WEBCE FL ADJUSTER TEST QUESTIONS WITH
ACCURATE RIGHT ANSWERS 2026 – 2027 .
Adjuster moves states, how long to notify dept of financial services? - correct Answers -30 days
Vacant or unoccupied house is vandalized, will property insurance cover it? - correct Answers -No, policy
reduces coverage if the building is vacant or unoccupied for 60 days
When considering depreciation, adjusters consider these factors - correct Answers -Physical
deterioration, functional obsolescence, and future life expectancy
Not reporting a claim within the policy timeframe breaks the - correct Answers -Conditional contract of
the policy
Adjusters keep complete and accurate claim files for these reasons: - correct Answers -Record activities
that occur during adjustment, permit others to service the claim if the adjuster is unavailable, support
denial of the claim
What is the role of a primary care physician (PCP) in managed care plans? - correct Answers -Coordinate
member's health care treatment and access to medical specialists in the network
Individual short term disability plans pay up to - correct Answers -2 years
In which case would the applicant be eligible for coverage through an insurer in the residual insurance
market - correct Answers -The applicant is entitled to insurance but cannot buy it through the voluntary
market.
Failing to promptly settle a claim for which liability is uncertain is not an - correct Answers -Unfair claims
settlement practice
1
, 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 - correct Answers -6 months
If a bank's counterfeit money insuring agreement covers a loss for accepting counterfeit money in
another country it must have - correct Answers -A branch office in that country
What organization developed a standard workers comp and employers liability insurance policy used in
most stated? - correct Answers -National Workers Compensation Organization
compulsory no-fault laws - correct Answers -State laws that restrict an injured party's right to sue
another driver under tort law until a specific threshold of damages is surpassed
Most states allow suits against an employer if the employer fails to buy what - correct Answers -
Workman's comp policy or authorize to self insure
A worker is injured and accepts workers compensation and later dies, can the spouse sue the employer?
- correct Answers -No, acceptance of worker's compensation falls under the doctrine of exclusive
remedy.
No fault auto insurance allows: - correct Answers -Injured parties to recover damages from their own
insurers, not consider fault when determining coverage, and injured parties are entitled to
compensation for actual economic damages
Uninsured motorists coverage does not apply in what case - correct Answers -When the owner or
operator of a hit and run vehicle is identified
This endorsement will extend liability insurance and any physical damage insurance to cover the insured
while driving a non-owned vehicle: - correct Answers -Drive other car coverage
Farm Liability Coverage Form FL 0020 provides what coverages - correct Answers -Personal injury and
advertising (I), bodily injury and property damage (H), medical payments (J)
2
ACCURATE RIGHT ANSWERS 2026 – 2027 .
Adjuster moves states, how long to notify dept of financial services? - correct Answers -30 days
Vacant or unoccupied house is vandalized, will property insurance cover it? - correct Answers -No, policy
reduces coverage if the building is vacant or unoccupied for 60 days
When considering depreciation, adjusters consider these factors - correct Answers -Physical
deterioration, functional obsolescence, and future life expectancy
Not reporting a claim within the policy timeframe breaks the - correct Answers -Conditional contract of
the policy
Adjusters keep complete and accurate claim files for these reasons: - correct Answers -Record activities
that occur during adjustment, permit others to service the claim if the adjuster is unavailable, support
denial of the claim
What is the role of a primary care physician (PCP) in managed care plans? - correct Answers -Coordinate
member's health care treatment and access to medical specialists in the network
Individual short term disability plans pay up to - correct Answers -2 years
In which case would the applicant be eligible for coverage through an insurer in the residual insurance
market - correct Answers -The applicant is entitled to insurance but cannot buy it through the voluntary
market.
Failing to promptly settle a claim for which liability is uncertain is not an - correct Answers -Unfair claims
settlement practice
1
, 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 - correct Answers -6 months
If a bank's counterfeit money insuring agreement covers a loss for accepting counterfeit money in
another country it must have - correct Answers -A branch office in that country
What organization developed a standard workers comp and employers liability insurance policy used in
most stated? - correct Answers -National Workers Compensation Organization
compulsory no-fault laws - correct Answers -State laws that restrict an injured party's right to sue
another driver under tort law until a specific threshold of damages is surpassed
Most states allow suits against an employer if the employer fails to buy what - correct Answers -
Workman's comp policy or authorize to self insure
A worker is injured and accepts workers compensation and later dies, can the spouse sue the employer?
- correct Answers -No, acceptance of worker's compensation falls under the doctrine of exclusive
remedy.
No fault auto insurance allows: - correct Answers -Injured parties to recover damages from their own
insurers, not consider fault when determining coverage, and injured parties are entitled to
compensation for actual economic damages
Uninsured motorists coverage does not apply in what case - correct Answers -When the owner or
operator of a hit and run vehicle is identified
This endorsement will extend liability insurance and any physical damage insurance to cover the insured
while driving a non-owned vehicle: - correct Answers -Drive other car coverage
Farm Liability Coverage Form FL 0020 provides what coverages - correct Answers -Personal injury and
advertising (I), bodily injury and property damage (H), medical payments (J)
2
