BETTER HAWAII ADJUSTER 162 REAL EXAM QUESTIONS WITH
100% RATED CORRECT ANSWERS (ACCURATELY PASSED) 2025
LATEST UPDATED GET A+
Which of the following statements is not correct regarding qualifications for an adjuster's
license? - (ANSWER)An attorney who adjusts losses from time to time is considered an
adjuster.
An unauthorized insurance company may also be referred to as a - (ANSWER)Surplus lines
insurer
Which of the following statements is not correct regarding surplus lines insurance? -
(ANSWER)The surplus lines insurance must be procured at a rate that is lower than the
prevailing rate for the same type of coverage
A surplus lines broker must file with the commissioner a statement of all surplus lines insurance
trends acted during the previous calendar - (ANSWER)Quarterly
If an insurer violates any section of the insurance code, what can the commissioner issue to stop
the insurer were from committing the violation? - (ANSWER)Cease and desist
Which of the following types of insurance provides protection and that indemnity coverage? -
(ANSWER)Marine
Is every insurer required file with the commissioner of insurance in the state of Hawaii rated
inland marine risks? - (ANSWER)No
Producers licensed to transact property and casualty insurance must complete how many hours of
continuing education every biennium devoted solely to Hawaii laws and rules? - (ANSWER)3
hours
,Failing to respond to communications from insureds within 14 business days is considered unfair
claims settlement practice - (ANSWER)Correct
Proof of financial responsibility may be given by filing a a credit report - (ANSWER)False
A producer must maintain accounts or records of all insurance transactions for how many years?
- (ANSWER)5
An insurance producer who lets his license laps, may, within 12 months - (ANSWER)Reinstate
the license without taking an examination
If a license hold the money in a fiduciary capacity, the insurance commissioner may suspend,
revoke, or refuse to withstand any license issued under Hawaii law - (ANSWER)False
A license to conduct business in Hawaii is called a - (ANSWER)Certificate of authority
Which of the following persons is permitted to prosecute producers who break Hawaii Insurance
laws? - (ANSWER)The Hawaii attorney general
May members be assessed an amount that is no more than 10% of their annual direct written
premium with regard to assessments under the Hawaii Insurance guaranty association act? -
(ANSWER)No
Which of the following is correct about uninsured motorist coverage in Hawaii? - (ANSWER)It
must be offered by the insurer were but may be rejected by the insured
In the event an insurer cancels or refuses to renew a motor vehicle insurance policy, it shall
provide how many days written notice to the insured before the effective date of cancellation or
refusal to renew? - (ANSWER)30 days
, The personal injury protection benefits it every motor vehicle insurance policy must include,
provides an aggregate limit on how much per person? - (ANSWER)$10,000
Coverage is designed to eliminate tort liability cases with regards to the purpose of the Hawaii
personal injury protection (PIP) insurance law - (ANSWER)Untrue
Which of the following has been abolished as a result of personal injury protection (no-fault)
coverage? - (ANSWER)Tort liability of the owner of an insured motor vehicle
Which of the following are the minimum limits of automobile insurance liability required in the
state of Hawaii? - (ANSWER)20/40/10
Which of the following statements with regard to premium rates under Hawaii no-fault insurance
is correct? - (ANSWER)No premium on any no-fault policy shall be increased as a result of any
accident if the insured is not at fault in the accident
The Hawaii joint underwriting plan shall provide PIP (no-fault) benefits in policies for various
classes of insureds. Which of the following classes would not qualify for coverage under the
joint underwriting plan? - (ANSWER)A person who allows the neighbor to use that covered
auto from time to time
Payment of PIP benefits shall be made within how many days after the insurer has received
reasonable proof of loss and demand for payment? - (ANSWER)30 days
HEMIC provide what type of insurance? - (ANSWER)Workers' compensation
Which of the following statements with regard to workers' compensation coverage in the state of
Hawaii is not correct? - (ANSWER)Written notice of cancellation must be provided to the
public safety commissioner
100% RATED CORRECT ANSWERS (ACCURATELY PASSED) 2025
LATEST UPDATED GET A+
Which of the following statements is not correct regarding qualifications for an adjuster's
license? - (ANSWER)An attorney who adjusts losses from time to time is considered an
adjuster.
An unauthorized insurance company may also be referred to as a - (ANSWER)Surplus lines
insurer
Which of the following statements is not correct regarding surplus lines insurance? -
(ANSWER)The surplus lines insurance must be procured at a rate that is lower than the
prevailing rate for the same type of coverage
A surplus lines broker must file with the commissioner a statement of all surplus lines insurance
trends acted during the previous calendar - (ANSWER)Quarterly
If an insurer violates any section of the insurance code, what can the commissioner issue to stop
the insurer were from committing the violation? - (ANSWER)Cease and desist
Which of the following types of insurance provides protection and that indemnity coverage? -
(ANSWER)Marine
Is every insurer required file with the commissioner of insurance in the state of Hawaii rated
inland marine risks? - (ANSWER)No
Producers licensed to transact property and casualty insurance must complete how many hours of
continuing education every biennium devoted solely to Hawaii laws and rules? - (ANSWER)3
hours
,Failing to respond to communications from insureds within 14 business days is considered unfair
claims settlement practice - (ANSWER)Correct
Proof of financial responsibility may be given by filing a a credit report - (ANSWER)False
A producer must maintain accounts or records of all insurance transactions for how many years?
- (ANSWER)5
An insurance producer who lets his license laps, may, within 12 months - (ANSWER)Reinstate
the license without taking an examination
If a license hold the money in a fiduciary capacity, the insurance commissioner may suspend,
revoke, or refuse to withstand any license issued under Hawaii law - (ANSWER)False
A license to conduct business in Hawaii is called a - (ANSWER)Certificate of authority
Which of the following persons is permitted to prosecute producers who break Hawaii Insurance
laws? - (ANSWER)The Hawaii attorney general
May members be assessed an amount that is no more than 10% of their annual direct written
premium with regard to assessments under the Hawaii Insurance guaranty association act? -
(ANSWER)No
Which of the following is correct about uninsured motorist coverage in Hawaii? - (ANSWER)It
must be offered by the insurer were but may be rejected by the insured
In the event an insurer cancels or refuses to renew a motor vehicle insurance policy, it shall
provide how many days written notice to the insured before the effective date of cancellation or
refusal to renew? - (ANSWER)30 days
, The personal injury protection benefits it every motor vehicle insurance policy must include,
provides an aggregate limit on how much per person? - (ANSWER)$10,000
Coverage is designed to eliminate tort liability cases with regards to the purpose of the Hawaii
personal injury protection (PIP) insurance law - (ANSWER)Untrue
Which of the following has been abolished as a result of personal injury protection (no-fault)
coverage? - (ANSWER)Tort liability of the owner of an insured motor vehicle
Which of the following are the minimum limits of automobile insurance liability required in the
state of Hawaii? - (ANSWER)20/40/10
Which of the following statements with regard to premium rates under Hawaii no-fault insurance
is correct? - (ANSWER)No premium on any no-fault policy shall be increased as a result of any
accident if the insured is not at fault in the accident
The Hawaii joint underwriting plan shall provide PIP (no-fault) benefits in policies for various
classes of insureds. Which of the following classes would not qualify for coverage under the
joint underwriting plan? - (ANSWER)A person who allows the neighbor to use that covered
auto from time to time
Payment of PIP benefits shall be made within how many days after the insurer has received
reasonable proof of loss and demand for payment? - (ANSWER)30 days
HEMIC provide what type of insurance? - (ANSWER)Workers' compensation
Which of the following statements with regard to workers' compensation coverage in the state of
Hawaii is not correct? - (ANSWER)Written notice of cancellation must be provided to the
public safety commissioner
