Adjuster Pro 2 exam
study guide questions
and answers
HO Coverage F – Medical Payments to Others
What is Coverage F?
"Good will" coverage that pays the medical bills of others in an
accident, regardless of fault or liability
What is the minimum limit for Coverage F?
$1,000
What expenses does Coverage F cover if claimed within three years of
the accident?
Medical and surgical care
X-rays
Dental services
,Ambulance, hospital, and professional services
Durable medical equipment (DME)
Funeral services
Section II – Additional Coverages
What additional coverages are included in Section II?
Claim expenses
First aid expenses
Damage to property of others
Loss assessment (excluding assessments by a government body)
HO Liability Coverage Exclusions
Coverage E exclusions:
The insured
,Damage caused by the insured
Bodily injury to a person covered by workers’ comp
Coverage F exclusions:
Same as Coverage E
Anyone living at the residence
Nuclear relatives
Exclusions applying to both E & F:
Intentional or malicious harm
War
Disease
Sexual molestation or abuse caused by insured
, Drug use, sale, manufacturing, or possession
HO Endorsements (Higher Premium)
What can be added with endorsements?
Sinkholes
Sewer backup (up to $5,000, deductible applies)
Earthquakes
Ordinance of law
Replacement cost instead of ACV
Inflation guard
Scheduled personal property (e.g., jewelry, furs, collectibles)
Insurance Math
How do you calculate the insurance value?
study guide questions
and answers
HO Coverage F – Medical Payments to Others
What is Coverage F?
"Good will" coverage that pays the medical bills of others in an
accident, regardless of fault or liability
What is the minimum limit for Coverage F?
$1,000
What expenses does Coverage F cover if claimed within three years of
the accident?
Medical and surgical care
X-rays
Dental services
,Ambulance, hospital, and professional services
Durable medical equipment (DME)
Funeral services
Section II – Additional Coverages
What additional coverages are included in Section II?
Claim expenses
First aid expenses
Damage to property of others
Loss assessment (excluding assessments by a government body)
HO Liability Coverage Exclusions
Coverage E exclusions:
The insured
,Damage caused by the insured
Bodily injury to a person covered by workers’ comp
Coverage F exclusions:
Same as Coverage E
Anyone living at the residence
Nuclear relatives
Exclusions applying to both E & F:
Intentional or malicious harm
War
Disease
Sexual molestation or abuse caused by insured
, Drug use, sale, manufacturing, or possession
HO Endorsements (Higher Premium)
What can be added with endorsements?
Sinkholes
Sewer backup (up to $5,000, deductible applies)
Earthquakes
Ordinance of law
Replacement cost instead of ACV
Inflation guard
Scheduled personal property (e.g., jewelry, furs, collectibles)
Insurance Math
How do you calculate the insurance value?
