Rhode Island Adjuster Exam

RHODE ISLAND ADJUSTER EXAM HOW MANY DAYS DOES THE INSURER HAVE TO SEND OUT FORMS WHEN NOTIFIED OF AN INCIDENT? - 10 DAYS AT WHAT TIME IS THE POLICY EFFECTIVE? - 12:01 AM WHAT IS THE MAIN DIFFERENCE BETWEEN A NON-WAIVER AGREEMENT AND A ROR? - -NON-WAIVER IS SIGNED BY THE INSURED AND INSURER -ROR IS A LETTER IF AN INSURED IS COVERED BY 2 POLICIES ON ONE LOSS AND THE INS. COMPANIES SETTLE IT, WHAT CLAUSE WOULD THIS BE UNDER? - OTHER INSURANCE CLAUSE WHEN AN INSURED REQUESTS STATUS UPDATE, HOW MANY DAYS DOES THE ADJ HAVE TO NOTIFY THEM IN WRITING THAT STILL INVEST.? - 10 DAYS IF AN INSURED HAS A PAP & THEIR VEHICLE IS DAMAGED IN A HURRICANE WHAT KIND OF CLAIM WOULD BE OPENED? - WINDSTORM AND FLOOD/OTHER THAN COLLISION HOW MANY DAYS AFTER FIRST INITIATING A CLAIM DO YOU HAVE TO REQUEST AN EXTENSION TO COMPLETE THE INVESTIGATION? - 15 DAYS IS AN ADJUSTER SUBJECT TO PUBLIC CENSURE AS A FINE? - NO ARE THE CONDITIONS INCLUDED IN THE DECLARATIONS SECTION OF THE PAP? - NO WOULD FENCES BE CONSIDERED APPURTENANT UNDER THE HOMEOWNERS POLICY? - YES UNDER PAP, WOULD YOU HAVE COVERAGE FOR ROAD DAMAGE TO TIRES DUE TO THEFT? - YES FOR $25 TO $200 WOULD AN INSURER REIMBURSE YOU FOR A TEMP. SUBSTITUTE? - NO IN RI, IF A VEHICLE IS INSURED BY 2 INSURERS, HOW DO THEY ALLOT PAYMENTS FOR THE DAMAGES? - PROPORTIONATE TO EACH POLICIE'S LIMITS WHAT ACT WOULD BE CONSIDERED ILLEGAL UNDER THE UNFAIR CLAIMS PRACTICE ACT? - PAYMENT BEFORE THOROUGH INVESTIGATION IF DAMAGES ARE CAUSED UNDER LIABILITY COVERAGE, WHO HAS THE BURDEN OF PROOF FOR THE LOSS? - THE CLAIMANT- PERSON ASSERTING THE CLAIM AN INSURED HAS THE RIGHT TO SUBROGATE FOR DAMAGES FROM WHOM? - THE RESPONSIBLE PARTY TRUE OR FALSE AN UNENDORDSED PAP, RENTAL COVERAGE MAY BE AFFORDED IN THE EVENT THAT AN INSURED VEHICLE IS STOLEN. - TRUE WHAT IS IT CALLED WHEN AN INSURED RECEIVES ADDITIONAL COVERAGE BY THE INSURER DURING POLICY PERIOD AT NO COST TO THE INSURED? - LIBERALIZATION TRUE OR FALSE AN INSURED'S TEMP. SUBSTITUTE WOULD BE COVERED IN THE EVENT THAT IT IS A RENTAL FOR VACATION - TRUE IN WHICH SITUATION IS COVERAGE EXCLUDED UNDER SECTION II HO COVERAGE? - A MOTOR VEHICLE DESIGNED FOR RECREACTIONAL USE OFF PUBLIC ROADS & OCCURRENCE TAKES PLACE ON OR OFF INSURED LOCATION PROVIDE AN EXAMPLE OF INTENTIONAL NEGLIGENCE. - INSURED CARELESSLY DAMAGES ANOTHER VEHICLE WHAT IS THE BEST COVERAGE FOR A 60 FT AUXILLARY SAIL BOAT? - YACHT PROVIDE AN EXAMPLE OF A PERSONAL INJURY