FLORIDA 6-20 ALL LINES ADJUSTER
TEST EXAM 2025 QUESTIONS AND
ANSWERS
A public adjuster represents the interest of:
A. The insurer
B. The Insured
C. The employer
D. The interest of the general public - ANS 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 - ANS 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.
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C. Deny the claim until a fair and prompt investigation has commenced.
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, D. Pay the claim within a reasonable number of days after the final proof of loss has been
received. - ANS 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 - ANS 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 - ANS 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
because of:
A. Waiver
B. Estoppel
C. Duties of the adjuster
D. Law of contract - ANS B. Estoppel
Should an insured fail to report a claim in a timely fashion the adjuster will usually:
A. Deny the claim.
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B. Send the insured a reservation of rights letter.
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, C. Cease investigating.
D. Seek the advice of the company's attorney. - ANS 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. - ANS 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. - ANS 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. - ANS 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:
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A. Take the car to a repair garage recommended by the insurer.
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, 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. - ANS 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
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. - ANS 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 - ANS 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 - ANS B. Full Release Settlement
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Which of the following relieves the financial burden on the claimant by making certain
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TEST EXAM 2025 QUESTIONS AND
ANSWERS
A public adjuster represents the interest of:
A. The insurer
B. The Insured
C. The employer
D. The interest of the general public - ANS 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 - ANS 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.
1
C. Deny the claim until a fair and prompt investigation has commenced.
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@COPYRIGHT @THEBRIGHT 2025/2026
, D. Pay the claim within a reasonable number of days after the final proof of loss has been
received. - ANS 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 - ANS 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 - ANS 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
because of:
A. Waiver
B. Estoppel
C. Duties of the adjuster
D. Law of contract - ANS B. Estoppel
Should an insured fail to report a claim in a timely fashion the adjuster will usually:
A. Deny the claim.
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B. Send the insured a reservation of rights letter.
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, C. Cease investigating.
D. Seek the advice of the company's attorney. - ANS 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. - ANS 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. - ANS 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. - ANS 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:
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A. Take the car to a repair garage recommended by the insurer.
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, 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. - ANS 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
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. - ANS 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 - ANS 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 - ANS B. Full Release Settlement
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Which of the following relieves the financial burden on the claimant by making certain
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