All-Lines Adjuster Exam Questions with
correct Answers 2025/2026( A+ GRADED
100% VERIFIED).
Contributory Negligence - ANS-defense against negligence that if an individual contributes to
his or her own loss in any way, then another cannot be held liable. Neither party can collect
damages
Comparative Negligence - ANS-allows an injured party to collect from another party for a loss,
even when the injured party contributed to his or her own loss. Damages are reduced to the
extent of the injured party's negligence
Actual Cash Value (ACV) - ANS-cost of replacement minus depreciation
Coinsurance clause - ANS-A clause that requires an insured to pay part of a loss if the
coverage provided under the policy limits is less than a specified percentage of the value of the
property at the time of loss - usually 80%
Character, Capital and Capabilities - ANS-What are the 3 C's to Surety?
Uninsured Motorists Formula - ANS-Total Medical bills minus PIP minus deductible applies to:
$10,000 - ANS-What is the maximum medical benefits PIP will pay?
HMO (Health Maintenance Organization) - ANS-No insurance is involved. Prepaid fixed fee
covers health care costs.
Hospital Indemnity Insurance - ANS-flat amount per day of hospitalization
Limits of Liability - ANS-the maximum amount of insurance the company will pay for a loss
Pollution - ANS-What is an exclusion found in the CGL policy?
Mechanical Breakdown Insurance Policy Term - ANS-New cars is 36 months or 36,000 miles or
used cars is 12 months or 12,000 miles
Commercial Auto JUA Coverages - ANS-Unlimited Liability limits if such limits are required by
statute, UM and PIP
, Florida Financial Responsibility - ANS-Liability of 10/20/10
DUI Limits - ANS-Must purchase 100/300/50 or post a bond of $350,000
80% - ANS-Percentage of medical bills PIP pays
Split Limit - ANS-one for each person injured/another for all persons injured in one accident
(max per accident)/another for all property damage in one accident. written in thousands.
Minimum limits are 10/20/10
14 days - ANS-After how many days must a "newly acquired auto" be added to the policy?
4 day requirement - ANS-Collision Coverage applies to at least one auto
Bodily Injury and Property Damage - ANS-What is covered under Coverage A/Part A (PAP)?
7 days; after 21 days compensation is retroactive to the date of injury - ANS-What is the waiting
period to receive workers' compensation disability benefits?
No waiting period - ANS-What is the waiting period to receive workers' compensation medical
benefits?
If the company has 4 or more employees - ANS-When must a company acquire Workers'
Compensation Insurance?
Entire payroll - ANS-How are premiums charged for workers' compensation insurance?
True - ANS-TRUE OR FASLE: In order to receive replacement cost, an insured must carry at
least 80% of the dwelling replacement value.
$500 - ANS-What is the minimum deductible for hurricanes in Florida?
Employer/Employee Relationship - ANS-What is an example of a vicariously liable relationship?
12 months - ANS-Discovery period under General Crime provision:
surety, principal, obligee - ANS-The 3 parties to a bond are:
1. Surety, cosigner, agent
2. Surety, principal, obligee
3. surety, oblige, insured
4. surety, indemnitor, cosigner
correct Answers 2025/2026( A+ GRADED
100% VERIFIED).
Contributory Negligence - ANS-defense against negligence that if an individual contributes to
his or her own loss in any way, then another cannot be held liable. Neither party can collect
damages
Comparative Negligence - ANS-allows an injured party to collect from another party for a loss,
even when the injured party contributed to his or her own loss. Damages are reduced to the
extent of the injured party's negligence
Actual Cash Value (ACV) - ANS-cost of replacement minus depreciation
Coinsurance clause - ANS-A clause that requires an insured to pay part of a loss if the
coverage provided under the policy limits is less than a specified percentage of the value of the
property at the time of loss - usually 80%
Character, Capital and Capabilities - ANS-What are the 3 C's to Surety?
Uninsured Motorists Formula - ANS-Total Medical bills minus PIP minus deductible applies to:
$10,000 - ANS-What is the maximum medical benefits PIP will pay?
HMO (Health Maintenance Organization) - ANS-No insurance is involved. Prepaid fixed fee
covers health care costs.
Hospital Indemnity Insurance - ANS-flat amount per day of hospitalization
Limits of Liability - ANS-the maximum amount of insurance the company will pay for a loss
Pollution - ANS-What is an exclusion found in the CGL policy?
Mechanical Breakdown Insurance Policy Term - ANS-New cars is 36 months or 36,000 miles or
used cars is 12 months or 12,000 miles
Commercial Auto JUA Coverages - ANS-Unlimited Liability limits if such limits are required by
statute, UM and PIP
, Florida Financial Responsibility - ANS-Liability of 10/20/10
DUI Limits - ANS-Must purchase 100/300/50 or post a bond of $350,000
80% - ANS-Percentage of medical bills PIP pays
Split Limit - ANS-one for each person injured/another for all persons injured in one accident
(max per accident)/another for all property damage in one accident. written in thousands.
Minimum limits are 10/20/10
14 days - ANS-After how many days must a "newly acquired auto" be added to the policy?
4 day requirement - ANS-Collision Coverage applies to at least one auto
Bodily Injury and Property Damage - ANS-What is covered under Coverage A/Part A (PAP)?
7 days; after 21 days compensation is retroactive to the date of injury - ANS-What is the waiting
period to receive workers' compensation disability benefits?
No waiting period - ANS-What is the waiting period to receive workers' compensation medical
benefits?
If the company has 4 or more employees - ANS-When must a company acquire Workers'
Compensation Insurance?
Entire payroll - ANS-How are premiums charged for workers' compensation insurance?
True - ANS-TRUE OR FASLE: In order to receive replacement cost, an insured must carry at
least 80% of the dwelling replacement value.
$500 - ANS-What is the minimum deductible for hurricanes in Florida?
Employer/Employee Relationship - ANS-What is an example of a vicariously liable relationship?
12 months - ANS-Discovery period under General Crime provision:
surety, principal, obligee - ANS-The 3 parties to a bond are:
1. Surety, cosigner, agent
2. Surety, principal, obligee
3. surety, oblige, insured
4. surety, indemnitor, cosigner
