GA Adjuster Exam Review / GA Claims Adjuster
Licensing Exam COMBINED Ques!ons and answers
Updated RATED A+ 2025/2026 NEW!!
In GA, _____insurance cannot be wri en by a reciprocal type insurer. - Answers life
No insurer or licensee doing business in Georgia may pay any commissions or valuable
considera on to any person for services as an agent, subagent, or adjuster unless that person is
duly licensed under the - Answers Code
Media on is not _____ on the par es involved, but with arbitra on the decision is final and
_____. - Answers Binding
Standard and Poor's, A.M. Best and Moody's are examples of: - Answers Independent Ra ng
Services
What is the applica on fee for filing to become a self-insurer for workers compensa on in
Georgia? - Answers $500
Insurance adjusters have the "power to bind". Which of the following statements best
describes what this means? - Answers The principal is bound to the decisions of the adjuster.
The perils most frequently covered by a Difference in Condi ons policy are: - Answers Flood
and Earthquake
What is the purpose of the Georgia Insurance Guaranty Associa on? - Answers Cover claims
of insolvent insurers
, Twis ng - Answers The act of inducing or a emp ng to induce a policy owner to drop an
exis ng life insurance policy and to take another policy that is substan ally the same kind by
using misrepresenta ons or incomplete comparisons of the advantages and disadvantages of
the two policies. Most states have enacted legisla on making twis ng a crime.
Churning - Answers Churning occurs when an insurance agent replaces a policyholder's
insurance policy for another insurance policy, usually without consul ng the policyholder and
o9en with no changes to the coverage itself. Agents who engage in churning do so in order to
secure an addi onal commission for the new policy they swap in.
Reba ng - Answers Reba ng — a por on of the premium or the agent's/broker's commission
on the premium to the insured or other inducements to place business with a specific insurer.
Reba ng is illegal in the majority of states. Insurers must use filed rate credits or have
suppor ng methodology.
Uninsured motorist coverage law in Georgia applies to bodily injury claims sustained by an
insured and caused by an uninsured motorist as defined by the law. UMPD coverage is also
included. - Answers
In Georgia, the Chief Deputy Commissioner must execute a bond in the amount of: - Answers
$15,000
Adjusters must maintain record of each inves ga on or adjustment undertaken, and a
statement of any fee, commission, or other compensa on received or to be received on account
of the inves ga on or adjustment. How long must the records be maintained for examina on? -
Answers 5
The limits of the Employers' Liability sec on of a standard workers' compensa on policy are: -
Answers Listed on the informa on page
,An insured has purchased BAP physical damage coverage against specified causes of loss.
Protec on applies to all of the following perils, EXCEPT: - Answers Falling objects
Which of the following statements is NOT TRUE of the Builders' Risk coverage form? - Answers
T
An insured carries a liability policy and an umbrella policy. The verdict in a personal injury
liability suit was higher than the insured's underlying liability policy's limit of insurance. In this
situa on: - Answers The insurance company providing the insured's umbrella liability policy
can appeal the case at its own expense even if the insured and the company providing the
underlying policy do not appeal.
What is a "no ce to show cause?" - Answers A no ce that states the proposed ac on may be
taken by the Insurance Department unless the person shows cause at a hearing why the ac on
should not be taken.
How long can temporary total disability payments be made to an injured employee? - Answers
400 weeks
Which of the following is NOT covered by the Federal Employee's Compensa on Act (FECA)? -
Answers Damages awarded by a court
What is the maximum penalty per viola on if a person willfully and knowingly or inten onally
makes any false or misstatement for the purpose of obtaining or denying benefits or payment of
workers compensa on coverage? - Answers $10,000
If an injured employee hires an a orney to represent them in a workers compensa on claim
dispute, what percentage of the income benefits can the a orney charge for the
representa on? - Answers 25%
, In Georgia, a premium reduc on for a defensive driving course applies in which of the following
circumstances? - Answers For each personal or family-type policy of private passenger motor
vehicle insurance issued or issued for delivery in this state, the insurer must offer premium
reduc ons of not less than 10% for motor vehicle liability, first party medical, and collision
coverages if all named drivers of each motor vehicle covered by the policy sa sfy the following
requirements: 1. Have commi ed no traffic offenses for the prior three years. 2. Have no claims
based on fault against an insurer for the prior three years. 3. Complete a defensive driving
course which is one of the types of courses approved by the Code.
The "period of restora on" for the Extra Expense coverage included on the Business Income
form is: - Answers Immediately following the direct physical damage
Agent Rice informs the insured that he needs to secure motor vehicle records on all of the
drivers in the household based on company requirements. This is an example of Agent Rice's: -
Answers Implied authority - the authority the agent believes he has in order to do his job
properly
Which of the following relieves the financial burden on the claimant by making certain
payments to the claimant even before the claim is nego ated? - Answers Advance Payment
Coverage for workers compensa on coverage in Georgia is op onal for which of the following?
- Answers A partner or sole proprietor
A partner or sole proprietor is not an employee of the business unless he/she wishes to be
included as an employee in the coverage provisions and so advises his or her insurance
company.
A warranty is something that becomes part of the contract and is a statement that is
considered to be a guarantee of truth for the en re term of the policy. - Answers
Licensing Exam COMBINED Ques!ons and answers
Updated RATED A+ 2025/2026 NEW!!
In GA, _____insurance cannot be wri en by a reciprocal type insurer. - Answers life
No insurer or licensee doing business in Georgia may pay any commissions or valuable
considera on to any person for services as an agent, subagent, or adjuster unless that person is
duly licensed under the - Answers Code
Media on is not _____ on the par es involved, but with arbitra on the decision is final and
_____. - Answers Binding
Standard and Poor's, A.M. Best and Moody's are examples of: - Answers Independent Ra ng
Services
What is the applica on fee for filing to become a self-insurer for workers compensa on in
Georgia? - Answers $500
Insurance adjusters have the "power to bind". Which of the following statements best
describes what this means? - Answers The principal is bound to the decisions of the adjuster.
The perils most frequently covered by a Difference in Condi ons policy are: - Answers Flood
and Earthquake
What is the purpose of the Georgia Insurance Guaranty Associa on? - Answers Cover claims
of insolvent insurers
, Twis ng - Answers The act of inducing or a emp ng to induce a policy owner to drop an
exis ng life insurance policy and to take another policy that is substan ally the same kind by
using misrepresenta ons or incomplete comparisons of the advantages and disadvantages of
the two policies. Most states have enacted legisla on making twis ng a crime.
Churning - Answers Churning occurs when an insurance agent replaces a policyholder's
insurance policy for another insurance policy, usually without consul ng the policyholder and
o9en with no changes to the coverage itself. Agents who engage in churning do so in order to
secure an addi onal commission for the new policy they swap in.
Reba ng - Answers Reba ng — a por on of the premium or the agent's/broker's commission
on the premium to the insured or other inducements to place business with a specific insurer.
Reba ng is illegal in the majority of states. Insurers must use filed rate credits or have
suppor ng methodology.
Uninsured motorist coverage law in Georgia applies to bodily injury claims sustained by an
insured and caused by an uninsured motorist as defined by the law. UMPD coverage is also
included. - Answers
In Georgia, the Chief Deputy Commissioner must execute a bond in the amount of: - Answers
$15,000
Adjusters must maintain record of each inves ga on or adjustment undertaken, and a
statement of any fee, commission, or other compensa on received or to be received on account
of the inves ga on or adjustment. How long must the records be maintained for examina on? -
Answers 5
The limits of the Employers' Liability sec on of a standard workers' compensa on policy are: -
Answers Listed on the informa on page
,An insured has purchased BAP physical damage coverage against specified causes of loss.
Protec on applies to all of the following perils, EXCEPT: - Answers Falling objects
Which of the following statements is NOT TRUE of the Builders' Risk coverage form? - Answers
T
An insured carries a liability policy and an umbrella policy. The verdict in a personal injury
liability suit was higher than the insured's underlying liability policy's limit of insurance. In this
situa on: - Answers The insurance company providing the insured's umbrella liability policy
can appeal the case at its own expense even if the insured and the company providing the
underlying policy do not appeal.
What is a "no ce to show cause?" - Answers A no ce that states the proposed ac on may be
taken by the Insurance Department unless the person shows cause at a hearing why the ac on
should not be taken.
How long can temporary total disability payments be made to an injured employee? - Answers
400 weeks
Which of the following is NOT covered by the Federal Employee's Compensa on Act (FECA)? -
Answers Damages awarded by a court
What is the maximum penalty per viola on if a person willfully and knowingly or inten onally
makes any false or misstatement for the purpose of obtaining or denying benefits or payment of
workers compensa on coverage? - Answers $10,000
If an injured employee hires an a orney to represent them in a workers compensa on claim
dispute, what percentage of the income benefits can the a orney charge for the
representa on? - Answers 25%
, In Georgia, a premium reduc on for a defensive driving course applies in which of the following
circumstances? - Answers For each personal or family-type policy of private passenger motor
vehicle insurance issued or issued for delivery in this state, the insurer must offer premium
reduc ons of not less than 10% for motor vehicle liability, first party medical, and collision
coverages if all named drivers of each motor vehicle covered by the policy sa sfy the following
requirements: 1. Have commi ed no traffic offenses for the prior three years. 2. Have no claims
based on fault against an insurer for the prior three years. 3. Complete a defensive driving
course which is one of the types of courses approved by the Code.
The "period of restora on" for the Extra Expense coverage included on the Business Income
form is: - Answers Immediately following the direct physical damage
Agent Rice informs the insured that he needs to secure motor vehicle records on all of the
drivers in the household based on company requirements. This is an example of Agent Rice's: -
Answers Implied authority - the authority the agent believes he has in order to do his job
properly
Which of the following relieves the financial burden on the claimant by making certain
payments to the claimant even before the claim is nego ated? - Answers Advance Payment
Coverage for workers compensa on coverage in Georgia is op onal for which of the following?
- Answers A partner or sole proprietor
A partner or sole proprietor is not an employee of the business unless he/she wishes to be
included as an employee in the coverage provisions and so advises his or her insurance
company.
A warranty is something that becomes part of the contract and is a statement that is
considered to be a guarantee of truth for the en re term of the policy. - Answers
