RHODE ISLAND ADJUSTER'S
COMPREHENSIVE STUDY GUIDE 2026 FULL
QUESTIONS AND SOLUTIONS GRADED A+
◍ Standard Fire Policy.
Answer: Covers fire, lightning, and removal.
◍ STATED VALUE CAN NOT PAY MORE THAN TH
E. ....
Answer: POLICY LIMIT
◍ ARE SKID MARKS CONSIDERED DIRECT EVIDENCE?.
Answer: NO
◍ FOR HOW MANY DAYS DO YOU HAVE COVG FOR YOUR
PERSONAL PROP WHEN MOVING?.
Answer: 30 DAYS
◍ strict liability.
Answer: What type of liability do you not have to prove that negligence
existed?
◍ What is the BEST coverage for a 60 ft. auxiliary sail boat?.
Answer: yacht
◍ What is NOT an improper claims practice?.
Answer: Waiting longer on a final liability decision while making one last
attempt to secure another witness statement
◍ What is required when there is a deduction for BETTERMENT?.
Answer: "any deduction for betterment must be reasonable, itemized,
specified as to dollar amount, and documented in claim file"
◍ All of the following information is included on a Proof of Loss, EXCEPT:.
, Answer: policy language covering the loss
◍ WHICH OF THESE ITEMS QUALIFIES UNDER PERSONABLE
FLOATER COVERAGE?>GOLF CLUBS>HAY>YACHT>CEMENT
FOR CONSTRUCTION.
Answer: GOLF CLUBS
◍ radar.
Answer: Which is direct evidence?
◍ Pure risk.
Answer: Insurable risk.
◍ Adverse selection.
Answer: The tendency of high-risk individuals to seek insurance more often
than low-risk individuals.
◍ In an unendorsed PAP policy, rental coverage may be afforded in which of
these situations:.
Answer: when an insured's vehicle is stolen
◍ Underinsured Claim.
Answer: A claim where the at fault party has insurance, but their limits may
not be high enough to cover the full expenses of the claim
◍ How many states have adopted the Unfair Claims Settlement Practices
Regulations?.
Answer: all 50
◍ WHAT IS IT CALLED WHEN THE INSURANCE COMPANY
ASSUMES THE RIGHTS OF THE INSURED TO PURSUE THE
RESPONSIBLE PARTY FOR THE COST OF REPAIRS?.
Answer: SUBROGATION
◍ All of the following are signs of direct evidence except?(
A. Driver admitted that he was speeding.
B. Caught speeding on radar immediately prior to accident.
D. Witnesses saw him driving the card.).
, Answer: evidence of skid marks found at the scene
◍ binder.
Answer: What is used until a policy is used?
◍ UMPD has what deductible?.
Answer: $200
◍ Where is the deductible found in the insurance contract?.
Answer: declarations
◍ By virtue of payment, the insurance company assumes the rights of the
insured to pursue the responsible party for damages only to the extent of the
insurance company's payment, and as a service, the insurance company will
attempt to recover the insured's deductible. What does this describe?.
Answer: subrogation
◍ What are SUPPLEMENTARY PAYMENTS?.
Answer: - costs associated with the investigation and resolution of claims-
Including: FIRST AID EXPENSES, bail bonds, pre and post judgment
interest, and travel expenses for an insured
◍ strict liability.
Answer: Liability without fault, often used in product liability cases.
◍ An insured's temporary substitute vehicle would be covered under the
following situation:.
Answer: an insured uses a rental on vacation????
◍ If the insured has an auto policy with $50,000 liability coverage and sees a
neighbor he dislikes and runs the neighbor's foot over, how much would the
insurer pay?.
Answer: $0.00
◍ Binder.
Answer: Temporary insurance coverage until a formal policy is issued.
◍ WHAT KIND OF NEGLIGENCE STANDARD HAS RI ADOPTED?.
Answer: COMP NEG
, ◍ What is OTHER INSURANCE?.
Answer: - This provision applies when the insured has more than one policy
covering the same loss, determines how much each policy pays- Some
policies provide no coverage, some pay a pro rata share, and other apply in
excess.
◍ While driving a rental car the insured wrecks it. Where is payment made
under?.
Answer: Part A-Property Damage
◍ If a person puts a taxi sign on their car and drives people around for a fee,
how much of the passenger's medical bills are covered in an accident?.
Answer: None, since it's a taxi(also applies to Lyft & Uber)
◍ it offers liability coverage above a standard insurance policy.
Answer: How is an umbrella policy different from a standard insurance
policy?
◍ What would you call perils listed on policy?.
Answer: named perils
◍ IS A COLLISION WITH A SHOPPING CART A COMPREHENSIVE
LOSS?.
Answer: NO
◍ All of the following are covered as an "insured" for liability EXCEPT:.
Answer: all resident members of the insured's household
◍ insured describes the particulars of what happened in the accident.
Answer: What is proof of loss?
◍ WHAT WOULD BE THE APPROPRIATE COVERAGE FOR A 60 FT
SAILBOAT WITH A MOTOR?.
Answer: YACHT
◍ comparative negligence.
Answer: Each party's fault is compared, and damages are reduced
accordingly.
COMPREHENSIVE STUDY GUIDE 2026 FULL
QUESTIONS AND SOLUTIONS GRADED A+
◍ Standard Fire Policy.
Answer: Covers fire, lightning, and removal.
◍ STATED VALUE CAN NOT PAY MORE THAN TH
E. ....
Answer: POLICY LIMIT
◍ ARE SKID MARKS CONSIDERED DIRECT EVIDENCE?.
Answer: NO
◍ FOR HOW MANY DAYS DO YOU HAVE COVG FOR YOUR
PERSONAL PROP WHEN MOVING?.
Answer: 30 DAYS
◍ strict liability.
Answer: What type of liability do you not have to prove that negligence
existed?
◍ What is the BEST coverage for a 60 ft. auxiliary sail boat?.
Answer: yacht
◍ What is NOT an improper claims practice?.
Answer: Waiting longer on a final liability decision while making one last
attempt to secure another witness statement
◍ What is required when there is a deduction for BETTERMENT?.
Answer: "any deduction for betterment must be reasonable, itemized,
specified as to dollar amount, and documented in claim file"
◍ All of the following information is included on a Proof of Loss, EXCEPT:.
, Answer: policy language covering the loss
◍ WHICH OF THESE ITEMS QUALIFIES UNDER PERSONABLE
FLOATER COVERAGE?>GOLF CLUBS>HAY>YACHT>CEMENT
FOR CONSTRUCTION.
Answer: GOLF CLUBS
◍ radar.
Answer: Which is direct evidence?
◍ Pure risk.
Answer: Insurable risk.
◍ Adverse selection.
Answer: The tendency of high-risk individuals to seek insurance more often
than low-risk individuals.
◍ In an unendorsed PAP policy, rental coverage may be afforded in which of
these situations:.
Answer: when an insured's vehicle is stolen
◍ Underinsured Claim.
Answer: A claim where the at fault party has insurance, but their limits may
not be high enough to cover the full expenses of the claim
◍ How many states have adopted the Unfair Claims Settlement Practices
Regulations?.
Answer: all 50
◍ WHAT IS IT CALLED WHEN THE INSURANCE COMPANY
ASSUMES THE RIGHTS OF THE INSURED TO PURSUE THE
RESPONSIBLE PARTY FOR THE COST OF REPAIRS?.
Answer: SUBROGATION
◍ All of the following are signs of direct evidence except?(
A. Driver admitted that he was speeding.
B. Caught speeding on radar immediately prior to accident.
D. Witnesses saw him driving the card.).
, Answer: evidence of skid marks found at the scene
◍ binder.
Answer: What is used until a policy is used?
◍ UMPD has what deductible?.
Answer: $200
◍ Where is the deductible found in the insurance contract?.
Answer: declarations
◍ By virtue of payment, the insurance company assumes the rights of the
insured to pursue the responsible party for damages only to the extent of the
insurance company's payment, and as a service, the insurance company will
attempt to recover the insured's deductible. What does this describe?.
Answer: subrogation
◍ What are SUPPLEMENTARY PAYMENTS?.
Answer: - costs associated with the investigation and resolution of claims-
Including: FIRST AID EXPENSES, bail bonds, pre and post judgment
interest, and travel expenses for an insured
◍ strict liability.
Answer: Liability without fault, often used in product liability cases.
◍ An insured's temporary substitute vehicle would be covered under the
following situation:.
Answer: an insured uses a rental on vacation????
◍ If the insured has an auto policy with $50,000 liability coverage and sees a
neighbor he dislikes and runs the neighbor's foot over, how much would the
insurer pay?.
Answer: $0.00
◍ Binder.
Answer: Temporary insurance coverage until a formal policy is issued.
◍ WHAT KIND OF NEGLIGENCE STANDARD HAS RI ADOPTED?.
Answer: COMP NEG
, ◍ What is OTHER INSURANCE?.
Answer: - This provision applies when the insured has more than one policy
covering the same loss, determines how much each policy pays- Some
policies provide no coverage, some pay a pro rata share, and other apply in
excess.
◍ While driving a rental car the insured wrecks it. Where is payment made
under?.
Answer: Part A-Property Damage
◍ If a person puts a taxi sign on their car and drives people around for a fee,
how much of the passenger's medical bills are covered in an accident?.
Answer: None, since it's a taxi(also applies to Lyft & Uber)
◍ it offers liability coverage above a standard insurance policy.
Answer: How is an umbrella policy different from a standard insurance
policy?
◍ What would you call perils listed on policy?.
Answer: named perils
◍ IS A COLLISION WITH A SHOPPING CART A COMPREHENSIVE
LOSS?.
Answer: NO
◍ All of the following are covered as an "insured" for liability EXCEPT:.
Answer: all resident members of the insured's household
◍ insured describes the particulars of what happened in the accident.
Answer: What is proof of loss?
◍ WHAT WOULD BE THE APPROPRIATE COVERAGE FOR A 60 FT
SAILBOAT WITH A MOTOR?.
Answer: YACHT
◍ comparative negligence.
Answer: Each party's fault is compared, and damages are reduced
accordingly.
