CONNECTICUT ALL LINES EXCEPT
WORKERS COMP ADJUSTER ACTUAL
PAPER 2026 QUESTIONS WITH SOLUTIONS
GRADED A+
⩥ An "open-ended" release pertains to:
a. Any and all releases.
b. A release involving an attorney.
c. A conditional or partial release.
d. A release where expenses have been paid. Answer: C; A conditional or
partial release
⩥ Which of the following is a violation of the unfair claims practice
laws?
a. Knowingly misrepresenting to insureds or third-party claimants
pertinent facts or policy provisions relating to coverages at issue, or
providing misleading information with respect to the coverages
b. Failing to acknowledge with reasonable promptness pertinent
communications with respect to a claim
c. Failing to adopt and implement reasonable standards for the prompt
investigation and settlement of claims
d. All are violations. Answer: D; All are violations
,⩥ After an auto collision loss an insurance company may elect to pay the
insured's claim and take possession of the vehicle. This practice is
referred to as:
a. Salvage
b. Subrogation
c. Warranty
d. Deductible. Answer: A; Salvage
⩥ Which of the following would NOT be found in the conditions section
of an insurance policy?
a. Subrogation rights
b. Duties of the Insured
c. Insurance premium
d. Mortgage clause Answer: C; Insurance Premium
⩥ What does the term "bailment" mean?
a. Transfer of possession
b. Transfer of possession and temporary title
c. Transfer of title
d. Temporary release from jail Answer: A; Transfer of possession
⩥ Which of the following coverages is included in a personal auto
policy without having to issue an endorsement?
,a. Transportation Expenses
b. Towing and Labor Costs
c. Misc. Type Vehicles
d. Named Nonowner Answer: A; Transportation Expenses
⩥ A fidelity bond is designed to protect the employer against:
a. Damage to property on which he is working
b. Slander or libel
c. Personal injury
d. Theft by an employee Answer: D; Theft by an employee
⩥ Which of the following losses would be covered under garagekeeper's
legal liability coverage?
a. Theft of a customer's AM/FM stereo radio permanently installed.
b. Theft of equipment from a covered auto. The theft was committed by
a garage employee.
c. Faulty work performed by the named insured.
d. Loss to CD's from a covered auto. Answer: A; Theft of a customer's
AM/FM stereo radio permanently installed
⩥ Bob and Pete's Used Cars has purchased a garage policy with dealers
physical damage on the cars owned by the dealership at its location. Pete
goes to an auto auction 150 miles away, purchases vehicles and drives
, them back to the dealership. Which endorsement, if any, is necessary to
cover this exposure?
a. Drive Other Car Coverage
b. Hired auto specified as Covered Autos You Own
c. Non Owned Auto Coverage
d. Dealers Drive Away Collision Answer: D; Dealers Drive Away
Collision
⩥ Which of the following can be categorized as liability doctrines?
a. Strict
b. Vicarious
c. Res Ipsa Loquitur
d. All are correct Answer: D; All responses are correct
⩥ The newer CGL form now includes as insured's which of the
following?
a. Volunteer Employees
b. People not employed by the insured who help to load and unload
trucks by hand
c. Employees of Sub-contractors
d. Owners of boats rented by the insured for business use Answer: A;
Volunteer Employees
WORKERS COMP ADJUSTER ACTUAL
PAPER 2026 QUESTIONS WITH SOLUTIONS
GRADED A+
⩥ An "open-ended" release pertains to:
a. Any and all releases.
b. A release involving an attorney.
c. A conditional or partial release.
d. A release where expenses have been paid. Answer: C; A conditional or
partial release
⩥ Which of the following is a violation of the unfair claims practice
laws?
a. Knowingly misrepresenting to insureds or third-party claimants
pertinent facts or policy provisions relating to coverages at issue, or
providing misleading information with respect to the coverages
b. Failing to acknowledge with reasonable promptness pertinent
communications with respect to a claim
c. Failing to adopt and implement reasonable standards for the prompt
investigation and settlement of claims
d. All are violations. Answer: D; All are violations
,⩥ After an auto collision loss an insurance company may elect to pay the
insured's claim and take possession of the vehicle. This practice is
referred to as:
a. Salvage
b. Subrogation
c. Warranty
d. Deductible. Answer: A; Salvage
⩥ Which of the following would NOT be found in the conditions section
of an insurance policy?
a. Subrogation rights
b. Duties of the Insured
c. Insurance premium
d. Mortgage clause Answer: C; Insurance Premium
⩥ What does the term "bailment" mean?
a. Transfer of possession
b. Transfer of possession and temporary title
c. Transfer of title
d. Temporary release from jail Answer: A; Transfer of possession
⩥ Which of the following coverages is included in a personal auto
policy without having to issue an endorsement?
,a. Transportation Expenses
b. Towing and Labor Costs
c. Misc. Type Vehicles
d. Named Nonowner Answer: A; Transportation Expenses
⩥ A fidelity bond is designed to protect the employer against:
a. Damage to property on which he is working
b. Slander or libel
c. Personal injury
d. Theft by an employee Answer: D; Theft by an employee
⩥ Which of the following losses would be covered under garagekeeper's
legal liability coverage?
a. Theft of a customer's AM/FM stereo radio permanently installed.
b. Theft of equipment from a covered auto. The theft was committed by
a garage employee.
c. Faulty work performed by the named insured.
d. Loss to CD's from a covered auto. Answer: A; Theft of a customer's
AM/FM stereo radio permanently installed
⩥ Bob and Pete's Used Cars has purchased a garage policy with dealers
physical damage on the cars owned by the dealership at its location. Pete
goes to an auto auction 150 miles away, purchases vehicles and drives
, them back to the dealership. Which endorsement, if any, is necessary to
cover this exposure?
a. Drive Other Car Coverage
b. Hired auto specified as Covered Autos You Own
c. Non Owned Auto Coverage
d. Dealers Drive Away Collision Answer: D; Dealers Drive Away
Collision
⩥ Which of the following can be categorized as liability doctrines?
a. Strict
b. Vicarious
c. Res Ipsa Loquitur
d. All are correct Answer: D; All responses are correct
⩥ The newer CGL form now includes as insured's which of the
following?
a. Volunteer Employees
b. People not employed by the insured who help to load and unload
trucks by hand
c. Employees of Sub-contractors
d. Owners of boats rented by the insured for business use Answer: A;
Volunteer Employees
