MS Adjuster License Exam With
Correct And Explained Answers
Jerome vwas vshopping vat vABC vImports vwhen va vlight vfixture vfell vfrom vthe vceiling
vand vhit vhim von vthe vhead. vJerome's vinjuries vresulted vin van vextended vhospital vstay,
vso vhe vsued vABC vImports vand vwas vawarded v$400,000. vAssuming vABC vImports
vcarries va vCGL vwith va vGeneral vAggregate vof v$750,000 vand va vper voccurrence vlimit
vof v$250,000, vwhat vis vthe vmaximum vthat vABC's vinsurer vwill vpay vfor vJerome's
vinjuries? v- vCORRECT✅✅$250,000
Strict vLiability: v- vCORRECT✅✅holds va vperson vliable vfor vhis vactions vregardless vof
vhow vmuch vcare vhe vdemonstrates.
Wendy vhires vJim vto vbuild van vaddition vto vher vhouse. vJim vtakes vthe vjob vand
vfinishes vit vin vgood vtime. vUnfortunately, vas vWendy vis vwalking vacross vthe vthreshold
vof vthe vnew vaddition, va vfloorboard vgives vway vand vWendy vfalls vinto vthe vcrawl-
space vbelow, vinjuring vher vleg vand vback. vWhich vcommercial vgeneral vliability
vcoverage vcould vhelp vcover vthe vcost vof vWendy's vinjuries? v-
vCORRECT✅✅Completed vOperations vLiability
In vwhich vcase vwould vthe vinsured vbe vindemnified vby vher vauto vliability vcoverage? v-
vCORRECT✅✅NOT: vNone; vliability vcoverage vnever vindemnifies vthe vinsured. vOR
vshe vcauses vproperty vdamage vto vher vneighbor
Lucille vowns vher vown vwoodworking vbusiness, vbuilding vcustom vitems vsuch vas
vdressers, vwooden vtrunks, vand vmantelpieces. vA vfire vdestroys vher ventire voperation
vand vLucille vfiles va vclaim vwith vher vinsurer. vWhich vof vthe vfollowing vwould vbe
vcovered vunder vCoverage vA vof vthe vBuilding vand vPersonal vProperty vCoverage
vForm vin vher vcommercial vproperty vpolicy? v- vCORRECT✅✅A vbandsaw
vpermanently vaffixed vto vthe vfloor
In vwhich vof vthese vsituations vcould va vMississippi vinsurer vcancel va vpolicy vafter v60
vdays vwith vsufficient vnotice? v- vCORRECT✅✅The vpolicyholder's vson vhas vhis
vlicense vsuspended vduring vthe vpolicy vperiod.
Bonnie's vPAP vincludes vComprehensive vcoverage. vWhich vof vthe vfollowing vlosses
vcould vthis vcoverage vpay vfor? v- vCORRECT✅✅Bonnie's vcar vcatches vfire
Sam vsuffers v$6,000 vin vinjuries vwhen vNicole vruns va vred vlight vand vcrashes vher
vuninsured vcar vinto vSam's. vSam's vown vinsurance vcompany, vABC vInsurance,
vimmediately vpays vhim v$5,000 vfor vhis vinjuries. vSam vthen vponders vwhether vto vfile va
v$6,000 vlawsuit vagainst vNicole. vWhy vcan't vSam vsue vNicole vfor vthe vfull vamount vof
,vhis vinjuries? v- vCORRECT✅✅By vaccepting vpayment vfrom vABC vInsurance, vSam
vsubrogated va vportion vof vhis vrights vagainst vNicole vto vABC vInsurance.
In vorder vto vbe va vlicensed vadjuster, va vperson vmust vbe vat vleast v____ vyears vold. v-
vCORRECT✅✅18
Grant vworks vat vABC vConvenience. vOne vday, va vman vpulls vup vin van vexpensive vcar
vand vpays vcash vfor vhis vgas vwith va vhundred vdollar vbill. vGrant vaccepts vthe vbill
vwithout vchecking vits vvalidity. vWhen vGrant's vmanager vchecks vthe vbill vlater, vhe
vdiscovers vit vis va vfake. vWhich vcommercial vcrime vcoverage vcould vprotect vABC
vConvenience vfrom vfinancial vloss vassociated vwith vaccepting vthe vfake vhundred
vdollar vbill? v- vCORRECT✅✅Money vorders vand vcounterfeit vpaper vcurrency
States vthat vallow vprivate vinsurers vto voffer vworkers' vcomp vcoverage vas van
valternative vto vthe vstate vworkers' vcomp vfund vare vcalled: v-
vCORRECT✅✅competitive
The vEmployee vRetirement vIncome vSecurity vAct v(ERISA): v- vCORRECT✅✅requires
vthat vevery vfiduciary vof van vemployee vbenefit vplan vand vevery vperson vwho vhandles
vfunds vor vother vproperty vof vthose vplans vmust vbe vbonded
Bill vlives vin vMississippi vand vhas vthe vminimum vauto vliability vcoverage vrequired vfor
vthe vstate. vHe vcauses van vaccident vthat vresults vin v$35,000 vin vproperty vdamage vand
v$50,000 vin vbodily vinjury vto vanother vperson. vHow vmuch vwill vBill vhave vto vpay vout
vof vpocket vfor vthis vaccident? v- vCORRECT✅✅$10,000 vin vproperty vdamage vand
v$25,000 vin vmedical vexpense
Which vof vthe vfollowing vstatements vregarding vscheduled vfidelity vbonds vis vFALSE? v-
vCORRECT✅✅All vemployees vare vbonded vfor vthe vsame vaggregate vamount.
D'Anton vspills vcoffee vin vhis vlap vwhile vdriving, vcausing vhim vto vveer voff vthe vroad
vand vsmash vinto va vtelephone vpole. vWhich vpart vof vhis vAuto vInsurance vPolicy vwill
vhelp vhim vpay vfor vthe vrepairs vto vhis vcar? v- vCORRECT✅✅Collision vcoverage
If van vinsurer vdecides vto vcancel va vpersonal vauto vpolicy v(for va vreason vother vthan
vnon-payment vof vpremiums) vafter vthe vpolicy vhas vbeen vin veffect vfor v60 vdays, vthe
vinsurer vmust vprovide vwritten vnotice vto vthe vinsured v__________ vin vadvance. v-
vCORRECT✅✅30 vdays
Acme vConstruction, vInc. vhas vone vcontractor vand vone vreceptionist. vThe vcontractor
vmakes v$25/hr, vand vthe vreceptionist vmakes v$10/hr. vThe vcontractor vworked vexactly
v8 vhours vin v2010, vso vhe vmade v$200. vThe vreceptionist vworked v10 vhours, vso vshe
vmade v$100. vTherefore, vAcme's ventire vpayroll vfor v2010 vwas v$300. vAssume vthat,
vfor vevery v$100 vof vpayroll, vthe vWC vrate vfor vcontractors vis v$50 vand vthe vrate vfor
vreceptionists vis v$5. vHow vmuch vdid vAcme vowe vin vWC vpremiums? v-
vCORRECT✅✅$105
,During va vroutine vtooth vextraction, vDr. vDentem vadministers vtoo vmuch vlaughing vgas
vand vcauses vbrain vdamage vto vhis vclient. vThe vfamily vsues vDr. vDentem vfor vfailing vto
vfollow vprocedure. vWhich vkind vof vinsurance vwould vcover vthe vcost vof vthe vlawsuit? v-
vCORRECT✅✅Malpractice vinsurance
Sally vhas van vHO-3 vpolicy von vher v$150,000 vhome vin vthe vcountry. vOne vday, va vbear
vbreaks vdown vSally's vback vdoor vto vget vinto vher vkitchen vfor va vsnack. vWhen vSally
vcomes vhome vto vfind vthe vdamage, vshe vfiles va vclaim vwith vher vinsurance vcompany.
vWill vthe vdamage vto vSally's vhome vbe vcovered, vand vwhy vor vwhy vnot? v-
vCORRECT✅✅Yes. vThe vHO-3 vis van vopen vperil vpolicy, vwithout vexclusion vfor
vwildlife.
Which vof vthe vfollowing vis vsimilar vto va vBusiness vAuto vPolicy, vbut vadds vseveral
vpolicy vprovisions vand vprotections vspecific vto vthe vtrucking vindustry? v-
vCORRECT✅✅NOT: vTrip vTransit vpolicy
Which vof vthe vfollowing vis vNOT vone vof vthe vrequirements vthat vadjusters vmust vmeet
vin vorder vto vhandle vNFIP vclaims? v- vCORRECT✅✅NOT: vhave vat vleast vfour
vconsecutive vyears vof vadjusting vexperience vOR vInform vclaimants vthat vonly vthe
vNFIP vServicing vAgent vor vWYO vcompany vcan vmake va vfinal vdecision von vtheir vclaim
Which vof vthe vfollowing vinsurers vis vNOT vcommitting van vunfair vtrade vpractice. v-
vCORRECT✅✅ACME vInsurance vis vgiving vstock voptions vto vagents vwho vexceed
vtheir vsales vquotas
ABC vInsurance vhas va vdeal vwith vSunset vRealty vin vwhich vABC vcompensates vSunset
vfor vrequiring vall vhome vbuyers vpurchase vtheir vhomeowners vinsurance vfrom vABC v-
vCORRECT✅✅an v"object"
Which vof vthe vfollowing vis van vexample vof va vmoral vhazard? v- vCORRECT✅✅Ken
vlights va vcandle, vsets vit vright vnext vto vthe vwindow vdraperies vand vleaves vthe vhouse
vto vgo vto vwork
In vwhich vsection vof van vinsurance vpolicy vmight vyou vfind vthe vfollowing vstatement?
v"'We, vus, vand vour' vrefers vto vABC vInsurance vcompany." v-
vCORRECT✅✅Definitions
If vthe vCommissioner vhas vreason vto vbelieve vthat va vperson vor vcompany vis vengaging
vin van vunfair vtrade vpractice, vhe vmust vgive vthe vperson vat vleast v____ vnotice vbefore
vholding va vhearing vto vreview vthe vcase. v- vCORRECT✅✅10 vdays
Bobby vjust vpurchased van vinsurance vpolicy vfor vhis vhome vfrom vXYZ vInsurance.
vWhich vof vthe vfollowing vwould vbe va vreason vthis vpolicy vmay vnot vbe vlegally vbinding?
v- vCORRECT✅✅NOT: vBobby vhas van voutstanding vwarrant vfor vselling vmarijuana
, Farmer vScott vowns va vfarm vand vraises vgoats, vproducing va vlot vof vmanure.
vOccasionally, vafter va vstrong vrain, vsome vof vthe vwaste vwashes vinto va vnearby vriver.
vWhich vinsurance vcoverage vcan vprotect vScott vfrom vany vliability vcaused vby vthe
vgoat vwaste vrunoff? v- vCORRECT✅✅Farm vpollution vliability
John vmoved vout vof vhis vhouse vand vput vit vup vfor vsale vthree vmonths vago. vWhile vhe
vwas vwaiting vfor vthe vhouse vto vsell, vJohn's vplumbing vpipes vfroze vand vburst vin vthe
vicy vtemperatures, vwhich veventually vled vto vwater vdamaging vthe vcabinetry vand
vhardwood vfloors. vWhich vof vthe vfollowing vstatements vwould vmost vlikely vbe vTRUE?
v- vCORRECT✅✅NOT: vBc vJohn's vhouse vwas vstill vcovered vunder van vHO-3, vthe
vdamage vwould vbe vcovered.
Which vof vthe vfollowing vis vfound vin vthe vdeclarations vpage vof van vinsurance vpolicy? v-
vCORRECT✅✅The vname vof vthe vinsured vparty.
Under vthe vLongshore vand vHarbor vWorkers' vCompensation vAct, vhow vmuch vwould
vthe vsurviving vspouse vof va vdeceased vworker vreceive vin vbenefits? v-
vCORRECT✅✅50% vof vthe vdeceased vworker's vaverage vweekly vwage
Phil vruns va vlocomotive vrepair vbusiness, vwhich vis vinsured vunder va vcommercial
vproperty vpolicy. vOne vnight, vsome vblasting vpowder vis vaccidentally vignited vand
vblows va vcrowbar vthrough vone vof vthe vengines. vNo vone vis vhurt, vbut vthe vlocomotive
vis vseverely vdamaged. vWhich vcoverage voption vmay vhelp vcover vthe vcost vof
vrepairing vthe vengine vfrom vthis vunfortunate vevent? v- vCORRECT✅✅Legal vliability
vcoverage
Which vof vthe vfollowing vinsurance vprotections vis vNOT voffered vby va vgaragekeeper's
vinsurance vpolicy? v- vCORRECT✅✅NOT: vSpecific vcauses vof vloss vOR
vComprehensive vcoverage
Carmen vwas vmaking v$450 vper vweek vworking vin va vmitten vfactory vuntil vshe vlost vher
vthumb vin va vwork-related vaccident. vHer vWorkers' vCompensation vbenefits vwill vpay
v_____ vper vweek vfor v_____ vweeks. v- vCORRECT✅✅$300; v60
Making vfalse vor vmisleading vstatements vabout va vpolicy's vterms vor vbenefits vis vunfair
vand vconsidered: v- vCORRECT✅✅misrepresentation
Randy vowns va vclothing vstore. vOne vday, vhe vnotices va vshady vcharacter vwith va
vbackpack vwho vis vhanging varound vacting vnervous. vRandy vbecomes vsuspicious vand
vapproaches vthe vyoung vman. vAs vthe vboy vmakes van veffort vto vavoid vhim, vRandy
vgrabs vhis varm vand vdetains vhim vuntil vthe vpolice varrive. vNot vfinding vany vstolen
vmerchandise, vthe vpolice vlet vthe vboy vgo. vTwo vweeks vlater vRandy vis vnotified vthat
vhe vwill vbe vsued vfor vviolation vof vthe vyoung vman's vcivil vrights. vThis vis van vexample
vof vwhat vtype vof vpersonal vinjury vcovered vunder vRandy's vCommercial vGeneral
vLiability vpolicy? v- vCORRECT✅✅False vArrest, vDetention, vor vImprisonment
Correct And Explained Answers
Jerome vwas vshopping vat vABC vImports vwhen va vlight vfixture vfell vfrom vthe vceiling
vand vhit vhim von vthe vhead. vJerome's vinjuries vresulted vin van vextended vhospital vstay,
vso vhe vsued vABC vImports vand vwas vawarded v$400,000. vAssuming vABC vImports
vcarries va vCGL vwith va vGeneral vAggregate vof v$750,000 vand va vper voccurrence vlimit
vof v$250,000, vwhat vis vthe vmaximum vthat vABC's vinsurer vwill vpay vfor vJerome's
vinjuries? v- vCORRECT✅✅$250,000
Strict vLiability: v- vCORRECT✅✅holds va vperson vliable vfor vhis vactions vregardless vof
vhow vmuch vcare vhe vdemonstrates.
Wendy vhires vJim vto vbuild van vaddition vto vher vhouse. vJim vtakes vthe vjob vand
vfinishes vit vin vgood vtime. vUnfortunately, vas vWendy vis vwalking vacross vthe vthreshold
vof vthe vnew vaddition, va vfloorboard vgives vway vand vWendy vfalls vinto vthe vcrawl-
space vbelow, vinjuring vher vleg vand vback. vWhich vcommercial vgeneral vliability
vcoverage vcould vhelp vcover vthe vcost vof vWendy's vinjuries? v-
vCORRECT✅✅Completed vOperations vLiability
In vwhich vcase vwould vthe vinsured vbe vindemnified vby vher vauto vliability vcoverage? v-
vCORRECT✅✅NOT: vNone; vliability vcoverage vnever vindemnifies vthe vinsured. vOR
vshe vcauses vproperty vdamage vto vher vneighbor
Lucille vowns vher vown vwoodworking vbusiness, vbuilding vcustom vitems vsuch vas
vdressers, vwooden vtrunks, vand vmantelpieces. vA vfire vdestroys vher ventire voperation
vand vLucille vfiles va vclaim vwith vher vinsurer. vWhich vof vthe vfollowing vwould vbe
vcovered vunder vCoverage vA vof vthe vBuilding vand vPersonal vProperty vCoverage
vForm vin vher vcommercial vproperty vpolicy? v- vCORRECT✅✅A vbandsaw
vpermanently vaffixed vto vthe vfloor
In vwhich vof vthese vsituations vcould va vMississippi vinsurer vcancel va vpolicy vafter v60
vdays vwith vsufficient vnotice? v- vCORRECT✅✅The vpolicyholder's vson vhas vhis
vlicense vsuspended vduring vthe vpolicy vperiod.
Bonnie's vPAP vincludes vComprehensive vcoverage. vWhich vof vthe vfollowing vlosses
vcould vthis vcoverage vpay vfor? v- vCORRECT✅✅Bonnie's vcar vcatches vfire
Sam vsuffers v$6,000 vin vinjuries vwhen vNicole vruns va vred vlight vand vcrashes vher
vuninsured vcar vinto vSam's. vSam's vown vinsurance vcompany, vABC vInsurance,
vimmediately vpays vhim v$5,000 vfor vhis vinjuries. vSam vthen vponders vwhether vto vfile va
v$6,000 vlawsuit vagainst vNicole. vWhy vcan't vSam vsue vNicole vfor vthe vfull vamount vof
,vhis vinjuries? v- vCORRECT✅✅By vaccepting vpayment vfrom vABC vInsurance, vSam
vsubrogated va vportion vof vhis vrights vagainst vNicole vto vABC vInsurance.
In vorder vto vbe va vlicensed vadjuster, va vperson vmust vbe vat vleast v____ vyears vold. v-
vCORRECT✅✅18
Grant vworks vat vABC vConvenience. vOne vday, va vman vpulls vup vin van vexpensive vcar
vand vpays vcash vfor vhis vgas vwith va vhundred vdollar vbill. vGrant vaccepts vthe vbill
vwithout vchecking vits vvalidity. vWhen vGrant's vmanager vchecks vthe vbill vlater, vhe
vdiscovers vit vis va vfake. vWhich vcommercial vcrime vcoverage vcould vprotect vABC
vConvenience vfrom vfinancial vloss vassociated vwith vaccepting vthe vfake vhundred
vdollar vbill? v- vCORRECT✅✅Money vorders vand vcounterfeit vpaper vcurrency
States vthat vallow vprivate vinsurers vto voffer vworkers' vcomp vcoverage vas van
valternative vto vthe vstate vworkers' vcomp vfund vare vcalled: v-
vCORRECT✅✅competitive
The vEmployee vRetirement vIncome vSecurity vAct v(ERISA): v- vCORRECT✅✅requires
vthat vevery vfiduciary vof van vemployee vbenefit vplan vand vevery vperson vwho vhandles
vfunds vor vother vproperty vof vthose vplans vmust vbe vbonded
Bill vlives vin vMississippi vand vhas vthe vminimum vauto vliability vcoverage vrequired vfor
vthe vstate. vHe vcauses van vaccident vthat vresults vin v$35,000 vin vproperty vdamage vand
v$50,000 vin vbodily vinjury vto vanother vperson. vHow vmuch vwill vBill vhave vto vpay vout
vof vpocket vfor vthis vaccident? v- vCORRECT✅✅$10,000 vin vproperty vdamage vand
v$25,000 vin vmedical vexpense
Which vof vthe vfollowing vstatements vregarding vscheduled vfidelity vbonds vis vFALSE? v-
vCORRECT✅✅All vemployees vare vbonded vfor vthe vsame vaggregate vamount.
D'Anton vspills vcoffee vin vhis vlap vwhile vdriving, vcausing vhim vto vveer voff vthe vroad
vand vsmash vinto va vtelephone vpole. vWhich vpart vof vhis vAuto vInsurance vPolicy vwill
vhelp vhim vpay vfor vthe vrepairs vto vhis vcar? v- vCORRECT✅✅Collision vcoverage
If van vinsurer vdecides vto vcancel va vpersonal vauto vpolicy v(for va vreason vother vthan
vnon-payment vof vpremiums) vafter vthe vpolicy vhas vbeen vin veffect vfor v60 vdays, vthe
vinsurer vmust vprovide vwritten vnotice vto vthe vinsured v__________ vin vadvance. v-
vCORRECT✅✅30 vdays
Acme vConstruction, vInc. vhas vone vcontractor vand vone vreceptionist. vThe vcontractor
vmakes v$25/hr, vand vthe vreceptionist vmakes v$10/hr. vThe vcontractor vworked vexactly
v8 vhours vin v2010, vso vhe vmade v$200. vThe vreceptionist vworked v10 vhours, vso vshe
vmade v$100. vTherefore, vAcme's ventire vpayroll vfor v2010 vwas v$300. vAssume vthat,
vfor vevery v$100 vof vpayroll, vthe vWC vrate vfor vcontractors vis v$50 vand vthe vrate vfor
vreceptionists vis v$5. vHow vmuch vdid vAcme vowe vin vWC vpremiums? v-
vCORRECT✅✅$105
,During va vroutine vtooth vextraction, vDr. vDentem vadministers vtoo vmuch vlaughing vgas
vand vcauses vbrain vdamage vto vhis vclient. vThe vfamily vsues vDr. vDentem vfor vfailing vto
vfollow vprocedure. vWhich vkind vof vinsurance vwould vcover vthe vcost vof vthe vlawsuit? v-
vCORRECT✅✅Malpractice vinsurance
Sally vhas van vHO-3 vpolicy von vher v$150,000 vhome vin vthe vcountry. vOne vday, va vbear
vbreaks vdown vSally's vback vdoor vto vget vinto vher vkitchen vfor va vsnack. vWhen vSally
vcomes vhome vto vfind vthe vdamage, vshe vfiles va vclaim vwith vher vinsurance vcompany.
vWill vthe vdamage vto vSally's vhome vbe vcovered, vand vwhy vor vwhy vnot? v-
vCORRECT✅✅Yes. vThe vHO-3 vis van vopen vperil vpolicy, vwithout vexclusion vfor
vwildlife.
Which vof vthe vfollowing vis vsimilar vto va vBusiness vAuto vPolicy, vbut vadds vseveral
vpolicy vprovisions vand vprotections vspecific vto vthe vtrucking vindustry? v-
vCORRECT✅✅NOT: vTrip vTransit vpolicy
Which vof vthe vfollowing vis vNOT vone vof vthe vrequirements vthat vadjusters vmust vmeet
vin vorder vto vhandle vNFIP vclaims? v- vCORRECT✅✅NOT: vhave vat vleast vfour
vconsecutive vyears vof vadjusting vexperience vOR vInform vclaimants vthat vonly vthe
vNFIP vServicing vAgent vor vWYO vcompany vcan vmake va vfinal vdecision von vtheir vclaim
Which vof vthe vfollowing vinsurers vis vNOT vcommitting van vunfair vtrade vpractice. v-
vCORRECT✅✅ACME vInsurance vis vgiving vstock voptions vto vagents vwho vexceed
vtheir vsales vquotas
ABC vInsurance vhas va vdeal vwith vSunset vRealty vin vwhich vABC vcompensates vSunset
vfor vrequiring vall vhome vbuyers vpurchase vtheir vhomeowners vinsurance vfrom vABC v-
vCORRECT✅✅an v"object"
Which vof vthe vfollowing vis van vexample vof va vmoral vhazard? v- vCORRECT✅✅Ken
vlights va vcandle, vsets vit vright vnext vto vthe vwindow vdraperies vand vleaves vthe vhouse
vto vgo vto vwork
In vwhich vsection vof van vinsurance vpolicy vmight vyou vfind vthe vfollowing vstatement?
v"'We, vus, vand vour' vrefers vto vABC vInsurance vcompany." v-
vCORRECT✅✅Definitions
If vthe vCommissioner vhas vreason vto vbelieve vthat va vperson vor vcompany vis vengaging
vin van vunfair vtrade vpractice, vhe vmust vgive vthe vperson vat vleast v____ vnotice vbefore
vholding va vhearing vto vreview vthe vcase. v- vCORRECT✅✅10 vdays
Bobby vjust vpurchased van vinsurance vpolicy vfor vhis vhome vfrom vXYZ vInsurance.
vWhich vof vthe vfollowing vwould vbe va vreason vthis vpolicy vmay vnot vbe vlegally vbinding?
v- vCORRECT✅✅NOT: vBobby vhas van voutstanding vwarrant vfor vselling vmarijuana
, Farmer vScott vowns va vfarm vand vraises vgoats, vproducing va vlot vof vmanure.
vOccasionally, vafter va vstrong vrain, vsome vof vthe vwaste vwashes vinto va vnearby vriver.
vWhich vinsurance vcoverage vcan vprotect vScott vfrom vany vliability vcaused vby vthe
vgoat vwaste vrunoff? v- vCORRECT✅✅Farm vpollution vliability
John vmoved vout vof vhis vhouse vand vput vit vup vfor vsale vthree vmonths vago. vWhile vhe
vwas vwaiting vfor vthe vhouse vto vsell, vJohn's vplumbing vpipes vfroze vand vburst vin vthe
vicy vtemperatures, vwhich veventually vled vto vwater vdamaging vthe vcabinetry vand
vhardwood vfloors. vWhich vof vthe vfollowing vstatements vwould vmost vlikely vbe vTRUE?
v- vCORRECT✅✅NOT: vBc vJohn's vhouse vwas vstill vcovered vunder van vHO-3, vthe
vdamage vwould vbe vcovered.
Which vof vthe vfollowing vis vfound vin vthe vdeclarations vpage vof van vinsurance vpolicy? v-
vCORRECT✅✅The vname vof vthe vinsured vparty.
Under vthe vLongshore vand vHarbor vWorkers' vCompensation vAct, vhow vmuch vwould
vthe vsurviving vspouse vof va vdeceased vworker vreceive vin vbenefits? v-
vCORRECT✅✅50% vof vthe vdeceased vworker's vaverage vweekly vwage
Phil vruns va vlocomotive vrepair vbusiness, vwhich vis vinsured vunder va vcommercial
vproperty vpolicy. vOne vnight, vsome vblasting vpowder vis vaccidentally vignited vand
vblows va vcrowbar vthrough vone vof vthe vengines. vNo vone vis vhurt, vbut vthe vlocomotive
vis vseverely vdamaged. vWhich vcoverage voption vmay vhelp vcover vthe vcost vof
vrepairing vthe vengine vfrom vthis vunfortunate vevent? v- vCORRECT✅✅Legal vliability
vcoverage
Which vof vthe vfollowing vinsurance vprotections vis vNOT voffered vby va vgaragekeeper's
vinsurance vpolicy? v- vCORRECT✅✅NOT: vSpecific vcauses vof vloss vOR
vComprehensive vcoverage
Carmen vwas vmaking v$450 vper vweek vworking vin va vmitten vfactory vuntil vshe vlost vher
vthumb vin va vwork-related vaccident. vHer vWorkers' vCompensation vbenefits vwill vpay
v_____ vper vweek vfor v_____ vweeks. v- vCORRECT✅✅$300; v60
Making vfalse vor vmisleading vstatements vabout va vpolicy's vterms vor vbenefits vis vunfair
vand vconsidered: v- vCORRECT✅✅misrepresentation
Randy vowns va vclothing vstore. vOne vday, vhe vnotices va vshady vcharacter vwith va
vbackpack vwho vis vhanging varound vacting vnervous. vRandy vbecomes vsuspicious vand
vapproaches vthe vyoung vman. vAs vthe vboy vmakes van veffort vto vavoid vhim, vRandy
vgrabs vhis varm vand vdetains vhim vuntil vthe vpolice varrive. vNot vfinding vany vstolen
vmerchandise, vthe vpolice vlet vthe vboy vgo. vTwo vweeks vlater vRandy vis vnotified vthat
vhe vwill vbe vsued vfor vviolation vof vthe vyoung vman's vcivil vrights. vThis vis van vexample
vof vwhat vtype vof vpersonal vinjury vcovered vunder vRandy's vCommercial vGeneral
vLiability vpolicy? v- vCORRECT✅✅False vArrest, vDetention, vor vImprisonment
