ---------
CORRECT ANSWER-----------------An open line of communication
As a staff adjuster, one of Abigail's most important responsibilities is reporting to
the principal. This would include all of the following except: ---------CORRECT
ANSWER-----------------keeping the claimant up-to-date on the progress and status
of the claim.
Adjusters are required to give claimants: ---------CORRECT ANSWER-----------------
their business address and phone number.
Adam is shopping for a car in a local automobile dealership. While visiting the
showroom, he trips over a rug that has folded over and breaks his arm in the fall.
Questions and Correct Answers | Verified Answers
| Complete Exam
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
Jane has a $150,000 homeowners policy with a 3% percentage deductible. One
night, an oven fire destroys her kitchen, causing $50,000 in damage. How much of
the damage falls under Jane's responsibility? ---------CORRECT ANSWER---------------
--$4,500
(That is incorrect. Since Jane has a percentage deductible, she is responsible for
the first 3% of damages relative to the amount of insurance she carries
($150,000 x 3% = $4,500). Therefore, Jane is responsible for the first $4,500 in
damages or repairs to her property.)
Roxanne runs a red light and totals Ben's car in a t-bone collision. Roxanne's auto
policy includes liability coverage with limits of 50/100/25 and Collision coverage
with a deductible of $500. Ben's car is worth $1,800 at the time of the accident,
and he files a claim against Roxanne's liability insurance. Bearing in mind that
liability coverage doesn't have a deductible, how much will Roxanne have to pay
,out-of-pocket for the damages she caused? ---------CORRECT ANSWER----------------
-$0
(That is incorrect. Since Roxanne caused the damage, Ben would file a third-
party claim against Roxanne's auto liability coverage. There is no deductible, so
Roxanne would not have to pay anything)
Jared hopes to purchase a new insurance policy for his car, but he has an
extremely poor driving record. The insurance company decides to issue Jared an
insurance policy, but charges him a premium much higher than the average
driver. The insurance company is practicing: ---------CORRECT ANSWER----------------
-risk reduction
(The insurance company has mitigated its risk by charging Jared higher
premiums. The company is managing its risk by practicing risk reduction.)
While a claim remains open, an insurer may require the adjuster to submit an
interim report: ---------CORRECT ANSWER-----------------at regular set intervals,
which lists any new or important information about the claim.
(An interim, or status, report is meant to update the insurer on a claim when a
certain amount of time has passed without a resolution. Most insurers require
an interim report every 30 days that a claim remains open, although some
require it as often as every 15 days.)
, A staff adjuster is a: ---------CORRECT ANSWER-----------------salaried employee
working for only one insurer.
The job of the adjuster can best be described as: ---------CORRECT ANSWER----------
-------comparing claimant's losses to promises made in an insurance policy.
(Adjusting refers to the process of comparing the losses of a claimant to the
promises made by an insurer in an insurance policy.)
An adjuster has a duty to provide which of the following to the claimant? ---------
CORRECT ANSWER-----------------An open line of communication
As a staff adjuster, one of Abigail's most important responsibilities is reporting to
the principal. This would include all of the following except: ---------CORRECT
ANSWER-----------------keeping the claimant up-to-date on the progress and status
of the claim.
Adjusters are required to give claimants: ---------CORRECT ANSWER-----------------
their business address and phone number.
Adam is shopping for a car in a local automobile dealership. While visiting the
showroom, he trips over a rug that has folded over and breaks his arm in the fall.
