CLAIMS ADJUSTER FINAL (MULTIPLE CHOICE QUESTIONS) QUESTIONS AND CORRECT ANSWERS

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CLAIMS ADJUSTER FINAL (MULTIPLE CHOICE QUESTIONS) QUESTIONS AND CORRECT ANSWERS

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Institution Adjuster

Course Adjuster

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CLAIMS ADJUSTER FINAL (MULTIPLE CHOICE QUESTIONS) QUESTIONS AND CORRECT ANSWERS

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CLAIMS ADJUSTER FINAL (MULTIPLE
CHOICE QUESTIONS) QUESTIONS AND
CORRECT ANSWERS

AnA2adjusterA2isA2aA2fiduciaryA2agentA2withA2aA2responsibilityA2ofA2loyaltyA2toA2theA2interest
A2ofA2-A2Ans--TheA2insuredA2andA2insurer

AnA2insurerA2givesA2whichA2ofA2theA2followingA2asA2ConsiderationA2forA2anA2insuranceA2po
licy?A2-A2Ans--AA2Promise

TheA2interestA2ofA2theA2insuredA2andA2allA2otherA2personsA2inA2theA2propertyA2involvedA2inA
2aA2claimA2is
foundA2inA2-A2Ans--AA2ProofA2ofA2Loss

AnA2insuredA2rear-
endsA2anotherA2driver'sA2vehicle.A2TheA2autoA2policyA2thatA2paysA2damagesA2to
repairA2theA2damagedA2vehicleA2isA2aA2_______?A2-A2Ans--LiabilityA2Policy

YourA2insuranceA2companyA2wroteA2anA2autoA2insuranceA2binderA2forA2anA2ownerA2whoA2
saidA2thatA2he
didA2notA2haveA2anyA2priorA2accidents.A2ImmediatelyA2thereafterA2itA2wasA2discoveredA2th
atA2heA2didA2not
tellA2theA2truth.A2TheA2companyA2nowA2wantsA2toA2cancelA2theA2binderA2asA2quicklyA2asA2p
ossible.A2What
isA2true?A2-A2Ans--5A2daysA2noticeA2required

ForA2insuranceA2toA2payA2damages,A2anA2insurableA2interestA2mustA2exist:A2-A2Ans--
WhenA2theA2lossA2takesA2place

TextingA2whileA2drivingA2isA2bestA2describedA2asA2a:A2-A2Ans--Hazard

AA2coveredA2lossA2isA2$90,000.A2PolicyA2AA2hasA2aA2limitA2ofA2$100,000.A2PolicyA2BA2hasA2
aA2limitA2of
$200,000.A2BothA2policiesA2areA2pro-
rataA2policies.A2HowA2muchA2willA2policyA2BA2payA2forA2thisA2loss?A2-A2Ans--$60,000

IA2soldA2myA2homeA2yesterday,A2signedA2aA2deedA2andA2transferredA2title.A2LastA2nightA2th
ereA2wasA2a
houseA2fire.A2IA2hadA2notA2yetA2cancelledA2myA2homeowner'sA2insurance.A2TheA2purchase
rA2alsoA2hadA2a
homeowner'sA2policy.A2WhichA2policyA2shouldA2payA2toA2payA2theA2claim?A2-A2Ans--
Purchaser'sA2policy

, GivingA2promptA2noticeA2ofA2lossA2isA2bestA2describedA2asA2aA2policy:A2-A2Ans--Condition

IfA2thereA2isA2aA2totalA2lossA2byA2anA2insuredA2perilA2toA2aA2FLA2building,A2theA2insurerA2mu
stA2pay:A2-A2Ans--ActualA2CashA2Value

AA2LossA2PayableA2ClauseA2refersA2toA2-A2Ans--LendersA2interestA2inA2personalA2property

MyA2coinA2collectionA2wasA2appraisedA2andA2myA2insuranceA2companyA2specificallyA2insu
redA2the
valuedA2ofA2thatA2collection.A2ThatA2isA2anA2exampleA2of:A2-A2Ans--AA2ValuedA2Policy

AnA2insuranceA2contractA2isA2basedA2onA2theA2PrincipleA2of:A2-A2Ans--
UtmostA2GoodA2Faith

TheA2twoA2kindsA2ofA2waiversA2are:A2-A2Ans--expressA2andA2implied

ProximateA2CauseA2isA2theA2unbrokenA2connectionA2betweenA2theA2occurrenceA2andA2__
__A2that
growsA2outA2ofA2theA2occurrence.A2-A2Ans--Damages

WhichA2lossA2settlementA2valuationA2mayA2beA2aA2violationA2ofA2theA2PrincipleA2ofA2Indem
nity?A2-A2Ans--ReplacementA2Cost

IfA2theA2policyA2limitA2isA2$60,000;A280%A2coinsuranceA2requirement;A2lossA2ofA2$60,000A2
andA2the
valueA2ofA2theA2propertyA2isA2$100,000,A2whatA2lossA2amountA2willA2theA2insurerA2pay?A2-
A2Ans--$45,000

TheA2insuredA2hasA2aA2Homeowner'sA2insuranceA2policyA2withA2aA25%A2HurricaneA2deduc
tible.A2If
aA2hurricaneA2lossA2ofA2$6,000A2occursA2toA2theA2homeA2thatA2isA2valuedA2andA2insuredA2f
orA2$100,000,
howA2muchA2willA2theA2policyA2pay?A2-A2Ans--$1,000

AA2waiverA2isA2definedA2asA2-A2Ans--GivingA2upA2aA2knownA2rightA2voluntarily

AnA2insuredA2signsA2aA2releaseA2toA2settleA2aA2claim.A2InA2theA2eventA2theA2insuredA2disco
versA2injuries
orA2damagesA2thatA2wereA2unknownA2atA2theA2timeA2ofA2settlement,A2whatA2isA2generallyA2
true?A2-A2Ans--ReleaseA2extinguishedA2allA2causesA2ofA2action

WhichA2ofA2theA2followingA2isA2notA2aA2tort:A2-A2Ans--BreachA2ofA2contract

TheA2typeA2ofA2damagesA2thatA2paysA2medicalA2billsA2isA2knownA2as:A2-A2Ans--Special

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