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Exam (elaborations)

NC Claims Adjuster Exam Study Guide Questions with Actual Detailed Answers.
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26

January 2026

2025/2026

A+
Available in bundle
Liability Insurance PAP (Part A) - Answer Pays all the sums and insured must legally pay as damage due to BI/PD caused by an accident and resulting from the ownership, maintenance or use of a covered auto. Coverage Part A through F of a PAP - Answer A. Liability B. Medical Payments C. UM/UIM D. Physical Damage E. Insured Duties F. General Provisions Certificate of Insurance (COI) - Answer A document that proves the existence of insurance coverage Occurrence - Answ...
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Hawaii Adjusters Practice Test Questions with Solved Solutions 2025-2026.
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6

January 2026

2025/2026

A+
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Under the Standard Fire policy, how many days of coverage is provided by the policy to cover property moved to another location when the property is endangered by the perils insured against under the policy? - Answer 5 days When the Hawaii Department is investigating possible insurance law violations, the Commissioner will pay all of the following, EXCEPT: Answer Choices: Cost to search for items designated by the subpoena. Mileage for witnesses to attend the hearing. Costs to re...
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FINAL South Carolina Adjuster Licensing Exam and All Accurate Answers.
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18

January 2026

2025/2026

A+
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Abandonment Condition - Answer A condition often contained in property insurance policies that states that the insured cannot abandon damaged property to the insurer and demand to be reimbursed for its full value. Absolute Liability - Answer Type of liability imposed by law on those participating in certain activities that are covered particularly hazardous; person may be held liable even though they were not negligent. Accident - Answer A loss that occurs at a specific t...
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Adjuster Kentucky Insurance Exam Test Questions Answered Correctly 2025-2026 Update.
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24

January 2026

2025/2026

A+
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Four requirements of a legal contract - Answer 1. Agreement 2. Consideration 3. Competent Parties 4. Legal purpose Six Characteristics of Insurance Contracts - Answer Personal, Adhesion, Utmost Good Faith, Aleatory, Unilateral, Conditional Adhesion - Answer One party dictates, the other agrees (or not) aleatory - Answer Depends on a future, unknown event unilateral - Answer Only one party agrees to perform an act Four sections of an insurance polic...
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Adjuster Florida Claims Examination All Questions Solved Correct Graded A+.
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39

January 2026

2025/2026

A+
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Frank owned a home that was destroyed by a hurricane. Both ABC and XYZ Banks were listed as additional interests on his homeowner policy. The insurance company will make a payment to: A. The first mortgagee, ABC B. The Insured C. Jointly to ABC and XYZ D. All listed interests - Answer D. All listed interests Remember that the insurer is not responsible to know the degrees of interest. In the event of a loss, one payment is made by the insurer and it is up to the additional interests ...
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Adjuster Exam (Arizona) Practice Questions All Solved Correct Graded A+.
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28

January 2026

2025/2026

A+
Available in bundle
Commercial Automobile Insurance Procedure (Arizona) - Answer Similarly, high-risk commercial consumers who have trouble finding automobile insurance in the voluntary market may find coverage through the Commercial Automobile Insurance Plan (CAIP). Coverages available under CAIP are more limited than those available to drivers of private passenger vehicles. Under this plan, commercial consumers may only obtain Bodily Injury and Property Damage Liability with basic limits, unless higher limi...
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Study Guide Exam Claims Adjuster Questions All Answered Correct 2026 Updated.
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17

January 2026

2025/2026

A+
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Insurance - Answer -an economic device used to protect against extreme unforeseen loss - the transfer of risk from one party to another Premium - Answer -the fee paid by the insured in exchange for insurance Principle of Indemnity - Answer -the insurer should be restored to where they were before the incident -no profit can be made Indemnification - Answer -to compensate for loss or damage; to provide security for financial reimbursement to an individual in ca...
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Insurance Adjuster Final Exam Questions with Solved Solutions 2025-2026 Updated.
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19

January 2026

2025/2026

A+
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Which kind of losses are covered under a standard fire policy? - Answer Direct All fires are not covered by the Standard Fire policies, only those that: - Answer are hostile and have a flame or glow At what time does a fire policy go into effect? - Answer 12:01am standard time at the location of the insured's property A property is insured under two Standard Fire policies for $25,000 each. A fire causes $10,000 worth of damage. What is the maximum amount the insured...
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Final New York Adjuster Exam with Revised/Correct Solutions.
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8

January 2026

2025/2026

A+
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Offering any return of premium, valuable consideration or inducement when purchasing an insurance policy is an example of: - Answer I. Illegal Inducement II. Rebating Under a watercraft or yacht policy how claims are settled: - Answer Actual cash value When may an insured sue an insurance company? - Answer Not until the insured has complied with all policy provisions and within the time limit specified in the state laws What is the definition of a non-resident agent? ...
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Final Adjuster Test (California) Questions with Complete Solutions Rated A+.
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8

January 2026

2025/2026

A+
Available in bundle
Business Owner Package (BOP) - Answer bundles property, liability, and income protection in a single package. Sometimes referred to as homeowner's insurance for businesses. Is inflation coverage (guard) feature typically found in a BOP? - Answer Yes What is the value feature in a BOP? - Answer Replacement Cost What are the two basic types of coverage in a Commercial Package Policy? - Answer Liability and Property coverages What is a surety bond? - Answer ...
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