Florida 6-20 All Lines Adjuster Test
Exam Questions And Answers
A public adjuster represents the interest of:
A. The insurer
B. The Insured
C. The employer
D. The interest of the general public - - - correct answer ✅B. The
insured
Which of the following is the type of report that indicates the initial
results of a claim investigation?
A. Field Report
B. Interim Report
C. Full Report
D. None of the above - - - correct answer ✅A. Field Report
States have adopted statutes regarding claims adjusting. To avoid
unfair treatment to a
claimant the adjuster must not:
A. Promptly investigate the claim.
B. Follow the laws regarding the number of days in which to
commence an investigation.
,Florida 6-20 All Lines Adjuster Test
Exam Questions And Answers
C. Deny the claim until a fair and prompt investigation has
commenced.
D. Pay the claim within a reasonable number of days after the final
proof of loss has been
received. - - - correct answer ✅C. Deny the claim until a fair and
prompt investigation has commenced.
Which of the following is not a claim settlement option?
A. Forcing the insured to sue by offering less than the claim is
worth.
B. Repairing property.
C. Replacing with like kind and quality.
D. Replace with new - - - correct answer ✅A. Forcing the insured to
sue by offering less than the claim is worth.
The giving up of a known right is called:
A. Estoppel
B. Violation of policy conditions
C. Rebating
D. Waiver - - - correct answer ✅D. Waiver
,Florida 6-20 All Lines Adjuster Test
Exam Questions And Answers
An innocent party relies on certain statements made by the
adjuster and is damaged as a
result. The guilty party may be legally prohibited from asserting
that the fact does not exist
because of:
A. Waiver
B. Estoppel
C. Duties of the adjuster
D. Law of contract - - - correct answer ✅B. Estoppel
Should an insured fail to report a claim in a timely fashion the
adjuster will usually:
A. Deny the claim.
B. Send the insured a reservation of rights letter.
C. Cease investigating.
D. Seek the advice of the company's attorney. - - - correct answer
✅B. Send the insured a reservation of rights letter.
A company adjuster primarily represents the interests of:
A. The insured.
B. The claimant.
, Florida 6-20 All Lines Adjuster Test
Exam Questions And Answers
C. The insurer.
D. The public. - - - correct answer ✅C. The insurer.
An adjuster's license will usually be revoked for which of the
following reasons:
A. Denying claims that are not covered.
B. Failing to report a change of address.
C. Having been convicted of a misdemeanor.
D. Having been convicted of a felony. - - - correct answer ✅D.
Having been convicted of a felony.
The insured has been involved in an automobile accident and has
sustained bodily injuries
and damage to the insured vehicle. The adjuster will usually:
A. Withhold any payment until all the bills have been reviewed for
payment.
B. Pay to repair the vehicle and pay the medical bills later.
C. Pay for the repair of the vehicle and require a release for all
claims.
D. Pay to repair the damage to the vehicle and obtain a partial
release and settle the
Exam Questions And Answers
A public adjuster represents the interest of:
A. The insurer
B. The Insured
C. The employer
D. The interest of the general public - - - correct answer ✅B. The
insured
Which of the following is the type of report that indicates the initial
results of a claim investigation?
A. Field Report
B. Interim Report
C. Full Report
D. None of the above - - - correct answer ✅A. Field Report
States have adopted statutes regarding claims adjusting. To avoid
unfair treatment to a
claimant the adjuster must not:
A. Promptly investigate the claim.
B. Follow the laws regarding the number of days in which to
commence an investigation.
,Florida 6-20 All Lines Adjuster Test
Exam Questions And Answers
C. Deny the claim until a fair and prompt investigation has
commenced.
D. Pay the claim within a reasonable number of days after the final
proof of loss has been
received. - - - correct answer ✅C. Deny the claim until a fair and
prompt investigation has commenced.
Which of the following is not a claim settlement option?
A. Forcing the insured to sue by offering less than the claim is
worth.
B. Repairing property.
C. Replacing with like kind and quality.
D. Replace with new - - - correct answer ✅A. Forcing the insured to
sue by offering less than the claim is worth.
The giving up of a known right is called:
A. Estoppel
B. Violation of policy conditions
C. Rebating
D. Waiver - - - correct answer ✅D. Waiver
,Florida 6-20 All Lines Adjuster Test
Exam Questions And Answers
An innocent party relies on certain statements made by the
adjuster and is damaged as a
result. The guilty party may be legally prohibited from asserting
that the fact does not exist
because of:
A. Waiver
B. Estoppel
C. Duties of the adjuster
D. Law of contract - - - correct answer ✅B. Estoppel
Should an insured fail to report a claim in a timely fashion the
adjuster will usually:
A. Deny the claim.
B. Send the insured a reservation of rights letter.
C. Cease investigating.
D. Seek the advice of the company's attorney. - - - correct answer
✅B. Send the insured a reservation of rights letter.
A company adjuster primarily represents the interests of:
A. The insured.
B. The claimant.
, Florida 6-20 All Lines Adjuster Test
Exam Questions And Answers
C. The insurer.
D. The public. - - - correct answer ✅C. The insurer.
An adjuster's license will usually be revoked for which of the
following reasons:
A. Denying claims that are not covered.
B. Failing to report a change of address.
C. Having been convicted of a misdemeanor.
D. Having been convicted of a felony. - - - correct answer ✅D.
Having been convicted of a felony.
The insured has been involved in an automobile accident and has
sustained bodily injuries
and damage to the insured vehicle. The adjuster will usually:
A. Withhold any payment until all the bills have been reviewed for
payment.
B. Pay to repair the vehicle and pay the medical bills later.
C. Pay for the repair of the vehicle and require a release for all
claims.
D. Pay to repair the damage to the vehicle and obtain a partial
release and settle the
