MAINE PEARSON VUE ALL LINES
ADJUSTER PRACTICE EXAM M
QUESTIONS AND CORRECT ANSWERS
(VERIFIED ANSWERS) PLUS RATIONALES
2025
1. Which of the following best describes the primary role of an insurance
adjuster?
A) Selling insurance policies
B) Investigating claims and determining coverage
C) Setting insurance premiums
D) Marketing insurance products
B) Investigating claims and determining coverage
The adjuster's main responsibility is to investigate claims to determine
coverage and settlement amounts.
2. What type of insurance covers damage to a vehicle regardless of fault?
,A) Liability insurance
B) Collision insurance
C) Comprehensive insurance
D) Uninsured motorist coverage
B) Collision insurance
Collision insurance covers damage to the insured's vehicle caused by
collision with another vehicle or object, regardless of fault.
3. In Maine, how long does an adjuster have to acknowledge receipt of a
claim?
A) 24 hours
B) 48 hours
C) 72 hours
D) 10 days
C) 72 hours
Maine law requires adjusters to acknowledge claims within 72 hours of
receipt.
4. Which of the following is NOT typically covered under a homeowner’s
insurance policy?
A) Fire damage
B) Flood damage
C) Theft
D) Liability for injuries on the property
, B) Flood damage
Flood damage is generally excluded and requires a separate flood
insurance policy.
5. What is the term for the amount the insured must pay out-of-pocket
before the insurer pays a claim?
A) Premium
B) Deductible
C) Copayment
D) Limit
B) Deductible
A deductible is the amount the insured pays before insurance benefits
apply.
6. Which of the following is an example of a peril?
A) Fire
B) Theft
C) Windstorm
D) All of the above
D) All of the above
A peril is a specific risk or cause of loss covered by an insurance policy.
7. What is the primary purpose of liability insurance?
A) To cover damage to the insured's property
B) To protect against claims for bodily injury or property damage caused to
ADJUSTER PRACTICE EXAM M
QUESTIONS AND CORRECT ANSWERS
(VERIFIED ANSWERS) PLUS RATIONALES
2025
1. Which of the following best describes the primary role of an insurance
adjuster?
A) Selling insurance policies
B) Investigating claims and determining coverage
C) Setting insurance premiums
D) Marketing insurance products
B) Investigating claims and determining coverage
The adjuster's main responsibility is to investigate claims to determine
coverage and settlement amounts.
2. What type of insurance covers damage to a vehicle regardless of fault?
,A) Liability insurance
B) Collision insurance
C) Comprehensive insurance
D) Uninsured motorist coverage
B) Collision insurance
Collision insurance covers damage to the insured's vehicle caused by
collision with another vehicle or object, regardless of fault.
3. In Maine, how long does an adjuster have to acknowledge receipt of a
claim?
A) 24 hours
B) 48 hours
C) 72 hours
D) 10 days
C) 72 hours
Maine law requires adjusters to acknowledge claims within 72 hours of
receipt.
4. Which of the following is NOT typically covered under a homeowner’s
insurance policy?
A) Fire damage
B) Flood damage
C) Theft
D) Liability for injuries on the property
, B) Flood damage
Flood damage is generally excluded and requires a separate flood
insurance policy.
5. What is the term for the amount the insured must pay out-of-pocket
before the insurer pays a claim?
A) Premium
B) Deductible
C) Copayment
D) Limit
B) Deductible
A deductible is the amount the insured pays before insurance benefits
apply.
6. Which of the following is an example of a peril?
A) Fire
B) Theft
C) Windstorm
D) All of the above
D) All of the above
A peril is a specific risk or cause of loss covered by an insurance policy.
7. What is the primary purpose of liability insurance?
A) To cover damage to the insured's property
B) To protect against claims for bodily injury or property damage caused to
