Hawaii Adjuster Exam Questions and Answers 100% Pass

Hawaii Adjuster Exam Questions and Answers 100% Pass Which of the following statements is NOT TRUE regarding the "Extended Period of Indemnity" option of the Business Income form? - Answer- The coverage applies for 120 days following the period of restoration When a Hawaii employee sustains an injury requiring medical treatment beyond first aid, how long does the employer have to report the accident to the Director of Labor and Industry relations? - Answer- 7 working days After paying a claim an insurance company may have the right to pursue legal action against the negligent party. This is known as: - Answer- Subrogation What coverage under the BOP automatically applies if a customer slips and falls on the named insured's premises, regardless of legal liability? - Answer- Medical expense coverage All of the following are examples of unfair claim practices, EXCEPT: - Answer- Making claim payments and stating the coverage under which payment is made What is the bond requirement for a Surplus Lines broker license in Hawaii? - Answer- $100,000. Which of the following would be covered under the personal property (contents) coverage of an NFIP policy? - Answer- The insured's riding lawn mower kept inside an attached garage.. The BOP has limitations on the square footage in regard to eligible retail and service risks. What is the maximum square footage a building can contain and still be eligible for the policy? - Answer- 35,000 square feet What is the purpose of the Hawaii Property Insurance Association? - Answer- To assure the availability of basic property insurance. The NAIC Model Unfair Claim Settlement Practices Act specifies that the insurance company must provide the proper claim forms with a reasonable explanation of how to use them to the claimant within: - Answer- 15 calendar days of the request If an agent offers an inducement to a perspective client in an attempt to write his or her insurance, this is called: - Answer- Rebating. St. Michael's Church is having their annual rigatoni dinner. Mary is volunteering to serve the guests. Which of the following situations would be covered by the CGL for the church? - Answer- Mary spills hot coffee on a guest Bill may be negligent if he: - Answer- Fails to do what a reasonably prudent person would do in the same circumstance Assume a Hawaii employee is injured in the course of work, and the employer later receives a report from the treating physician indicating that the employee is a candidate for vocational rehabilitation. In this instance, how many days from the date of injury must the employer provide information to the employee regarding his or her rights to vocational rehabilitation benefits? - Answer- 120 days The MCS-90 endorsement provides coverage for all of the following, EXCEPT: - Answer- Personal injury No radio or television broadcast, nor published written communication in Hawaii may: - Answer- Advertise for any insurer that is not authorized to transact insurance in Hawaii Which of the following is considered an Unfair Claim Settlement Practice? - Answer- Requiring a claimant to submit a preliminary claim report before moving forward on the claim The Earthquake Endorsement to a Homeowners policy will provide coverage to the dwelling and/or personal property with the deductible stated as: - Answer- 5% of the limit that applies to all Section I coverages