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GEORGIA PRO-INSURANCE ADJUSTER EXAM
2025/2026 ACTUAL EXAM QUESTIONS AND
CORRECT DETAILED ANSWERS (VERIFIED
ANSWERS) ALL ANSWERED {200 Q & A}
ALREADY GRADED A+ / INSURANCE ADJUSTER
EXAM | BRAND NEW!
Which of the following is not an element for the formation of a
valid contract?
A) consideration
B) legal purpose
C) agreement
D) incompetent parties - ✔✔✔ correct answer > d) incompetent parties
The physical damage section of the personal auto policy excludes
losses arising from:
A) flood
B) earthquake
C) animals
D) mechanical breakdowns - ✔✔✔ correct answer > d) mechanical
breakdowns
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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 - ✔✔✔ correct answer > d) arbitration
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 - ✔✔✔ correct 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 - ✔✔✔ correct answer > b) hail
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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 - ✔✔✔ correct answer > b) physical
damage coverage
How much will the personal auto policy coverage part a pay
towards an appeal bond? - ✔✔✔ correct 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 - ✔✔✔ correct
answer > b) comprehensive nor collision coverage is never
automatically provided to newly acquired vehicles
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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 - ✔✔✔ correct 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? - ✔✔✔ correct 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
GEORGIA PRO-INSURANCE ADJUSTER EXAM
2025/2026 ACTUAL EXAM QUESTIONS AND
CORRECT DETAILED ANSWERS (VERIFIED
ANSWERS) ALL ANSWERED {200 Q & A}
ALREADY GRADED A+ / INSURANCE ADJUSTER
EXAM | BRAND NEW!
Which of the following is not an element for the formation of a
valid contract?
A) consideration
B) legal purpose
C) agreement
D) incompetent parties - ✔✔✔ correct answer > d) incompetent parties
The physical damage section of the personal auto policy excludes
losses arising from:
A) flood
B) earthquake
C) animals
D) mechanical breakdowns - ✔✔✔ correct answer > d) mechanical
breakdowns
,2|Page
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 - ✔✔✔ correct answer > d) arbitration
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 - ✔✔✔ correct 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 - ✔✔✔ correct answer > b) hail
,3|Page
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 - ✔✔✔ correct answer > b) physical
damage coverage
How much will the personal auto policy coverage part a pay
towards an appeal bond? - ✔✔✔ correct 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 - ✔✔✔ correct
answer > b) comprehensive nor collision coverage is never
automatically provided to newly acquired vehicles
, 4|Page
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 - ✔✔✔ correct 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? - ✔✔✔ correct 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
