CONNECTICUT ALL-LINES EXCEPT
WORKERS COMP ADJUSTER
LICENSING COURSE
Eachooofootheoofollowingoopeopleoowouldoobeooanooinsuredooforooautooomedicaloopayment
soocoverageoounderooBobooMiller'soobusinessooautooopolicy,ooEXCEPT
a.ooBobooMilleroo(theoonamedooinsured),oostruckoobyooanooautooowhileoowalkingooacrossoot
heoostreet.ooTheooautooowasoonotooaoocoveredooauto.
b.ooMelooCarpenter,ooBob'sooneighbor,oooccupyingooaoocoveredooauto.
c.ooFrankooThomas,ooBob'soo17-year-
oldooson,oooccupyingooanooautooothatooisoonotooaoocoveredooauto.ooFrankoolivesoowithoohis
oomother,oowhoooisoodivorcedoofromooBob.
d.ooMaryooThomas,ooBob'sooex-wife,oooccupyingooaoocoveredooauto.oo-ooans--
C;ooFrankooThomas,ooBob'soo17-year-
oldooson,oooccupyingooanooautooothatooisoonotooaoocoveredooauto.ooFrankoolivesoowithoohis
oomother,oowhoooisoodivorcedoofromooBob.
Anoo"open-ended"ooreleaseoopertainsooto:
a.ooAnyooandooallooreleases.
b.ooAooreleaseooinvolvingooanooattorney.
c.ooAooconditionaloooroopartialoorelease.
d.ooAooreleaseoowhereooexpensesoohaveoobeenoopaidoo-ooans--
C;ooAooconditionaloooroopartialoorelease
Whichooofootheoofollowingooisooaooviolationooofootheoounfairooclaimsoopracticeoolaws?
a.ooKnowinglyoomisrepresentingootoooinsuredsoooroothird-
partyooclaimantsoopertinentoofactsoooroopolicyooprovisionsoorelatingootooocoveragesooatoois
sue,ooorooprovidingoomisleadingooinformationoowithoorespectootoootheoocoverages
b.ooFailingootoooacknowledgeoowithooreasonableoopromptnessoopertinentoocommunication
soowithoorespectootoooaooclaim
c.ooFailingootoooadoptooandooimplementooreasonableoostandardsooforootheoopromptooinves
tigationooandoosettlementooofooclaims
d.ooAllooareooviolationsoo-ooans--D;ooAllooareooviolations
Afterooanooautooocollisionoolossooanooinsuranceoocompanyoomayooelectootooopayootheooins
ured'sooclaimooandootakeoopossessionooofootheoovehicle.ooThisoopracticeooisooreferredootoo
oas:
a.ooSalvage
b.ooSubrogation
,c.ooWarranty
d.ooDeductibleoo-ooans--A;ooSalvage
WhichooofootheoofollowingoowouldooNOToobeoofoundooinootheooconditionsoosectionooofooan
ooinsuranceoopolicy?
a.ooSubrogationoorights
b.ooDutiesooofootheooInsured
c.ooInsuranceoopremium
d.ooMortgageooclauseoo-ooans--C;ooInsuranceooPremium
Whatoodoesootheootermoo"bailment"oomean?
a.ooTransferooofoopossession
b.ooTransferooofoopossessionooandootemporaryootitle
c.ooTransferooofootitle
d.ooTemporaryooreleaseoofromoojailoo-ooans--A;ooTransferooofoopossession
Whichooofootheoofollowingoocoveragesooisooincludedooinooaoopersonalooautooopolicyoowitho
utoohavingootoooissueooanooendorsement?
a.ooTransportationooExpenses
b.ooTowingooandooLaborooCosts
c.ooMisc.ooTypeooVehicles
d.ooNamedooNonowneroo-ooans--A;ooTransportationooExpenses
Aoofidelityoobondooisoodesignedootoooprotectootheooemployerooagainst:
a.ooDamageootooopropertyooonoowhichooheooisooworking
b.ooSlanderoooroolibel
c.ooPersonalooinjury
d.ooTheftoobyooanooemployeeoo-ooans--D;ooTheftoobyooanooemployee
Whichooofootheoofollowingoolossesoowouldoobeoocoveredoounderoogaragekeeper'soolegalool
iabilityoocoverage?
a.ooTheftooofooaoocustomer'sooAM/FMoostereoooradiooopermanentlyooinstalled.
b.ooTheftooofooequipmentoofromooaoocoveredooauto.ooTheootheftoowasoocommittedoobyooao
ogarageooemployee.
c.ooFaultyooworkooperformedoobyootheoonamedooinsured.
d.ooLossootoooCD'soofromooaoocoveredooauto.oo-ooans--
A;ooTheftooofooaoocustomer'sooAM/FMoostereoooradiooopermanentlyooinstalled
BobooandooPete'sooUsedooCarsoohasoopurchasedooaoogarageoopolicyoowithoodealersoophy
sicaloodamageooonootheoocarsooownedoobyootheoodealershipooatooitsoolocation.ooPeteoogoe
sootoooanooautoooauctionoo150oomilesooaway,oopurchasesoovehiclesooandoodrivesoothemoo
backootoootheoodealership.ooWhichooendorsement,ooifooany,ooisoonecessaryootooocoverooth
isooexposure?
a.ooDriveooOtherooCarooCoverage
b.ooHiredooautooospecifiedooasooCoveredooAutosooYouooOwn
c.ooNonooOwnedooAutoooCoverage
,d.ooDealersooDriveooAwayooCollisionoo-ooans--D;ooDealersooDriveooAwayooCollision
Whichooofootheoofollowingoocanoobeoocategorizedooasooliabilityoodoctrines?
a.ooStrict
b.ooVicarious
c.ooResooIpsaooLoquitur
d.ooAllooareoocorrectoo-ooans--D;ooAllooresponsesooareoocorrect
TheoonewerooCGLooformoonowooincludesooasooinsured'soowhichooofootheoofollowing?
a.ooVolunteerooEmployees
b.ooPeopleoonotooemployedoobyootheooinsuredoowhooohelpootoooloadooandoounloadootrucks
oobyoohand
c.ooEmployeesooofooSub-contractors
d.ooOwnersooofooboatsoorentedoobyootheooinsuredooforoobusinessoouseoo-ooans--
A;ooVolunteerooEmployees
Aootortoois:
I.ooAoociviloowrong.
II.ooAoolegalooobligation.
a.ooIooonly
b.ooIIooonly
c.ooBothooIooandooII
d.ooNeitherooIoonorooIIoo-ooans--A;ooIooonly
Theooinsuredooisooaootruckingoocompanyoothatoocarriesoocargo.ooOneooofootheooinsuredootr
ucksooisooinvolvedooinooanooaccidentooandootheoogoodsooitooisootransportingooareoodamag
ed.ooWhichooofootheoofollowingoocoveragesoowouldoorespondootooocoveroothisooloss?
a.ooTheoocommercialooautooopolicyoowouldoorespondooandoopayoounderoo"propertyoodama
ge".
b.ooAoogeneralooliabilityoopolicy
c.ooAnooinlandoomarineoomotorootruckoocargooopolicy
d.ooAoocommercialooumbrellaoopolicyoo-ooans--
C;ooAnooinlandoomarineoomotorootruckoocargooopolicy
Whichoooneooofootheoofollowingooisoonotooanooexampleooofooanoounfairooclaimoosettlemento
opractice?
a.ooKnowinglyoomisrepresentingoopertinentoofactsootoooclaimants
b.ooFailingootoooacknowledgeoocommunicationoowithinooaooreasonablyoopromptooperiod
c.ooFailingootoooexamineooaooclaimantoounderoooath
d.ooNotooattemptingooinoogoodoofaithootooopromptlyoosettleooaooclaimoowhenooliabilityooisooc
learoo-ooans--C;ooFailingootoooexamineooaooclaimantoounderoooath
WhichoostatementooisootrueooaboutootheoolimitsooofooliabilityoounderooaooCommercialooGen
eralooLiabilityoopolicy?
, a.ooTheyooareootheoomaximumooamountsootooobeoopaidooinootheooeventooofooaoocoveredool
oss
b.ooTheyooareoonotoopartooofooreservesooforoopendingooclaims
c.ooIfooinsufficient,ootheyoocanoobeooincreasedooatootheootimeooofooloss
d.ooTheyoorepresentoopaymentsoounderooSupplementaryooPaymentsoocoverageoo-ooans--
A;ooTheyooareootheoomaximumooamountsootooobeoopaidooinootheooeventooofooaoocoveredool
oss
Georgeooisootheoonamedooinsuredoounderooaooclaims-
madeooCGLoopolicyoowithooaooretroactiveoodateooofooJulyoo1,oo2005,ooandooaoopolicyooperi
odooofooJanuaryoo1,oo2011ootoooJanuaryoo1,oo2012.ooTheoopolicyoowasoonotoorenewedooa
ndooallowedootoooexpire.ooOnooFebruaryoo10,oo2012,ooaooclaimooisoomadeooagainstooGeor
geooforoopropertyoodamageoothatoooccurredooonooDecemberoo31,oo2005.ooThisooclaim:
a.ooWilloobeoocoveredoounderootheooautomaticoo60-
dayooextendedooreportingooperiodooifooGeorgeoohasoonooootherooinsuranceoothatooapplies.
b.ooIsoonotoocovered,oobutoowouldoobeooifooGeorge'soopolicyoowereoowrittenooonooanoooccu
rrenceoobasis.
c.ooIsoonotoocoveredoobecauseootheoooccurrenceoodidoonotootakeooplaceooduringootheoopol
icyooperiod.
d.ooIsoonotoocoveredoobecauseootheoooccurrenceootookooplaceooafterootheooretroactiveood
ate.oo-ooans--A;ooWilloobeoocoveredoounderootheooautomaticoo60-
dayooextendedooreportingooperiodooifooGeorgeoohasoonooootherooinsuranceoothatooapplies.
WhichooofootheoofollowingoowouldoobeooexcludedoounderootheooPersonalooAutoooliabilityooc
overage?
a.ooAoopersonootransportsoopeopleoofromootheooairportootooonearbyoohotelsooforooaoofee.
b.ooAoopersonoousesoohisoocarootoootransportoohisooworkmatesooonceooperooweekooinooaoo
caroopool.
c.ooAoopersonooborrowsooaoofriend'soovehicleootoootravelootoootheooairport.
d.ooAoopersonoogetsooaoospeedingooticketooinooadditionootooobeingoocitedooforooanooaccide
nt.oo-ooans--
A;ooAoopersonootransportsoopeopleoofromootheooairportootooonearbyoohotelsooforooaoofee
Aoomainoostreetoobusinessoohasoosufferedooanooexplosionoolossoofromooaoohotoowateroohe
atingooboiler.ooTheoocivilooauthoritiesoohaveooblockedoooffootheoostreetooandootheooinsured'
soocustomersoocannotoogetootooohisoostore.ooTheooinsuredoocarriesooaooBusinessownersoo
Policy.ooHeoosustainsooaoolossooofooincome.ooBeforeoohisoopolicyoowilloopayooanyoolossooof
ooincomeoothereooisooaoo______houroowaitingooperiodooandootheoopolicyoowilloothenoopayoo
foroolossooofooincomeooupootooo_____weeks.
a.oo72oo/oofourooweeks
b.oo24oo/ootwoooweeks
c.oo12oo/oofourooweeks
d.oo48oo/oothreeooweeksoo-ooans--A;oo72oohoursoo/oofourooweeks
Aoovalidoocontractoomustoocontainooallooofootheoofollowing,ooEXCEPT:
a.ooBeooaoowrittenooinstrument
WORKERS COMP ADJUSTER
LICENSING COURSE
Eachooofootheoofollowingoopeopleoowouldoobeooanooinsuredooforooautooomedicaloopayment
soocoverageoounderooBobooMiller'soobusinessooautooopolicy,ooEXCEPT
a.ooBobooMilleroo(theoonamedooinsured),oostruckoobyooanooautooowhileoowalkingooacrossoot
heoostreet.ooTheooautooowasoonotooaoocoveredooauto.
b.ooMelooCarpenter,ooBob'sooneighbor,oooccupyingooaoocoveredooauto.
c.ooFrankooThomas,ooBob'soo17-year-
oldooson,oooccupyingooanooautooothatooisoonotooaoocoveredooauto.ooFrankoolivesoowithoohis
oomother,oowhoooisoodivorcedoofromooBob.
d.ooMaryooThomas,ooBob'sooex-wife,oooccupyingooaoocoveredooauto.oo-ooans--
C;ooFrankooThomas,ooBob'soo17-year-
oldooson,oooccupyingooanooautooothatooisoonotooaoocoveredooauto.ooFrankoolivesoowithoohis
oomother,oowhoooisoodivorcedoofromooBob.
Anoo"open-ended"ooreleaseoopertainsooto:
a.ooAnyooandooallooreleases.
b.ooAooreleaseooinvolvingooanooattorney.
c.ooAooconditionaloooroopartialoorelease.
d.ooAooreleaseoowhereooexpensesoohaveoobeenoopaidoo-ooans--
C;ooAooconditionaloooroopartialoorelease
Whichooofootheoofollowingooisooaooviolationooofootheoounfairooclaimsoopracticeoolaws?
a.ooKnowinglyoomisrepresentingootoooinsuredsoooroothird-
partyooclaimantsoopertinentoofactsoooroopolicyooprovisionsoorelatingootooocoveragesooatoois
sue,ooorooprovidingoomisleadingooinformationoowithoorespectootoootheoocoverages
b.ooFailingootoooacknowledgeoowithooreasonableoopromptnessoopertinentoocommunication
soowithoorespectootoooaooclaim
c.ooFailingootoooadoptooandooimplementooreasonableoostandardsooforootheoopromptooinves
tigationooandoosettlementooofooclaims
d.ooAllooareooviolationsoo-ooans--D;ooAllooareooviolations
Afterooanooautooocollisionoolossooanooinsuranceoocompanyoomayooelectootooopayootheooins
ured'sooclaimooandootakeoopossessionooofootheoovehicle.ooThisoopracticeooisooreferredootoo
oas:
a.ooSalvage
b.ooSubrogation
,c.ooWarranty
d.ooDeductibleoo-ooans--A;ooSalvage
WhichooofootheoofollowingoowouldooNOToobeoofoundooinootheooconditionsoosectionooofooan
ooinsuranceoopolicy?
a.ooSubrogationoorights
b.ooDutiesooofootheooInsured
c.ooInsuranceoopremium
d.ooMortgageooclauseoo-ooans--C;ooInsuranceooPremium
Whatoodoesootheootermoo"bailment"oomean?
a.ooTransferooofoopossession
b.ooTransferooofoopossessionooandootemporaryootitle
c.ooTransferooofootitle
d.ooTemporaryooreleaseoofromoojailoo-ooans--A;ooTransferooofoopossession
Whichooofootheoofollowingoocoveragesooisooincludedooinooaoopersonalooautooopolicyoowitho
utoohavingootoooissueooanooendorsement?
a.ooTransportationooExpenses
b.ooTowingooandooLaborooCosts
c.ooMisc.ooTypeooVehicles
d.ooNamedooNonowneroo-ooans--A;ooTransportationooExpenses
Aoofidelityoobondooisoodesignedootoooprotectootheooemployerooagainst:
a.ooDamageootooopropertyooonoowhichooheooisooworking
b.ooSlanderoooroolibel
c.ooPersonalooinjury
d.ooTheftoobyooanooemployeeoo-ooans--D;ooTheftoobyooanooemployee
Whichooofootheoofollowingoolossesoowouldoobeoocoveredoounderoogaragekeeper'soolegalool
iabilityoocoverage?
a.ooTheftooofooaoocustomer'sooAM/FMoostereoooradiooopermanentlyooinstalled.
b.ooTheftooofooequipmentoofromooaoocoveredooauto.ooTheootheftoowasoocommittedoobyooao
ogarageooemployee.
c.ooFaultyooworkooperformedoobyootheoonamedooinsured.
d.ooLossootoooCD'soofromooaoocoveredooauto.oo-ooans--
A;ooTheftooofooaoocustomer'sooAM/FMoostereoooradiooopermanentlyooinstalled
BobooandooPete'sooUsedooCarsoohasoopurchasedooaoogarageoopolicyoowithoodealersoophy
sicaloodamageooonootheoocarsooownedoobyootheoodealershipooatooitsoolocation.ooPeteoogoe
sootoooanooautoooauctionoo150oomilesooaway,oopurchasesoovehiclesooandoodrivesoothemoo
backootoootheoodealership.ooWhichooendorsement,ooifooany,ooisoonecessaryootooocoverooth
isooexposure?
a.ooDriveooOtherooCarooCoverage
b.ooHiredooautooospecifiedooasooCoveredooAutosooYouooOwn
c.ooNonooOwnedooAutoooCoverage
,d.ooDealersooDriveooAwayooCollisionoo-ooans--D;ooDealersooDriveooAwayooCollision
Whichooofootheoofollowingoocanoobeoocategorizedooasooliabilityoodoctrines?
a.ooStrict
b.ooVicarious
c.ooResooIpsaooLoquitur
d.ooAllooareoocorrectoo-ooans--D;ooAllooresponsesooareoocorrect
TheoonewerooCGLooformoonowooincludesooasooinsured'soowhichooofootheoofollowing?
a.ooVolunteerooEmployees
b.ooPeopleoonotooemployedoobyootheooinsuredoowhooohelpootoooloadooandoounloadootrucks
oobyoohand
c.ooEmployeesooofooSub-contractors
d.ooOwnersooofooboatsoorentedoobyootheooinsuredooforoobusinessoouseoo-ooans--
A;ooVolunteerooEmployees
Aootortoois:
I.ooAoociviloowrong.
II.ooAoolegalooobligation.
a.ooIooonly
b.ooIIooonly
c.ooBothooIooandooII
d.ooNeitherooIoonorooIIoo-ooans--A;ooIooonly
Theooinsuredooisooaootruckingoocompanyoothatoocarriesoocargo.ooOneooofootheooinsuredootr
ucksooisooinvolvedooinooanooaccidentooandootheoogoodsooitooisootransportingooareoodamag
ed.ooWhichooofootheoofollowingoocoveragesoowouldoorespondootooocoveroothisooloss?
a.ooTheoocommercialooautooopolicyoowouldoorespondooandoopayoounderoo"propertyoodama
ge".
b.ooAoogeneralooliabilityoopolicy
c.ooAnooinlandoomarineoomotorootruckoocargooopolicy
d.ooAoocommercialooumbrellaoopolicyoo-ooans--
C;ooAnooinlandoomarineoomotorootruckoocargooopolicy
Whichoooneooofootheoofollowingooisoonotooanooexampleooofooanoounfairooclaimoosettlemento
opractice?
a.ooKnowinglyoomisrepresentingoopertinentoofactsootoooclaimants
b.ooFailingootoooacknowledgeoocommunicationoowithinooaooreasonablyoopromptooperiod
c.ooFailingootoooexamineooaooclaimantoounderoooath
d.ooNotooattemptingooinoogoodoofaithootooopromptlyoosettleooaooclaimoowhenooliabilityooisooc
learoo-ooans--C;ooFailingootoooexamineooaooclaimantoounderoooath
WhichoostatementooisootrueooaboutootheoolimitsooofooliabilityoounderooaooCommercialooGen
eralooLiabilityoopolicy?
, a.ooTheyooareootheoomaximumooamountsootooobeoopaidooinootheooeventooofooaoocoveredool
oss
b.ooTheyooareoonotoopartooofooreservesooforoopendingooclaims
c.ooIfooinsufficient,ootheyoocanoobeooincreasedooatootheootimeooofooloss
d.ooTheyoorepresentoopaymentsoounderooSupplementaryooPaymentsoocoverageoo-ooans--
A;ooTheyooareootheoomaximumooamountsootooobeoopaidooinootheooeventooofooaoocoveredool
oss
Georgeooisootheoonamedooinsuredoounderooaooclaims-
madeooCGLoopolicyoowithooaooretroactiveoodateooofooJulyoo1,oo2005,ooandooaoopolicyooperi
odooofooJanuaryoo1,oo2011ootoooJanuaryoo1,oo2012.ooTheoopolicyoowasoonotoorenewedooa
ndooallowedootoooexpire.ooOnooFebruaryoo10,oo2012,ooaooclaimooisoomadeooagainstooGeor
geooforoopropertyoodamageoothatoooccurredooonooDecemberoo31,oo2005.ooThisooclaim:
a.ooWilloobeoocoveredoounderootheooautomaticoo60-
dayooextendedooreportingooperiodooifooGeorgeoohasoonooootherooinsuranceoothatooapplies.
b.ooIsoonotoocovered,oobutoowouldoobeooifooGeorge'soopolicyoowereoowrittenooonooanoooccu
rrenceoobasis.
c.ooIsoonotoocoveredoobecauseootheoooccurrenceoodidoonotootakeooplaceooduringootheoopol
icyooperiod.
d.ooIsoonotoocoveredoobecauseootheoooccurrenceootookooplaceooafterootheooretroactiveood
ate.oo-ooans--A;ooWilloobeoocoveredoounderootheooautomaticoo60-
dayooextendedooreportingooperiodooifooGeorgeoohasoonooootherooinsuranceoothatooapplies.
WhichooofootheoofollowingoowouldoobeooexcludedoounderootheooPersonalooAutoooliabilityooc
overage?
a.ooAoopersonootransportsoopeopleoofromootheooairportootooonearbyoohotelsooforooaoofee.
b.ooAoopersonoousesoohisoocarootoootransportoohisooworkmatesooonceooperooweekooinooaoo
caroopool.
c.ooAoopersonooborrowsooaoofriend'soovehicleootoootravelootoootheooairport.
d.ooAoopersonoogetsooaoospeedingooticketooinooadditionootooobeingoocitedooforooanooaccide
nt.oo-ooans--
A;ooAoopersonootransportsoopeopleoofromootheooairportootooonearbyoohotelsooforooaoofee
Aoomainoostreetoobusinessoohasoosufferedooanooexplosionoolossoofromooaoohotoowateroohe
atingooboiler.ooTheoocivilooauthoritiesoohaveooblockedoooffootheoostreetooandootheooinsured'
soocustomersoocannotoogetootooohisoostore.ooTheooinsuredoocarriesooaooBusinessownersoo
Policy.ooHeoosustainsooaoolossooofooincome.ooBeforeoohisoopolicyoowilloopayooanyoolossooof
ooincomeoothereooisooaoo______houroowaitingooperiodooandootheoopolicyoowilloothenoopayoo
foroolossooofooincomeooupootooo_____weeks.
a.oo72oo/oofourooweeks
b.oo24oo/ootwoooweeks
c.oo12oo/oofourooweeks
d.oo48oo/oothreeooweeksoo-ooans--A;oo72oohoursoo/oofourooweeks
Aoovalidoocontractoomustoocontainooallooofootheoofollowing,ooEXCEPT:
a.ooBeooaoowrittenooinstrument
