HAWAII ADJUSTERS TOP FORECASTED EXAM 2
PRACTICE TEST 2026 FULL SOLUTIONS
REVIEW PACK
◉ All of the following statements are TRUE of the terms used in the
standard workers' compensation policy, EXCEPT:
Answer: "State" means any state of the United States, the District of
Columbia, and all territories and possessions
◉ Which of the following statements is TRUE regarding coverage
under the NFIP for a building in violation of floodplain management
ordinances?
Answer: Neither the building nor the contents are covered
◉ All of the following statements are TRUE regarding the standard
Businessowners policy coverage extension for "Business Personal
Property Temporarily in Portable Storage Units", EXCEPT:
Answer: The coverage is provided for rented storage units away
from the insured premises
◉ Which of the following is NOT the purpose of managed care
coverage under a health insurance or workers compensation
insurance policy?
,Answer: To lower policy premiums
◉ The NAIC Model Unfair Claim Settlement Practices Act specifies
that when a violation of the Act is suspected, a hearing must be held:
Answer: Not less than 30 days after notice has been provided to
those involved. is correct.
◉ Which of the following property insurance policies is exempt from
the Hawaii standard fire policy regulations?
Answer: Inland marine
◉ The perils insured against by a Homeowners policy are contained
within the:
Answer: Insuring Agreements
◉ An insured who would like to cover an employee while driving
their own car on company time would need which of the following
endorsements?
Answer: Employees as Insureds endorsement
◉ Which of the following statements is TRUE if an insured would
like to include Commercial Inland Marine forms to a Commercial
Package Policy?
,Answer: The insured must select controlled Commercial Inland
Marine forms to add to a Commercial Package Policy
◉ Maggie Mae is a cleaning professional who works for Maid My Day
household cleaning services. Maggie Mae is traveling in her own
vehicle, to a client's home when she strikes and hits a pedestrian.
Maggie Mae is liable as the owner and operator of the vehicle, but
Maid My Day could be held _______ liable, because Maggie Mae was
acting on their behalf.
Answer: Vicariously
◉ When a state requires that all property policies within the state
provide coverage equivalent or greater to the SFP with the EC perils
attached, ______________ policies are exempt from this requirement.
Answer: Inland marine
◉ Which of the following is not an "additional coverage" under
Homeowners Liability -- Section II coverage?
Answer: Damage to "property owned by the insured"
◉ A covered commercial auto requires $700 in repairs because of
damage done by a limb from a dead tree that fell on it. The auto's
BAP physical damage coverage has a $100 comprehensive deducible
and a $250 collision deductible. Assuming that the ACV and
replacement cost of the vehicle is $700, the insurer will pay:
, Answer: $600
◉ An insurance company that permits different rate classifications
for individuals of the same class and same hazard may be guilty of:
Answer: Unfair discrimination
◉ Supplementary payments on the CGL would provide which of the
following?
Answer: Accrued interest on unpaid judgments.
◉ Any group that assists rating organizations or insurers to file their
premium rates with the Hawaii Insurance Department are known as
"advisory organizations". To become an advisory organization in
Hawaii, all of the following must be filed with the Department,
EXCEPT:
Answer: Any information the organization distributes to its
members
◉ Parmelia is covered under two separate standardized Personal
Automobile policies, with Part C limits under both policies set at
$200,000. Parmelia is involved in an accident with an uninsured
motorist and she sustains bodily injury damages for $262,320. How
much will Parmelia receive when she submits a claim for these
damages?
Answer: $200,000
PRACTICE TEST 2026 FULL SOLUTIONS
REVIEW PACK
◉ All of the following statements are TRUE of the terms used in the
standard workers' compensation policy, EXCEPT:
Answer: "State" means any state of the United States, the District of
Columbia, and all territories and possessions
◉ Which of the following statements is TRUE regarding coverage
under the NFIP for a building in violation of floodplain management
ordinances?
Answer: Neither the building nor the contents are covered
◉ All of the following statements are TRUE regarding the standard
Businessowners policy coverage extension for "Business Personal
Property Temporarily in Portable Storage Units", EXCEPT:
Answer: The coverage is provided for rented storage units away
from the insured premises
◉ Which of the following is NOT the purpose of managed care
coverage under a health insurance or workers compensation
insurance policy?
,Answer: To lower policy premiums
◉ The NAIC Model Unfair Claim Settlement Practices Act specifies
that when a violation of the Act is suspected, a hearing must be held:
Answer: Not less than 30 days after notice has been provided to
those involved. is correct.
◉ Which of the following property insurance policies is exempt from
the Hawaii standard fire policy regulations?
Answer: Inland marine
◉ The perils insured against by a Homeowners policy are contained
within the:
Answer: Insuring Agreements
◉ An insured who would like to cover an employee while driving
their own car on company time would need which of the following
endorsements?
Answer: Employees as Insureds endorsement
◉ Which of the following statements is TRUE if an insured would
like to include Commercial Inland Marine forms to a Commercial
Package Policy?
,Answer: The insured must select controlled Commercial Inland
Marine forms to add to a Commercial Package Policy
◉ Maggie Mae is a cleaning professional who works for Maid My Day
household cleaning services. Maggie Mae is traveling in her own
vehicle, to a client's home when she strikes and hits a pedestrian.
Maggie Mae is liable as the owner and operator of the vehicle, but
Maid My Day could be held _______ liable, because Maggie Mae was
acting on their behalf.
Answer: Vicariously
◉ When a state requires that all property policies within the state
provide coverage equivalent or greater to the SFP with the EC perils
attached, ______________ policies are exempt from this requirement.
Answer: Inland marine
◉ Which of the following is not an "additional coverage" under
Homeowners Liability -- Section II coverage?
Answer: Damage to "property owned by the insured"
◉ A covered commercial auto requires $700 in repairs because of
damage done by a limb from a dead tree that fell on it. The auto's
BAP physical damage coverage has a $100 comprehensive deducible
and a $250 collision deductible. Assuming that the ACV and
replacement cost of the vehicle is $700, the insurer will pay:
, Answer: $600
◉ An insurance company that permits different rate classifications
for individuals of the same class and same hazard may be guilty of:
Answer: Unfair discrimination
◉ Supplementary payments on the CGL would provide which of the
following?
Answer: Accrued interest on unpaid judgments.
◉ Any group that assists rating organizations or insurers to file their
premium rates with the Hawaii Insurance Department are known as
"advisory organizations". To become an advisory organization in
Hawaii, all of the following must be filed with the Department,
EXCEPT:
Answer: Any information the organization distributes to its
members
◉ Parmelia is covered under two separate standardized Personal
Automobile policies, with Part C limits under both policies set at
$200,000. Parmelia is involved in an accident with an uninsured
motorist and she sustains bodily injury damages for $262,320. How
much will Parmelia receive when she submits a claim for these
damages?
Answer: $200,000
