Louisiana Claims Adjuster Exam QUESTIONS WITH 100%
VERIFIED ANSWERS/////UPDATED VERSION 2025
The coverage territory of the Business Auto form
provides for "worldwide liability coverage" for private
passenger autos that the insured:
a) Hires, leases, rents or borrows without a driver while
outside the United States, its territories and possessions.
b) Purchases while outside the United States, its
territories and possessions.
c) Sells while outside the United States, its territories and
possessions.
d) Occupies while outside the United States, its territories
and possessions.======Hires, leases, rents or borrows
without a driver while outside the United States, its
territories and possessions..
,Which of the following dwelling types would be eligible
for the Limited Theft coverage endorsement to their
Dwelling policy?======A nonowner-occupied one-family
dwelling.
Which of the following shows a correct sequence of
activities for an adjuster when negotiating a
claim?======Acknowledging the claim, then opening a
line of communication with the insured or claimant..
A slippery floor is an example of:======A physical
hazard.
An insured suffers a partial fire loss to his residence.
Under an HO-3 policy what insuring agreement is
available to pay for temporary, alternate living
quarters?======Coverage D
Which of the following is the BEST explanation as to the
reason insurance policies are called "unilateral
contracts"?======Because the insurance company is the
only party to the contract that can be sued if they do not
meet the terms..
Which of the following terms means "liability through
another person"?======Vicarious/Imputed liability
,All of the following are duties of the insured after a loss,
EXCEPT:
Answer Choices:Select the Correct Answer
a) Promptly hiring a public adjuster to assist in presenting
the claim to the insurance company.
b) Promptly reporting the loss to the insurer.
c) Cooperating with the insurer in the investigation of the
claim by providing the information requested by the
adjuster.
d) Submitting to an examination under oath (EUO) if
requested by the insurer.======Promptly hiring a public
adjuster to assist in presenting the claim to the insurance
company
The "liberalization clause" of an insurance policy:
, a) States that if an insurer decides to broaden its
standard policy coverages, then all outstanding policies
issued prior to that decision will automatically receive
those new coverages at no additional premium.
b) States that the insurer retains the right to suspend or
cancel the policy at any time during the policy period.
c) States that if a mortgage company liberalizes its loan
agreement with the named insured, the insurer must be
sent the revised wording within 60 days.
d) States that if the insurer broadens its underwriting
eligibility requirements, all previously denied applicants
must be notified within 60 days.======States that if an
insurer decides to broaden its standard policy coverages,
then all outstanding policies issued prior to that decision
will automatically receive those new coverages at no
additional premium.
When an insurer files a declaratory judgement action
with a court of law, all of the following questions will be
resolved by the court, EXCEPT:
VERIFIED ANSWERS/////UPDATED VERSION 2025
The coverage territory of the Business Auto form
provides for "worldwide liability coverage" for private
passenger autos that the insured:
a) Hires, leases, rents or borrows without a driver while
outside the United States, its territories and possessions.
b) Purchases while outside the United States, its
territories and possessions.
c) Sells while outside the United States, its territories and
possessions.
d) Occupies while outside the United States, its territories
and possessions.======Hires, leases, rents or borrows
without a driver while outside the United States, its
territories and possessions..
,Which of the following dwelling types would be eligible
for the Limited Theft coverage endorsement to their
Dwelling policy?======A nonowner-occupied one-family
dwelling.
Which of the following shows a correct sequence of
activities for an adjuster when negotiating a
claim?======Acknowledging the claim, then opening a
line of communication with the insured or claimant..
A slippery floor is an example of:======A physical
hazard.
An insured suffers a partial fire loss to his residence.
Under an HO-3 policy what insuring agreement is
available to pay for temporary, alternate living
quarters?======Coverage D
Which of the following is the BEST explanation as to the
reason insurance policies are called "unilateral
contracts"?======Because the insurance company is the
only party to the contract that can be sued if they do not
meet the terms..
Which of the following terms means "liability through
another person"?======Vicarious/Imputed liability
,All of the following are duties of the insured after a loss,
EXCEPT:
Answer Choices:Select the Correct Answer
a) Promptly hiring a public adjuster to assist in presenting
the claim to the insurance company.
b) Promptly reporting the loss to the insurer.
c) Cooperating with the insurer in the investigation of the
claim by providing the information requested by the
adjuster.
d) Submitting to an examination under oath (EUO) if
requested by the insurer.======Promptly hiring a public
adjuster to assist in presenting the claim to the insurance
company
The "liberalization clause" of an insurance policy:
, a) States that if an insurer decides to broaden its
standard policy coverages, then all outstanding policies
issued prior to that decision will automatically receive
those new coverages at no additional premium.
b) States that the insurer retains the right to suspend or
cancel the policy at any time during the policy period.
c) States that if a mortgage company liberalizes its loan
agreement with the named insured, the insurer must be
sent the revised wording within 60 days.
d) States that if the insurer broadens its underwriting
eligibility requirements, all previously denied applicants
must be notified within 60 days.======States that if an
insurer decides to broaden its standard policy coverages,
then all outstanding policies issued prior to that decision
will automatically receive those new coverages at no
additional premium.
When an insurer files a declaratory judgement action
with a court of law, all of the following questions will be
resolved by the court, EXCEPT:
