CA ADJUSTER LICENSE STUDY QUESTIONS
WITH CORRECT ANSWERS 2025
WhileQatQwork,QJamieQoftenQusesQtheQcompanyQcarQtoQpickQupQsupplies.QWhatQcanQcoverQJamieQifQ
sheQgetsQintoQanQaccidentQinQthisQcar?Q-QCORRECTQANSWERQ-
AnQEmployeeQasQAdditionalQInsuredQendorsementQonQtheQcompany'sQbusinessQautoQpolicy
WhichQofQtheseQincidentsQisQNOTQanQexampleQofQnegligenceQonQtheQpartQofQtheQbusiness?Q-
QCORRECTQANSWERQ-
.QAQgasQstationQclerkQnoticesQaQlargeQpuddleQinQtheQmiddleQofQtheQfloor,QbutQwaitsQ10QminutesQtoQ
cleanQitQup,QduringQwhichQtimeQaQcustomerQslipsQandQbreaksQherQarm.
B.QAQgroceryQstoreQemployeeQclosesQanQaisleQafterQmoppingQit,QbutQaQshopperQneedsQsomethingQf
romQthatQaisle,QsoQheQstepsQoverQtheQsignQandQfalls,QinjuringQhimself.
C.QAQpizzaQdeliveryQdriverQgetsQintoQanQaccidentQwhileQadjustingQhisQcarQradio.
D.QTheQownerQofQaQcraftingQstoreQaccidentallyQleavesQaQlitQcandleQonQherQdeskQwhenQsheQclosesQu
pQforQtheQnightQandQtheQstoreQburnsQdown.
AnswerQ:QB
JacobQaccidentlyQveeredQoffQtheQroadQandQranQintoQtheQboatQhisQneighborQEricQhasQparkedQinQfron
tQofQhisQhouse,QcausingQEricQ$3,000QinQdamage.QJacob'sQautoQpolicyQhasQaQ$500QcollisionQdeductib
le.QHowQmuchQwillQJacob'sQautoQpolicyQpayQEric?Q-QCORRECTQANSWERQ-
$3,000QunderQliabilityQcoverage
Edna'sQpropertyQwasQpartiallyQdamagedQbyQaQcoveredQperil.QBut,QsheQfailedQtoQtakeQanyQactionQto
QprotectQherQpropertyQfromQfurtherQdamage,QandQbeforeQtheQadjusterQcameQoutQtoQinspectQit,Qth
eQdamageQwasQworsenedQbyQanotherQperil.QTheQadjusterQdeniesQherQclaimQandQrefersQEdnaQtoQth
eQ_______QsectionQofQherQpolicyQwhichQlistsQtheQrequirementQsheQfailedQtoQmeetQasQtheQreasonQf
orQtheQdenial.Q-QCORRECTQANSWERQ-Conditions
WhichQendorsementQwouldQGeorgeQneedQtoQaddQtoQextendQhisQPersonalQAutoQpolicy'sQcoverageQ
toQhisQdaughterQwhoQlivesQonQherQown?Q-QCORRECTQANSWERQ-JointQownershipQcoverage
WITH CORRECT ANSWERS 2025
WhileQatQwork,QJamieQoftenQusesQtheQcompanyQcarQtoQpickQupQsupplies.QWhatQcanQcoverQJamieQifQ
sheQgetsQintoQanQaccidentQinQthisQcar?Q-QCORRECTQANSWERQ-
AnQEmployeeQasQAdditionalQInsuredQendorsementQonQtheQcompany'sQbusinessQautoQpolicy
WhichQofQtheseQincidentsQisQNOTQanQexampleQofQnegligenceQonQtheQpartQofQtheQbusiness?Q-
QCORRECTQANSWERQ-
.QAQgasQstationQclerkQnoticesQaQlargeQpuddleQinQtheQmiddleQofQtheQfloor,QbutQwaitsQ10QminutesQtoQ
cleanQitQup,QduringQwhichQtimeQaQcustomerQslipsQandQbreaksQherQarm.
B.QAQgroceryQstoreQemployeeQclosesQanQaisleQafterQmoppingQit,QbutQaQshopperQneedsQsomethingQf
romQthatQaisle,QsoQheQstepsQoverQtheQsignQandQfalls,QinjuringQhimself.
C.QAQpizzaQdeliveryQdriverQgetsQintoQanQaccidentQwhileQadjustingQhisQcarQradio.
D.QTheQownerQofQaQcraftingQstoreQaccidentallyQleavesQaQlitQcandleQonQherQdeskQwhenQsheQclosesQu
pQforQtheQnightQandQtheQstoreQburnsQdown.
AnswerQ:QB
JacobQaccidentlyQveeredQoffQtheQroadQandQranQintoQtheQboatQhisQneighborQEricQhasQparkedQinQfron
tQofQhisQhouse,QcausingQEricQ$3,000QinQdamage.QJacob'sQautoQpolicyQhasQaQ$500QcollisionQdeductib
le.QHowQmuchQwillQJacob'sQautoQpolicyQpayQEric?Q-QCORRECTQANSWERQ-
$3,000QunderQliabilityQcoverage
Edna'sQpropertyQwasQpartiallyQdamagedQbyQaQcoveredQperil.QBut,QsheQfailedQtoQtakeQanyQactionQto
QprotectQherQpropertyQfromQfurtherQdamage,QandQbeforeQtheQadjusterQcameQoutQtoQinspectQit,Qth
eQdamageQwasQworsenedQbyQanotherQperil.QTheQadjusterQdeniesQherQclaimQandQrefersQEdnaQtoQth
eQ_______QsectionQofQherQpolicyQwhichQlistsQtheQrequirementQsheQfailedQtoQmeetQasQtheQreasonQf
orQtheQdenial.Q-QCORRECTQANSWERQ-Conditions
WhichQendorsementQwouldQGeorgeQneedQtoQaddQtoQextendQhisQPersonalQAutoQpolicy'sQcoverageQ
toQhisQdaughterQwhoQlivesQonQherQown?Q-QCORRECTQANSWERQ-JointQownershipQcoverage