GEORGIA ADJUSTER EXAM 2025/2026 WITH
ACTUAL CORRECT QUESTIONS AND
VERIFIED DETAILED ANSWERS
|FREQUENTLY TESTED QUESTIONS AND
SOLUTIONS|ALREADY GRADED
A+|NEWEST|BRAND NEW VERSION!!|LATEST
UPDATE
A "newly acquired auto" must:
weigh less than 10,000 pounds
Kate has a Personal Auto Policy through XYZ Insurance. In which of the following scenarios
would XYZ Insurance NOT be allowed immediately to increase Kate's policy premium?
XYZ Insurance expands coverage for all policies - a change which automatically applies to Kate's
policy, as well.
James is in the consulting business and frequently flies from city to city to meet clients and help
them improve their business practices. Most cities have adequate public transit, but sometimes
it's easier to rent a car. Which coverage symbol would specifically pertain to rental cars on
James' Business Auto Policy?
Symbol 8
(Symbol 8 pertains to Hired Autos, meaning automobiles which are leased, rented, hired, or
borrowed from entities other than employees.)
Walter works for a shipping company, delivering packages and picking up orders. He lives very
close to work and the grocery store is only a few blocks away, so he can live conveniently
without owning a car. However, he would like to have some Personal Injury Protection, just in
case he ever gets injured in an accident. Which BAP endorsement could his employer use to
give him this coverage?
Named Individuals Broadened PIP
1|Page
,According to the "Definitions" section of a Personal Auto Policy, which of the following would
NOT qualify as a "family member"?
The insured's ex-wife who moved out of the house 4 months ago
Bonnie's PAP includes Comprehensive coverage. Which of the following losses could this
coverage pay for?
Bonnie's car catches fire.
(Comprehensive coverage would NOT cover a rollover, a fender bender, or breakdown due to
engine malfunction. It would cover fire damage.)
The Write Your Own program allows private insurers to:
sell standardized NFIP policies.
(The Write Your Own program lets private insurers sell standardized NFIP policies, collect
premiums, adjust claims, and pay losses.)
XYZ Insurance is a private insurer that sells flood insurance policies. Which of the following
statements is FALSE?
XYZ Insurance participates in the NFIP Direct Program.
(The NFIP Direct Program is what the federal government uses to issue policies and handle the
resulting claims directly. As a private insurer, XYZ Insurance is participating in the Write Your
Own (WYO) program.)
Jordan is moving from San Francisco to Philadelphia, and he is bringing his private plane along
with him. While it's being transported, the plane is damaged in a minor accident. Which of the
following is true?
Because the damage took place while the plane was being transported, the deductible won't
apply to this loss.
(For certain types of losses, the deductible doesn't apply. This includes losses that occur while
the aircraft is being transported.)
Title insurance involves which of the following?
A title search, and a guarantee against losses due to future legal attacks on a title
2|Page
, (Title insurance involves a title search, and a guarantee against losses due to future legal attacks
on a title.)
Randy owns a clothing store. One day, he notices a shady character with a backpack who is
hanging around acting nervous. Randy becomes suspicious and approaches the young man. As
the boy makes an effort to avoid him, Randy grabs his arm and detains him until the police
arrive. Not finding any stolen merchandise, the police let the boy go. Two weeks later Randy is
notified that he will be sued for violation of the young man's civil rights. This is an example of
what type of personal injury covered under Randy's Commercial General Liability policy?
False Arrest, Detention, or Imprisonment.
Craig must close his business for three months after being injured in an auto accident. When
Craig recovers, he returns to his shop where he finds broken glass and notices some of his
supplies have been pilfered. Under what condition in his commercial property policy might the
insurer deny coverage?
Vacancy
A fire burns down Jenny's Hardware, leaving virtually nothing salvageable. Which of the
following items would NOT be covered under Coverage A of the Building and Personal Property
Coverage Form in her commercial property policy?
An employee's laptop which she uses for work
(Under the Building and Personal Property Coverage Form, Coverage A - Buildings and
Structures provides coverage for all structures listed on the Dec Page, as well as any machinery,
fixtures, and equipment permanently installed inside the building. The employee's laptop would
be covered under Coverage C - Personal Property of Others.)
DEC Construction was hired to completely renovate Randall's department store. DEC
Construction is in charge of the project, but hires Mac Electric (an independent contractor) to
complete the electrical portion, and requires Mac to have Owners & Contractors Protective
Liability coverage for the job. Who is responsible for paying the premiums for this policy?
Mac Electric
Joe decides to go surfing for three months in Hawaii. Before he leaves, he locks up his surfboard
shop and rents a storage unit for most of his equipment and merchandise. When Joe returns, he
finds that his shop has been broken into and vandalized. Under what policy condition would
Joe's insurer likely refuse to make a full payment?
Vacancy
3|Page
ACTUAL CORRECT QUESTIONS AND
VERIFIED DETAILED ANSWERS
|FREQUENTLY TESTED QUESTIONS AND
SOLUTIONS|ALREADY GRADED
A+|NEWEST|BRAND NEW VERSION!!|LATEST
UPDATE
A "newly acquired auto" must:
weigh less than 10,000 pounds
Kate has a Personal Auto Policy through XYZ Insurance. In which of the following scenarios
would XYZ Insurance NOT be allowed immediately to increase Kate's policy premium?
XYZ Insurance expands coverage for all policies - a change which automatically applies to Kate's
policy, as well.
James is in the consulting business and frequently flies from city to city to meet clients and help
them improve their business practices. Most cities have adequate public transit, but sometimes
it's easier to rent a car. Which coverage symbol would specifically pertain to rental cars on
James' Business Auto Policy?
Symbol 8
(Symbol 8 pertains to Hired Autos, meaning automobiles which are leased, rented, hired, or
borrowed from entities other than employees.)
Walter works for a shipping company, delivering packages and picking up orders. He lives very
close to work and the grocery store is only a few blocks away, so he can live conveniently
without owning a car. However, he would like to have some Personal Injury Protection, just in
case he ever gets injured in an accident. Which BAP endorsement could his employer use to
give him this coverage?
Named Individuals Broadened PIP
1|Page
,According to the "Definitions" section of a Personal Auto Policy, which of the following would
NOT qualify as a "family member"?
The insured's ex-wife who moved out of the house 4 months ago
Bonnie's PAP includes Comprehensive coverage. Which of the following losses could this
coverage pay for?
Bonnie's car catches fire.
(Comprehensive coverage would NOT cover a rollover, a fender bender, or breakdown due to
engine malfunction. It would cover fire damage.)
The Write Your Own program allows private insurers to:
sell standardized NFIP policies.
(The Write Your Own program lets private insurers sell standardized NFIP policies, collect
premiums, adjust claims, and pay losses.)
XYZ Insurance is a private insurer that sells flood insurance policies. Which of the following
statements is FALSE?
XYZ Insurance participates in the NFIP Direct Program.
(The NFIP Direct Program is what the federal government uses to issue policies and handle the
resulting claims directly. As a private insurer, XYZ Insurance is participating in the Write Your
Own (WYO) program.)
Jordan is moving from San Francisco to Philadelphia, and he is bringing his private plane along
with him. While it's being transported, the plane is damaged in a minor accident. Which of the
following is true?
Because the damage took place while the plane was being transported, the deductible won't
apply to this loss.
(For certain types of losses, the deductible doesn't apply. This includes losses that occur while
the aircraft is being transported.)
Title insurance involves which of the following?
A title search, and a guarantee against losses due to future legal attacks on a title
2|Page
, (Title insurance involves a title search, and a guarantee against losses due to future legal attacks
on a title.)
Randy owns a clothing store. One day, he notices a shady character with a backpack who is
hanging around acting nervous. Randy becomes suspicious and approaches the young man. As
the boy makes an effort to avoid him, Randy grabs his arm and detains him until the police
arrive. Not finding any stolen merchandise, the police let the boy go. Two weeks later Randy is
notified that he will be sued for violation of the young man's civil rights. This is an example of
what type of personal injury covered under Randy's Commercial General Liability policy?
False Arrest, Detention, or Imprisonment.
Craig must close his business for three months after being injured in an auto accident. When
Craig recovers, he returns to his shop where he finds broken glass and notices some of his
supplies have been pilfered. Under what condition in his commercial property policy might the
insurer deny coverage?
Vacancy
A fire burns down Jenny's Hardware, leaving virtually nothing salvageable. Which of the
following items would NOT be covered under Coverage A of the Building and Personal Property
Coverage Form in her commercial property policy?
An employee's laptop which she uses for work
(Under the Building and Personal Property Coverage Form, Coverage A - Buildings and
Structures provides coverage for all structures listed on the Dec Page, as well as any machinery,
fixtures, and equipment permanently installed inside the building. The employee's laptop would
be covered under Coverage C - Personal Property of Others.)
DEC Construction was hired to completely renovate Randall's department store. DEC
Construction is in charge of the project, but hires Mac Electric (an independent contractor) to
complete the electrical portion, and requires Mac to have Owners & Contractors Protective
Liability coverage for the job. Who is responsible for paying the premiums for this policy?
Mac Electric
Joe decides to go surfing for three months in Hawaii. Before he leaves, he locks up his surfboard
shop and rents a storage unit for most of his equipment and merchandise. When Joe returns, he
finds that his shop has been broken into and vandalized. Under what policy condition would
Joe's insurer likely refuse to make a full payment?
Vacancy
3|Page
