Insurance Adjuster Exam || Most Recent || 2025 /2026 Actual
Complete Real Exam Questions With verified Answers (Correct
Answers) Already Graded A+ , Guaranteed success| Newest
Exam | Just Released !!
Which sections of the HO Policy have deductibles - ANSWER-
Section 1 has a
deductible ($250). Section 2 does NOT have a
deductible
The physical damage section of the personal auto policy
excludes losses arising from: a) flood
b) earthquake
c) animals
d) mechanical breakdowns - ANSWER-d) mechanical
breakdowns
Which of the following causes of loss is covered by
Other-Than-Collision Coverage written under a Personal
Auto Policy? a) freezing
b) electrical breakdown
c) vandalism damage to tires
d) upset - ANSWER-vandalism damage to tires
,Which of the following losses would be covered by
Other-Than-Collision Coverage under an automobile
policy? a) mechanical breakdown
b) hail
c) wear and tear
d) upset - ANSWER-b) Hail
What is the principle coverage under the Personal Auto Policy
coverage Part D?
a) liability coverage
b) physical damage coverage
c) uninsured motorist coverage
d) medical payments coverage - ANSWER-b) Physical Damage
Coverage
How much will the Personal Auto Policy Coverage Part A
pay towards an
appeal bond? - ANSWER-unlimited to
dollar amount
All of the following are true about newly-acquired eligible
vehicles, except:
a) some coverage applies automatically to all newly acquired
eligible vehicles
b) comprehensive nor collision coverage is never automatically
provided for newly acquired vehicles
c) liability coverage for additional vehicles will be provided
automatically only for
14 days
,d) if liability coverage applies to a replacement vehicle the
coverage is automatic until the end of the policy term -
ANSWER-b) comprehensive nor collision coverage is never
automatically provided to newly acquired vehicles
all of the following statements concerning the physical damage
section of the personal auto policy are correct except:
a) coverage is provided for transportation expenses if a covered
auto is stolen
b) coverage is excluded for mechanical breakdown unless it is a
result of theft of the covered vehicle
c) coverage is excluded for private passenger autos borrowed
by the named insured or family members
d) the insurer has the option of repairing a damaged auto rather
than making a monetary settlement - ANSWER-c) coverage is
excluded for private passenger autos borrowed by the named
insured or family members
Which of the following best outlines the intent of automobile
liability insurance? -
ANSWER-To pay on behalf of the insured, all sums which
the insured shall
become legally obligated to pay as damages caused by accident
and arising out
of the ownership, or use of the
automobile
Personal Auto Policy (PAP) provisions includes duties of
insured after an accident. All of the following are duties of
, insured after an accident, except: a) notify insurance
company
b) cooperate with insurer
c) do not leave the auto and accident area
d) notify the police if necessary - ANSWER-c) do not leave the
auto and accident area
All of the following would be covered under Part A- Liability on
a personal auto policy, except: - ANSWER-The insured brakes
suddenly to avoid hitting a squirrel who has run into the street
and a passenger in the insured's automobile is injured (b/c had
least amount of control, automatic reaction)
a remedy is available when the insured and the insurer cannot
agree on whether the insured is entitled to collect damages or
on the amount of damages to be awarded in uninsured motorist
cases. This remedy is: a) subrogation
b) settling out of court
c) no benefit to liable
d) arbitration - ANSWER-d) arbitration
What is a temporary substitute automobile? - ANSWER-an auto
not owned by an insured and used with the owner's permission
while the insured's auto is withdrawn from use because of its
loss, destruction, breakdown, or servicing
Auto liability insurance is divided into coverage for two types
of damage one
Complete Real Exam Questions With verified Answers (Correct
Answers) Already Graded A+ , Guaranteed success| Newest
Exam | Just Released !!
Which sections of the HO Policy have deductibles - ANSWER-
Section 1 has a
deductible ($250). Section 2 does NOT have a
deductible
The physical damage section of the personal auto policy
excludes losses arising from: a) flood
b) earthquake
c) animals
d) mechanical breakdowns - ANSWER-d) mechanical
breakdowns
Which of the following causes of loss is covered by
Other-Than-Collision Coverage written under a Personal
Auto Policy? a) freezing
b) electrical breakdown
c) vandalism damage to tires
d) upset - ANSWER-vandalism damage to tires
,Which of the following losses would be covered by
Other-Than-Collision Coverage under an automobile
policy? a) mechanical breakdown
b) hail
c) wear and tear
d) upset - ANSWER-b) Hail
What is the principle coverage under the Personal Auto Policy
coverage Part D?
a) liability coverage
b) physical damage coverage
c) uninsured motorist coverage
d) medical payments coverage - ANSWER-b) Physical Damage
Coverage
How much will the Personal Auto Policy Coverage Part A
pay towards an
appeal bond? - ANSWER-unlimited to
dollar amount
All of the following are true about newly-acquired eligible
vehicles, except:
a) some coverage applies automatically to all newly acquired
eligible vehicles
b) comprehensive nor collision coverage is never automatically
provided for newly acquired vehicles
c) liability coverage for additional vehicles will be provided
automatically only for
14 days
,d) if liability coverage applies to a replacement vehicle the
coverage is automatic until the end of the policy term -
ANSWER-b) comprehensive nor collision coverage is never
automatically provided to newly acquired vehicles
all of the following statements concerning the physical damage
section of the personal auto policy are correct except:
a) coverage is provided for transportation expenses if a covered
auto is stolen
b) coverage is excluded for mechanical breakdown unless it is a
result of theft of the covered vehicle
c) coverage is excluded for private passenger autos borrowed
by the named insured or family members
d) the insurer has the option of repairing a damaged auto rather
than making a monetary settlement - ANSWER-c) coverage is
excluded for private passenger autos borrowed by the named
insured or family members
Which of the following best outlines the intent of automobile
liability insurance? -
ANSWER-To pay on behalf of the insured, all sums which
the insured shall
become legally obligated to pay as damages caused by accident
and arising out
of the ownership, or use of the
automobile
Personal Auto Policy (PAP) provisions includes duties of
insured after an accident. All of the following are duties of
, insured after an accident, except: a) notify insurance
company
b) cooperate with insurer
c) do not leave the auto and accident area
d) notify the police if necessary - ANSWER-c) do not leave the
auto and accident area
All of the following would be covered under Part A- Liability on
a personal auto policy, except: - ANSWER-The insured brakes
suddenly to avoid hitting a squirrel who has run into the street
and a passenger in the insured's automobile is injured (b/c had
least amount of control, automatic reaction)
a remedy is available when the insured and the insurer cannot
agree on whether the insured is entitled to collect damages or
on the amount of damages to be awarded in uninsured motorist
cases. This remedy is: a) subrogation
b) settling out of court
c) no benefit to liable
d) arbitration - ANSWER-d) arbitration
What is a temporary substitute automobile? - ANSWER-an auto
not owned by an insured and used with the owner's permission
while the insured's auto is withdrawn from use because of its
loss, destruction, breakdown, or servicing
Auto liability insurance is divided into coverage for two types
of damage one
