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ADJUSTER PRO - INSURANCE
ADJUSTER TEST 2025 BRAND NEW
ACTUAL EXAM WITH ANSWERS.
Joint Tortfeasors - correct answer -two or more people who join
together in committing a tort
Intentional tort - correct answer -A premeditated act that causes
injury to a third party
Negligent tort - correct answer -A negligent act that causes
unintentional injury to a third party
Reservation of rights letter - correct answer -Must include
- insurers name, policy number, and event or loss
- clearly explain the situation, especially that the policy holder may
not receive compensation or may have to defend himself in court
- inform the policy holder about potential consequences
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Non-waiver agreement - correct answer -- Also used when the
insurer thinks coverage may not apply to a claim
- allows insurer to keep its right to deny coverage
- must be signed by the policy holder (but insurer may not force a
policy holder to sign)
Two types of damages - correct answer -punitive and
compensatory
Compensatory Damages - correct answer -Money awarded for
tangible and intangible economic losses
Special damages - money awarded for tangible losses - proven
by medical bills etc
General damages - awarded for non quantifiable damages
Punitive damages - money awarded to punish egregious
misconduct
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The Statute of Limitations - correct answer -Law limiting time an
injured party has to file a complaint after an occurrence
Wrongful death act - correct answer -when someone dies
because of a negligent act, allows family to sue
Workers compensation - correct answer -Restrict right of an
employee to sue his employer for injuries that occurred on the job
Automobile no fault laws - correct answer -Restrict an individual's
rights to sue the driver of a motorized vehicle
Breach of product warranty - correct answer -If a product is not
suitable for its intended purpose and causes injury or damage.
Waiver of Sovereign Immunity - correct answer -Allows individuals
to sue gov entities in certain cases
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Agent - correct answer -One who receives the authority to act on
behalf of someone else
Sales agent - correct answer -Contracted to sell and service
insurance policies on behalf of the insurer
Adjusters - correct answer -Contracted to settle claims that arise
against the insurer
Power to bind - correct answer -What the agent says or does can
bind the insurer
Agents should take the utmost care in what they say and do
Even if the agent makes mistakes, the insurer may have to accept
them
Responsibilities of an agent - correct answer -Adhere to or follow
the contract
Use reasonable judgement
Provide all necessary information and documentation to the
insurer
ADJUSTER PRO - INSURANCE
ADJUSTER TEST 2025 BRAND NEW
ACTUAL EXAM WITH ANSWERS.
Joint Tortfeasors - correct answer -two or more people who join
together in committing a tort
Intentional tort - correct answer -A premeditated act that causes
injury to a third party
Negligent tort - correct answer -A negligent act that causes
unintentional injury to a third party
Reservation of rights letter - correct answer -Must include
- insurers name, policy number, and event or loss
- clearly explain the situation, especially that the policy holder may
not receive compensation or may have to defend himself in court
- inform the policy holder about potential consequences
, Page | 2
Non-waiver agreement - correct answer -- Also used when the
insurer thinks coverage may not apply to a claim
- allows insurer to keep its right to deny coverage
- must be signed by the policy holder (but insurer may not force a
policy holder to sign)
Two types of damages - correct answer -punitive and
compensatory
Compensatory Damages - correct answer -Money awarded for
tangible and intangible economic losses
Special damages - money awarded for tangible losses - proven
by medical bills etc
General damages - awarded for non quantifiable damages
Punitive damages - money awarded to punish egregious
misconduct
, Page | 3
The Statute of Limitations - correct answer -Law limiting time an
injured party has to file a complaint after an occurrence
Wrongful death act - correct answer -when someone dies
because of a negligent act, allows family to sue
Workers compensation - correct answer -Restrict right of an
employee to sue his employer for injuries that occurred on the job
Automobile no fault laws - correct answer -Restrict an individual's
rights to sue the driver of a motorized vehicle
Breach of product warranty - correct answer -If a product is not
suitable for its intended purpose and causes injury or damage.
Waiver of Sovereign Immunity - correct answer -Allows individuals
to sue gov entities in certain cases
, Page | 4
Agent - correct answer -One who receives the authority to act on
behalf of someone else
Sales agent - correct answer -Contracted to sell and service
insurance policies on behalf of the insurer
Adjusters - correct answer -Contracted to settle claims that arise
against the insurer
Power to bind - correct answer -What the agent says or does can
bind the insurer
Agents should take the utmost care in what they say and do
Even if the agent makes mistakes, the insurer may have to accept
them
Responsibilities of an agent - correct answer -Adhere to or follow
the contract
Use reasonable judgement
Provide all necessary information and documentation to the
insurer
