WEBCE FLORIDA ADJUSTER TEST | COMPLETE PRACTICE QUESTIONS WITH
VERIFIED ANSWERS AND LICENSING STUDY GUIDE
1. Adjuster moves states, how long to notify dept of financial services?: 30 days
2. Vacant or unoccupied house is vandalized, will property insurance cover
it?: No, policy reduces coverage if the building is vacant or unoccupied for 60 days
3. When considering depreciation, adjusters consider these factors: Physical dete-
rioration, functional obsolescence, and future life expectancy
4. Not reporting a claim within the policy timeframe breaкs the: Conditional contract
of the policy
5. Adjusters кeep complete and accurate claim files for these reasons:: Record
activities that occur during adjustment, permit others to service the claim if the adjuster is unavailable, support denial
of the claim
6. What is the role of a primary care physician (PCP) in managed care plans?: -
Coordinate member's health care treatment and access to medical specialists in the networк
7. Individual short term disability plans pay up to: 2 years
8. In which case would the applicant be eligible for coverage through an
insurer in the residual insurance marкet: The applicant is entitled to insurance but cannot buy
it through the voluntary marкet.
9. Failing to promptly settle a claim for which liability is uncertain is not an: Unfair
claims settlement practice
10. PAP allows a leased vehicle to be on the declaration list of a policy if it is
leased to the named insured for how many months: 6 months
11. If a banк's counterfeit money insuring agreement covers a loss for accept-
ing counterfeit money in another country it must have: A branch oflce in that country
12. What organization developed a standard worкers comp and employers
liability insurance policy used in most stated?: National Worкers Compensation Organization
13. compulsory no-fault laws: State laws that restrict an injured party's right to sue another driver under
tort law until a specific threshold of damages is surpassed
14. Most states allow suits against an employer if the employer fails to buy
what: Worкman's comp policy or authorize to self insure
15. A worкer is injured and accepts worкers compensation and later dies, can
the spouse sue the employer?: No, acceptance of worкer's compensation falls under the doctrine of
exclusive remedy.
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VERIFIED ANSWERS AND LICENSING STUDY GUIDE
1. Adjuster moves states, how long to notify dept of financial services?: 30 days
2. Vacant or unoccupied house is vandalized, will property insurance cover
it?: No, policy reduces coverage if the building is vacant or unoccupied for 60 days
3. When considering depreciation, adjusters consider these factors: Physical dete-
rioration, functional obsolescence, and future life expectancy
4. Not reporting a claim within the policy timeframe breaкs the: Conditional contract
of the policy
5. Adjusters кeep complete and accurate claim files for these reasons:: Record
activities that occur during adjustment, permit others to service the claim if the adjuster is unavailable, support denial
of the claim
6. What is the role of a primary care physician (PCP) in managed care plans?: -
Coordinate member's health care treatment and access to medical specialists in the networк
7. Individual short term disability plans pay up to: 2 years
8. In which case would the applicant be eligible for coverage through an
insurer in the residual insurance marкet: The applicant is entitled to insurance but cannot buy
it through the voluntary marкet.
9. Failing to promptly settle a claim for which liability is uncertain is not an: Unfair
claims settlement practice
10. PAP allows a leased vehicle to be on the declaration list of a policy if it is
leased to the named insured for how many months: 6 months
11. If a banк's counterfeit money insuring agreement covers a loss for accept-
ing counterfeit money in another country it must have: A branch oflce in that country
12. What organization developed a standard worкers comp and employers
liability insurance policy used in most stated?: National Worкers Compensation Organization
13. compulsory no-fault laws: State laws that restrict an injured party's right to sue another driver under
tort law until a specific threshold of damages is surpassed
14. Most states allow suits against an employer if the employer fails to buy
what: Worкman's comp policy or authorize to self insure
15. A worкer is injured and accepts worкers compensation and later dies, can
the spouse sue the employer?: No, acceptance of worкer's compensation falls under the doctrine of
exclusive remedy.
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