GEORGIA CLAIMS ADJUSTER LICENSING EXAM 2024-2025
/ GA CLAIMS ADJUSTER EXAM 130 QUESTIONS AND
CORRECT DETAILED ANSWERWERS WITH
RATIONALES|ALREADY GRADED A+
Q1
The action which, in a natural and continual sequence, produces a loss is known as the:
A. indemnity causation
B. primal causation
C. approximate cause
D. proximate cause - ANSWERwer-D. proximate cause
Required discounts to offer on GA auto policies - ANSWERwer-Defensive driving and good student
discount; must offer at least 10% discount
True or False
For someone who is less than 25 years old qualify for the Defensive Driving Discount, they must have:
1 - committed no traffic offenses for the previous five (5) years or since licensure, whichever is shorter
2 - no at-fault claims against insurer in the previous three (3) years
3 - complete an approved Driver's Training course of not less than thirty (30) hours - ANSWERwer-
False - error in requirement 1: no traffic offenses in the previous THREE(3) years, not five.
Where can you find the customized equipment endorsement? What kind of limit is used? -
ANSWERwer-On the Personal Auto Policy; scheduled limits are used on customized equipment
Additional Insured - ANSWERwer-An individual or organization listed as covered by a primary
insurance agreement AKA the Zuckerburg endorsement.
Can two people share a single coverage of a car? - ANSWERwer-Yes if they are co-owners. They will
need the Joint Ownership Coverage Endorsement.
,Additional coverage limits on Dwelling Policies. - ANSWERwer-Additional coverages are 10% of the
limit of A under Coverage E - Additional Living Expenses. This only applies to DP2 and DP3.
Collapse is a peril or additional coverage? - ANSWERwer-Additional coverage - causes of collapse
would be perils though, such as weight of ice or windstorm.
Crime Coverage Forms
A- B
- C-
D-
E-
F- G-
H- Q
-
Cash only forms - Other
than Cash forms -
Forms that cover both - - ANSWERwer-Crime Coverage Forms
A - employee dishonesty
B - forgery and alteration
C - theft, disappearance, destruction
D - robbery and safe burglary (PP)
E - premises burglary
F - computer fraud
G - extortion
H - premises theft/outside robbery
Q - robbery and safe burglary ($)
Cash only forms - CQ
, Other than Cash forms - DEH
Forms that cover both - FG
Homeowners Policy Coverages
Sect I -
A-
B-
C- D-
Add. Cov -
Sect II -
E-
F-
Supp Pay -
Endorsements - - ANSWERwer-Sect I - Property
A - Dwelling (80%-100% Value of home)
B - Other Structure (10%A)
C - Personal Property (50%A)
D - Loss of Use (~30%A)
Add. Cov - Trees/Shrubs/Plants, Debris Removal, Fire Dept, Reasonable Repairs, Lost Earnings
Sect II - Liability
E - Personal Liability (100K)
F - Medical Payments (1K - 3rd party only)
Supp Pay - First Aid to Others, Damage to the Property of Others, Loss Assessment (1K)
Endorsements - Mobile Home, Earthquake, Personal Property Replacement Cost, Scheduling, Inflation
Guard, Sewer/Septic, etc
On what policy does Medical Payment pay to both 1st and 3rd parties? - ANSWERwer-Personal Auto
Policy
/ GA CLAIMS ADJUSTER EXAM 130 QUESTIONS AND
CORRECT DETAILED ANSWERWERS WITH
RATIONALES|ALREADY GRADED A+
Q1
The action which, in a natural and continual sequence, produces a loss is known as the:
A. indemnity causation
B. primal causation
C. approximate cause
D. proximate cause - ANSWERwer-D. proximate cause
Required discounts to offer on GA auto policies - ANSWERwer-Defensive driving and good student
discount; must offer at least 10% discount
True or False
For someone who is less than 25 years old qualify for the Defensive Driving Discount, they must have:
1 - committed no traffic offenses for the previous five (5) years or since licensure, whichever is shorter
2 - no at-fault claims against insurer in the previous three (3) years
3 - complete an approved Driver's Training course of not less than thirty (30) hours - ANSWERwer-
False - error in requirement 1: no traffic offenses in the previous THREE(3) years, not five.
Where can you find the customized equipment endorsement? What kind of limit is used? -
ANSWERwer-On the Personal Auto Policy; scheduled limits are used on customized equipment
Additional Insured - ANSWERwer-An individual or organization listed as covered by a primary
insurance agreement AKA the Zuckerburg endorsement.
Can two people share a single coverage of a car? - ANSWERwer-Yes if they are co-owners. They will
need the Joint Ownership Coverage Endorsement.
,Additional coverage limits on Dwelling Policies. - ANSWERwer-Additional coverages are 10% of the
limit of A under Coverage E - Additional Living Expenses. This only applies to DP2 and DP3.
Collapse is a peril or additional coverage? - ANSWERwer-Additional coverage - causes of collapse
would be perils though, such as weight of ice or windstorm.
Crime Coverage Forms
A- B
- C-
D-
E-
F- G-
H- Q
-
Cash only forms - Other
than Cash forms -
Forms that cover both - - ANSWERwer-Crime Coverage Forms
A - employee dishonesty
B - forgery and alteration
C - theft, disappearance, destruction
D - robbery and safe burglary (PP)
E - premises burglary
F - computer fraud
G - extortion
H - premises theft/outside robbery
Q - robbery and safe burglary ($)
Cash only forms - CQ
, Other than Cash forms - DEH
Forms that cover both - FG
Homeowners Policy Coverages
Sect I -
A-
B-
C- D-
Add. Cov -
Sect II -
E-
F-
Supp Pay -
Endorsements - - ANSWERwer-Sect I - Property
A - Dwelling (80%-100% Value of home)
B - Other Structure (10%A)
C - Personal Property (50%A)
D - Loss of Use (~30%A)
Add. Cov - Trees/Shrubs/Plants, Debris Removal, Fire Dept, Reasonable Repairs, Lost Earnings
Sect II - Liability
E - Personal Liability (100K)
F - Medical Payments (1K - 3rd party only)
Supp Pay - First Aid to Others, Damage to the Property of Others, Loss Assessment (1K)
Endorsements - Mobile Home, Earthquake, Personal Property Replacement Cost, Scheduling, Inflation
Guard, Sewer/Septic, etc
On what policy does Medical Payment pay to both 1st and 3rd parties? - ANSWERwer-Personal Auto
Policy
