Adjuster Pro Practice Exam questions and answers 100% verified.

Adjuster Pro Practice Exam questions and answers 100% verified. Stu uuhas uua uucollection uuof uurare uucomic uubooks. uuHe uuwants uuto uupurchase uutheft uuinsurance uufor uuhis collection, uuseparate uufrom uuhis uuhome uuand uuother uuproperty. uuWhat uuterm uumost uuaccurately describes uuthe uutype uuof uupolicy uuStu uuwould uupurchase? uu- uu uucorrect uuanswer. uu uu uuMonoline uuPolicy Which uuof uuthe uufollowing uustatements uudoes uuNOT uuapply uuto uuthe uuStandard uuFire uuPolicy? uu- uu uucorrect uuanswer. uu uu uuIt uuautomatically uucovers uuwind uuand uuvandalism. Which uuof uuthe uufollowing uurefers uuto uubeing uurestored uuto uuthe uufinancial uucondition uuyou uuwere uuin before uua uuloss? uu- uu uucorrect uuanswer. uu uu uuIndemnification The uufee uupaid uuby uuthe uuinsured uuin uuexchange uufor uuan uuinsurance uupolicy uuis uucalled uua: uu- uu uucorrect uuanswer. uu uu uupremium Haley uutakes uua uubottle uuof uuwater uuinto uua uustore, uupours uusome uuof uuit uuon uuthe uufloor uuwhen uuno uuone uuis looking, uuand uuthen uupretends uuto uuslip uuand uufall. uuShe uucries uuout uufor uuhelp uuin uuapparent uupain until uusomeone uucomes uuto uuher uuaid. uuShe uuthen uusues uuthe uustore uufor uuher uufake uuinjury uuin uuan effort uuto uucollect uuan uuinsurance uusettlement. uuWhat uuhas uuHaley uucommitted? uu- uu uucorrect uuanswer. uu uu uuHard uufraud Which uusettlement uuoption uuis uumost uuoften uuused uuwhen uua uuclaimant uumisses uuwork uubecause uuof bodily uuinjury, uubut uua uusettlement uuhas uunot uuyet uubeen uureached? uu- uu uucorrect uuanswer. uu uu uuAdvance uupayment uusettlement Cindy uuand uuher uuinsurer uucannot uureach uuan uuagreement uufor uuher uuproperty uuclaim, uuand uuhave gone uuback uuand uuforth uufor uuweeks uuwithout uucoming uuwithin uu$10,000 uuof uueach uuother. uuAt uuthis point, uusince uuboth uubelieve uuthey uuare uuoffering uua uufair uusettlement, uua uuthird uuparty uuis uuneeded uuto help uufacilitate uuthe uunegotiation. uuBoth uuparties uustill uuwant uuto uuretain uutheir uuability uuto uu"walkaway" uuif uuthey uucannot uureach uuan uuagreement. uuWhat uuis uuthe uunext uubest uustep uufor uuCindy uuand uuher uuinsurer? uu- uu uucorrect uuanswer. uu uu uuMediation When uuJeanette uushows uuup uuto uuhandle uua uuclaim uuon uubehalf uuof uuABC uuInsurance, uushe uuevaluates the uuclaim uuand uunegotiates uua uusettlement. uuMaintaining uuher uuintegrity uuand uuacting uuethically, Jeanette uuis uufulfilling uuher: uu- uu uucorrect uuanswer. uu uu uufiduciary uuduty. Many uuadjusters uuprefer uuarbitration uuto uulitigation, uubecause uuprofessional uuarbitrators uutend uuto be uumore uu___________ uuthan uucivil uujuries. uu- uu uucorrect uuanswer. uu uu uuknowledgeable Which uuof uuthe uufollowing uuis uuNOT uutrue uuof uuthe uuno-release uusettlement? uu- uu uucorrect uuanswer. uu uu uuIt's uualso uucalled uuan uu"advance uupayment uusettlement." Why uushould uulitigation uube uuconsidered uua uulast uuresort uuoption? uu- uu uucorrect uuanswer. uu uu uuIt uucan uube uucostly uuand uuunpredictable Which uuof uuthe uufollowing uusteps uuwould uuoccur uuLAST uuin uuthe uuprocessing uuof uua uuclaim? uu- uu uucorrect uuanswer. uu uu uuNegotiate uua uusettlement uuwith uuthe uuclaimant As uuan uuadjuster uufor uuKLM uuInsurance, uuChrystal uuhas uuthe uuimportant uurole uuof uufiduciary uuagent. While uuacting uuin uuthis uucapacity, uuChrystal's uuprimary uuresponsibility uuis uuto: uu- uu uucorrect uuanswer. uu uu uuprotect uuthe uufinancial uuand uuproperty uuinterests uuof uuKLM uuInsurance Bobby uuis uuadjusting uua uucomplicated uuauto uuclaim. uuWhich uuof uuthe uufollowing uuis uuTRUE? uu- uu uucorrect uuanswer. uu uu uuBecause uuthe uupolicyholder uu(Jane) uuis uu84 uuyears uuold uuand uuseems uuto uuhave uutrouble uuremembering uuwhat happened uubefore uuthe uuaccident, uuBobby uushould uufeel uufree uuto uucontact uuher uu45-year-old uucaretaker uufor clarification. Jim uuis uuan uuinsurance uuadjuster uuworking uua uutheft uuclaim. uuAs uupart uuof uuhis uuinvestigation, uuJim might uuwant uuto uudo uuall uuof uuthe uufollowing, uuEXCEPT: uu- uu uucorrect uuanswer. uu uu uulook uufor uuways uuto uulower uuthe uusettlement uufor uuthe uuclaimant. Adjuster uuAlice uuis uutrying uuto uudetermine uuthe uufinal uusettlement uuamount uufor uuTed's uuclaim. uuTed's house uuwas uudamaged uuin uua uucovered uuloss, uuand uuAlice uuhas uuestimated uuthat uuit uuwill uucost $25,000 uuto uumake uuthe uunecessary uurepairs. uuTed's uuhomeowners uupolicy uuhas uua uu$100,000 uulimit and uua uu$2,000 uudeductible. uuTypically, uuhow uumuch uuwould uuAdjuster uuAlice uucalculate uuTed's final uusettlement uuamount uuto uube? uu- uu uucorrect uuanswer. uu uu uu$23,000 As uuan uuinsurance uuadjuster, uuHeather uuis uuresponsible uufor uuupdating uuand uumaintaining uuan accurate uurecord uuof uuall uuthe uuinformation uupertinent uuto uuan uuindividual's uuinsurance uuclaim, including uucopies uuof uuall uuwritten uudocumentation, uuphotos uuand uuproperty uusketches, uuwitness statements, uuand uucopies uuof uumedical uubills. uuWhat uuis uuthis uurecord uucalled? uu- uu uucorrect uuanswer. uu uu uuClaim uufile Bill uuis uugoing uuto uuswitch uuemployers, uuand uutherefore uuswitch uuhealthcare uuproviders. uuWhich federal uulaw uuensures uuthat uuhe uuwon't uube uudenied uucoverage uuwhen uuhe uuswitches uuhealth uuplans? uu- uu uucorrect uuanswer. uu uu uuHIPAA Cindy, uua uudrunk uudriver, uuaccidentally uucrashes uuinto uuNancy's uuhouse, uucausing uu$22,000 uuin damage. uuOn uutop uuof uuthat, uuNancy uutries uuto uuget uuthe uuadjuster uuto uuadd uuan uuadditional uu$20,000 for uupunitive uudamages uuto uupunish uuCindy uufor uudriving uuwhile uuintoxicated. uuHowever, uuNancy fails uuin uuher uuattempts uuat uunegotiation. uuThis uuis uubecause: uu- uu uucorrect uuanswer. uu uu uuthe uuadjuster uudoes uunot uuhave uuauthority uuto uunegotiate uufor uupunitive uudamages. Bill's uunew uuhome uuis uuin uuthe uufinal uustages uuof uuconstruction, uuand uuhe uuhas uupurchased uuan uuHO-2 policy uuto uuinsure uuhis uufinancial uuinterest uuin uuthe uuproperty. uuThis uumorning, uuBill's uucontractor calls uuto uutell uuhim uuthat uuan uuelectrical uufire uuhas uudestroyed uuhis uunew uukitchen, uuand uuall uuof uuthe crown uumolding uuthat uuwas uusupposed uuto uube uuinstalled uutoday uuhas uubeen uustolen. uuIt uuwill uube $15,000 uuto uurebuild uuthe uukitchen uuand uuanother uu$4,200 uuto uureplace uuthe uutrim. uuHow uuwill uuBill's insurer uurespond uuwhen uuhe uufiles uua uuclaim? uu- uu uucorrect uuanswer. uu uu uuHis uuinsurer uuwill uupay uu$15,000 uuto uurebuild uuthe uukitchen uuand uunothing uufor uuthe uustolen uutrim. Tim's uu$2,500 uuboat uutrailer uuwas uustolen uufrom uuhis uudriveway. uuIgnoring uuany uudeductibles, uuhow much uucan uuTim uureceive uufor uuhis uustolen uutrailer uuwhen uuhe uufiles uua uuclaim uuagainst uuhis homeowners uupolicy? uu- uu uucorrect uuanswer. uu uu uu$1,500 For uuloss uusettlement uupurposes, uumost uuhomeowners uupolicies: uu- uu uucorrect uuanswer. uu uu uupay uufor uudamages uuto uupersonal uuproperty uuat uuactual uucash uuvalue, uuand uudamages uuto uustructures uuat uureplacement cost. After uua uurain uustorm, uuNancy uurealizes uuthat uushe uuleft uuher uubedroom uuwindows uuopen uuthe uuentire time. uuNow uuthere uuis uuextensive uuwater uudamage uuto uuher uuarea uurug uuand uufurniture, uuand uuthe laptop uuthat uuhad uubeen uusitting uuon uuher uudesk uuis uuruined. uuNancy uuhas uua uuBroad uuForm homeowners uupolicy, uuso uushe uucalls uuher uuinsurance uucompany uuand uufiles uua uuclaim. uuWhat uuis the uulikely uuresult uuof uuNancy's uuclaim? uu- uu uucorrect uuanswer. uu uu uuThe uuinsurer uuwill uunot uucover uuany uuof uuthe uudamage, uusince uuNancy uuleft uuthe uuwindows uuopen. Sherrie's uuroof uuand uufence uuare uudamaged uuin uua uuviolent uuwindstorm. uuSherrie uuhas uua uutypical HO-3 uupolicy uuwith uua uu$150,000 uulimit uufor uuCoverage uuA uu- uuDwelling. uuAssuming uushe uuhas uuno endorsements, uuhow uumuch uucoverage uudoes uushe uuhave uuavailable uufor uuthe uudamage uuto uuher fence? uu- uu uucorrect uuanswer. uu uu uu$15,000 Phil uuheads uuover uuto uuvisit uuhis uufriend uuJosh, uuwho uuis uusick uuwith uuthe uuflu. uuWhile uuat uuthe uuhouse, Josh uufails uuto uucover uuhis uumouth uuwhen uuhe uucoughs uuand uuPhil uuends uuup uucontacting uuthe uuflu. Phil uufiles uua uuclaim uuwith uuJosh's uuinsurer uufor uumedical uuexpenses uuand uulost uuincome uuwhile uuPhil is uuout uusick uufrom uuwork. uuThe uuinsurer uudenies uuthe uuclaim uubecause: uu- uu uucorrect uuanswer. uu uu uudisease uutransmitted uufrom uuthe uuinsured uuto uua uuthird uuparty uuis uuexcluded. Mark uuis uuon uuvacation uuin uuItaly uuwhen uuhis uuluggage uuis uustolen, uuincluding uua uu$2,000 uulaptop, uua $500 uusuitcase, uuand uu$400 uuin uuclothes. uuMark uuhas uuan uuHO-3 uuhomeowners uupolicy. uuExcluding any uuapplicable uudeductible, uuwhich uuof uuthe uufollowing uustatements uuis uuTRUE? uu- uu uucorrect uuanswer. uu uu uuMark's uuhomeowners uupolicy uuwill uucover uu$2,400 uuof uuthis uuloss. Which uuof uuthe uufollowing uulosses uumay uuqualify uufor uucoverage uuunder uuCoverage uuF uu- uuMedical Payments? uu- uu uucorrect uuanswer. uu uu uuKevin uuaccidentally uushoots uuhimself uuin uuthe uufoot uuwith uua uunail uugun uuwhile uuhe uuis uuhelping uuJoe uubuild uua uudeck uuin Joe's uubackyard. Veronica uuowns uua uupottery uubusiness uuand uuis uuinsured uuunder uua uucommercial uuproperty uupolicy. uuShe uuwas uuin uuthe uuprocess uuof uubuilding uuan uuextra uustructure uufor uuthe uusole uupurpose uuof uukiln firing uuher uupottery, uubut uuafter uu40 uudays uuof uuwaiting uufor uuit uuto uube uucompleted, uushe uumoved uuher business uuto uua uunew uulocation uuwithout uuany uuintention uuof uumoving uuback. uuHer uuBuilder's uuRisk Coverage uuForm uuwas uuterminated uubecause: uu- uu uucorrect uuanswer. uu uu uuthe uuproperty uuis uuabandoned. A uufire uuburns uudown uuJenny's uuHardware, uuleaving uuvirtually uunothing uusalvageable. uuWhich uuof the uufollowing uuitems uuwould uuNOT uube uucovered uuunder uuCoverage uuB uuof uuthe uuBuilding uuand Personal uuProperty uuCoverage uuForm uuin uuher uucommercial uuproperty uupolicy? uu- uu uucorrect uuanswer. uu uu uuA uupaint uumixer uupermanently uuaffixed uuto uuthe uufloor After uuTony, uuthe uuowner uuof uuXYZ uuCleaners, uuaccidentally uustarts uua uufire, uuXYZ uuCleaners uuburns to uuthe uuground, uutaking uuall uuthe uugarments uuwith uuit. uuAfterwards, uuTony uuhas uuto uurent uua uunew building uuand uupurchase uunew uuequipment uuand uusupplies. uuHe uuis uualso uuresponsible uufor uuall uuthe clothing uuthat uuwas uuin uuhis uucare. uuWhich uutype uuof uucoverage uuin uuhis uucommercial uuproperty policy uucould uuhelp uuTony uuwith uuthe uucost uuof uupaying uufor uuhis uucustomers' uudestroyed uuclothing? uu- uu uucorrect uuanswer. uu uu uuLegal uuLiability uuCoverage A uufire uuin uuSarah's uufactory uucauses uuher uuto uushut uuthe uufactory uudoors uufor uu50 uudays. uuTo uulimit uuher loss uuof uuincome uuand uukeep uuproduction uugoing, uuSarah uuspends uu$125,000 uurenting uuequipment and uuanother uubuilding. uuSarah's uucommercial uuproperty uupolicy uudoesn't uuhave uuBusiness Income uuCoverage, uubut uuit uudoes uuinclude uuExtra uuExpense uuCoverage. uuThe uulimit uuon uuher uuExtra Expense uucoverage uuis uu$100,000 uuand uushe uuhas uuLimits uuof uuLoss uuPayment uuof uu40%/80%/100% during uuher uuperiod uuof uurestoration. uuHow uumuch uuindemnification uuwill uuSarah uureceive uufor uuher extra uuexpenses? uu- uu uucorrect uuanswer. uu uu uu$80,000 Helen's uubusiness uuis uugrowing uurapidly, uuso uushe uudecided uuto uuadd uuan uuannex uuonto uuher uuoffice and uuhire uuanother uuworker. uuWhile uuunder uuconstruction, uua uustorm uublows uudown uumost uuof uuthe annex uustructure, uuforcing uuHelen uuto uurestart uufrom uuscratch. uuHer uucommercial uupolicy provides uuinsurance uucoverage uuequal uuto uu75% uuof uuthe uuproperty uuvalue, uudespite uuthe uufact uuthat her uupolicy uurequires uu80% uucoverage uuto uube uufully uuinsured. uuWhich uucoverage uuextension could uuhelp uuHelen uurebuild uuat uureplacement uucost? uu- uu uucorrect uuanswer. uu uu uuNone uu- uuExtensions uuare uuonly uuavailable uuif uuthe uupolicyholder uumaintains uuthe uuminimum uulevel uuof uuinsurance uuof 80% uuto uuvalue A uufire uuburns uudown uuJenny's uuHardware, uuleaving uuvirtually uunothing uusalvageable. uuWhich uuof the uufollowing uuitems uuwould uuNOT uube uucovered uuunder uuCoverage uuA uuof uuthe uuBuilding uuand Personal uuProperty uuCoverage uuForm uuin uuher uucommercial uuproperty uupolicy? uu- uu uucorrect uuanswer. uu uu uuAn uuemployee's uulaptop uuwhich uushe uuuses uufor uuwork Honey's uuBakery uuis uua uulocal uucoffee uushop uurun uuby uutwo uusisters. uuIn uua uurush uuto uuleave uuone afternoon, uutheir uunew uuemployee uuforgets uuto uuturn uuoff uuthe uugas uustove. uuThe uuleaking uugas causes uuan uuexplosion, uudestroying uuthe uukitchen. uuWhich uucondition uuin uutheir uucommercial property uupolicy uucould uuhelp uuthe uusisters uucover uuthe uucost uuof uuthe uudamage? uu- uu uucorrect uuanswer. uu uu uuControl uuof uuProperty Francis uuowns uua uusmall uushoe uustore. uuSince uuhis uubusiness uuisn't uuparticularly uurisky, uuhe uuhas uua commercial uuproperty uupolicy uuthat uuprovides uunamed-peril uucoverage uuto uuhis uubuilding uuand personal uuproperty, uuwithout uuany uuadditional uucoverages. uuWhich uuCauses uuof uuLoss uuform does uuFrancis uuhave uuattached uuto uuhis uucoverage uuform? uu- uu uucorrect uuanswer. uu uu uuBasic uuForm Which uuof uuthe uufollowing uuperils uuis uuexcluded uufrom uucoverage uuin uua uuNational uuFlood uuInsurance Program uupolicy? uu- uu uucorrect uuanswer. uu uu uuWater-main uubreakage When uua uusevere uuflood uuis uuimminent, uuErica uugoes uuout uuand uuspends uu$1,200 uuon uusandbags, $760 uuon uuplastic uusheeting uuand uulumber, uuand uu$1,500 uuon uua uupump. uuThen uushe uuhires uutwo neighbors uuto uuhelp uuher uuflood-proof uuher uuhouse uuwith uuthese uumaterials. uuShe uuand uuher neighbors uuwork uutogether uufor uu16 uuhours, uuand uushe uupays uuthem uuthe uufederal uuminimum uuwage for uutheir uulabor. uuAfter uuthe uuflood uupasses, uuErica uufiles uua uuclaim uufor uuthese uuexpenses. Assuming uuthe uufederal uuminimum uuwage uuat uuthat uutime uuis uu$7.00 uuper uuhour, uuhow uumuch uuwill uuher flood uupolicy uuindemnify uuher? uu- uu uucorrect uuanswer. uu uu uu$2,872 Jackie uulives uuin uuan uuarea uurecently uudevastated uuby uua uuhurricane uuand uuhas uufiled uua uuclaim uuwith her uuinsurance uucompany, uuABC uuInsurance. uuJerry, uuan uuadjuster uucontracted uuby uuABC Insurance, uupulls uuup uuto uuJackie's uuhouse uuin uua uutruck uuwith uuthe uuABC uuInsurance uulogo uuon uuthe side, uuand uuwearing uua uushirt uuwith uuthe uuABC uuInsurance uulogo uuon uuthe uufront. uuAlthough uuJackie doesn't uuknow uuthat uuJerry uuis uucontracted uuby uuABC uuInsurance, uushe uuhas uureason uuto uubelieve uuhe has uuthe uuauthority uuto uuadjust uuher uuclaim. uuThis uuis uuan uuexample uuof: uu- uu uucorrect uuanswer. uu uu uuimplied uuauthority. This uuagent uuis uuself-employed uuand uuable uuto uuoffer uuinsurance uuproducts uufrom uumore uuthan uuone company uuat uua uutime. uu- uu uucorrect uuanswer. uu uu uuIndependent uuSales uuAgent Jerry uuis uuan uuadjuster uuand uuhas uusigned uua uucontract uuwith uuABC uuInsurance uuto uuadjust uuclaims uuin an uuarea uurecently uudevastated uuby uua uuhurricane. uuJerry uureceives uuthe uuclaims uufrom uuABC Insurance, uucompletes uuthe uuinspections, uuand uusettles uuclaims uuon uubehalf uuof uuABC uuInsurance according uuto uuhis uucontract. uuWhat uutype uuof uuauthority uuhas uuABC uuInsurance uugiven uuJerry? uu- uu uucorrect uuanswer. uu uu uuExpress uuauthority Don uuworks uuas uuan uuadjuster uufor uuABC uuInsurance. uuWhich uuof uuthe uufollowing uuis uumost uulikely NOT uuone uuof uuDon's uuresponsibilities? uu- uu uucorrect uuanswer. uu uu uuRepresent uuthe uuinsured uuif uua uuclaim uugoes uuto uucourt An uuinsurer uumay uuNOT: uu- uu uucorrect uuanswer. uu uu uutry uuto uusettle uua uuclaim uuusing uuan uuapplication uuthat uuwas uualtered uuwithout uuthe uuknowledge uuof uuthe uuinsured. After uua uucar uuaccident, uuBarbara uufiles uua uuclaim uuwith uuher uuinsurer uufor uuthe uubody uudamage uuto uuher car. uuThe uuinsurer uuinstructs uuBarbara uuto uubring uuher uucar uuto uua uubody uushop uufor uurepair, uuand uushe hears uuback uua uuweek uulater uuthat uuit uuis uuready uuto uube uupicked uuup. uuTo uuher uusurprise, uuBarbara uufinds that uuthe uuparts uuused uuin uuthe uurepair uuare uupoor uuquality uuand uudo uunot uueven uumatch uuthe uurest uuof uuthe car. uuHow uuhas uuthe uuinsurer uufailed uuto uumeet uufair uusettlement uustandards? uu- uu uucorrect uuanswer. uu uu uuThe uuinsurer uudid uunot uuallow uuBarbara uuto uuchoose uuthe uutype uuof uubody uupart uuthat uushe uuwanted uuto uube uuused uuin uuthe uurepair All uuof uuthe uufollowing uupieces uuof uuinformation uucan uube uufound uuin uuthe uuConditions uusection uuof uuan insurance uupolicy, uuEXCEPT: uu- uu uucorrect uuanswer. uu uu uucauses uuof uuloss uuthat uuare uunot uucovered. Which uuof uuthe uufollowing uuis uuNOT uua uucharacteristic uuof uuinsurance uucontracts? uu- uu uucorrect uuanswer. uu uu uuUniversal All uuof uuthe uufollowing uuare uutypical uuexclusions uuin uuan uuinsurance uupolicy, uuEXCEPT uu- uu uucorrect uuanswer. uu uu uuexplosion Which uuof uuthe uufollowing uuwould uuyou uufind uuin uuthe uuConditions uusection uuof uuan uuinsurance policy? uu- uu uucorrect uuanswer. uu uu uuThe uuinsured's uuduty uuafter uua uuloss Which uuof uuthe uufollowing uuis uufound uuin uuthe uudeclarations uupage uuof uuan uuinsurance uupolicy? uu- uu uucorrect uuanswer. uu uu uuThe uuname uuof uuthe uuinsured uuparty In uuwhich uusection uuof uuan uuinsurance uupolicy uumight uuyou uufind uuthe uufollowing uustatement? "Damage uuto uuinsured uuproperty uumust uube uureported uuwithin uu15 uudays uuof uuthe uudamaging occurrence." uu- uu uucorrect uuanswer. uu uu uuConditions Which uuof uuthe uufollowing uubest uudescribes uua uuFraternal uuBenefit uuSociety? uu- uu uucorrect uuanswer. uu uu uuA uufraternal uubenefit uusociety uuis uua uusocial uuorganization uubased uuaround uucommon uuinterests uuand uubeliefs. Which uuof uuthe uufollowing uuis uuNOT uua uucharacteristic uuof uusocial uuinsurance uuprograms? uu- uu uucorrect uuanswer. uu uu uuSocial uuinsurance uuprograms uuare uufor-profit uuprograms. A uu"hazard" uuis uudefined uuas: uu- uu uucorrect uuanswer. uu uu uusomething uuthat uuincreases uuthe uuchance uuof uua uuloss An uuoral uuor uuwritten uustatement uuproviding uutemporary uuinsurance uucoverage uuuntil uuan insurance uupolicy uucan uube uuissued uuis uucalled uua: uu- uu uucorrect uuanswer. uu uu uubinder The uuSeverability uuof uuInterests uucondition uustates uuthat: uu- uu uucorrect uuanswer. uu uu uucoverage uuapplies uuto uueach uuinsured uuseparately, uuas uuif uuno uuother uuinsured uuexisted.