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Florida 6-20 All Lines Adjuster Test (2025)
comprehensive questions and verified detailed
solutions (MULTIPLE CHOICES) |complete solutions
|A+ GRADED |100% CORRECT!!
A public adjuster represents the interest of:
A. The insurer
B. The Insured
C. The employer
D. The interest of the general public - (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 - (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.
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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. - (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 - (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 - (ANSWER)D. Waiver
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
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because of:
A. Waiver
B. Estoppel
C. Duties of the adjuster
D. Law of contract - (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. - (ANSWER)B. Send the insured a
reservation of rights letter.
A company adjuster primarily represents the interests of:
A. The insured.
B. The claimant.
C. The insurer.
D. The public. - (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.
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B. Failing to report a change of address.
C. Having been convicted of a misdemeanor.
D. Having been convicted of a felony. - (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
medical payments later and then seek a final release. - (ANSWER)D. Pay to repair
the damage to the vehicle and obtain a partial release and settle the
medical payments later and then seek a final release.
Mr. Jones has damaged his vehicle by striking a tree. He can:
A. Take the car to a repair garage recommended by the insurer.
B. Take the car to a garage of his/her choice.
C. Accept the payment based on the adjuster's estimate.
D. All of the above. - (ANSWER)D. All of the above.
Florida 6-20 All Lines Adjuster Test (2025)
comprehensive questions and verified detailed
solutions (MULTIPLE CHOICES) |complete solutions
|A+ GRADED |100% CORRECT!!
A public adjuster represents the interest of:
A. The insurer
B. The Insured
C. The employer
D. The interest of the general public - (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 - (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.
,2|Page
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. - (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 - (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 - (ANSWER)D. Waiver
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
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because of:
A. Waiver
B. Estoppel
C. Duties of the adjuster
D. Law of contract - (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. - (ANSWER)B. Send the insured a
reservation of rights letter.
A company adjuster primarily represents the interests of:
A. The insured.
B. The claimant.
C. The insurer.
D. The public. - (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.
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B. Failing to report a change of address.
C. Having been convicted of a misdemeanor.
D. Having been convicted of a felony. - (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
medical payments later and then seek a final release. - (ANSWER)D. Pay to repair
the damage to the vehicle and obtain a partial release and settle the
medical payments later and then seek a final release.
Mr. Jones has damaged his vehicle by striking a tree. He can:
A. Take the car to a repair garage recommended by the insurer.
B. Take the car to a garage of his/her choice.
C. Accept the payment based on the adjuster's estimate.
D. All of the above. - (ANSWER)D. All of the above.
