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Nurs 615 Pharm - Maryville Exam||| ACTUAL BUNDLE 2024 ||FULL PACKAGED SOLUTION ( A+ GRADED 100% VERIFIED)

Florida Claims Adjuster Exam||| ACTUAL BUNDLE 2024/2025||FULL PACKAGED SOLUTION ( A GRADED 100% VERIFIED)

Multi Peril-Package - ANSWER Any policy which provides property & liability coverage (not homeowner) ISO policy - ANSWER Sold in Texas, but not Texas form Only Texas DP 1 - ANSWER Mainly the only TDP sold, now with plethora of endorsements Texas Standard Fire Policy - ANSWER Granddaddy of all Texas property policies Business auto coverage e.g. - ANSWER Owner of a taxi to cover collision damage Inland Marine (build milk policy) would cover e.g. - ANSWER 3k g...

What is the primary difference between a staff adjuster and an independent adjuster? - ANSWER A staff adjuster works for an insurance company and an independent adjuster works independently for themselves or for adjusting firms who represent many clients. A couple has insured their home for $150,000. A fire ensues and guts their home, resulting in a total loss. An appraisal of the home prior to loss results in a value of $120,000, yet the adjuster is required by law to pay the couple $150...

Actual Cash Value (ACV) - ANSWER Cost to replace property with new property of like kind and quality less depreciation. Combined Single Limit - ANSWER One limit per occurrence is what we pay up to Split limit - ANSWER What we pay up to per person and per occurrence Deductible - ANSWER What the customer will have to pay; we cover everything else Declarations Page (Dec Page) - ANSWER The basic information about a policy: Who - names of insurer and insured Wha...

Accumulated Depreciation - ANSWER The total decrease in an item's value over a period of time. Formula: (Annual Depreciation x Number of years used) Actual Cash Value (ACV) - ANSWER A valuation method used by insurers to reflect an item's current market value right before being damaged or destroyed. Formula: (Replacement cost - Accumulated Depreciation) Adhesion - ANSWER One of the characteristics of an insurance contract. Means that one party (the insurer) sets the terms, an...

At the end of this course, you must do which of the following? Pass the final course exam with a scored of 70% or higher Print your certificate from this website Apply for your Insurance Adjuster license at the Florida Department of Financial Services website at All of the above - ANSWER All of the above Which of the following is NOT one of the duties of the Department of Financial Services? License adjusters Set rates and write policies for various company products Super...

The following are basic characteristics of a property or liability insurance contract, EXCEPT: A. Personal Contract B. Conditional Contract C. Loss Settlement Contract D. Contract of Adhesion - ANSWER C. Loss Settlement Contract The Insurers responsibility to pay for a property loss may be conditioned on the insured having used reasonable means to avoid the loss, to protect the property against further loss, and to give the insurer proof of the loss is defined as? A. Conditional ...

What is insurance? - ANSWER protection against financial loss what is a premium - ANSWER a scheduled amount to be paid for an insurance policy. What are premiums used for - ANSWER premiums are collected into a "pool" or "reserve to pay out claimants when needed. how can insurance companies afford to pay for an individuals catastrophic loss? - ANSWER the insurer collects premiums from all policy holders and uses them to pay out the claims of a few. what is Indem...

What requirements must Wholesalers and Distributors meet in order to be eligible for a BOP? - ANSWER 25% or less of floor space is available to the general public, and less than 25% of gross income may come from retail sales. The first step in the claim process is to - ANSWER Determining time and cost of repairs In Florida, an insurer has ___ days to pay or deny a claim. - ANSWER 90 Jerome was shopping at ABC Imports when a light fixture fell from the ceiling and hit him on ...

(100% CORRECT ANSWERS) The insurer and insured agree to a specific value of insured item - ANSWER Agreed Value Policies Someone who has care, custody or control of another's property - ANSWER Bailee Claim filed by policy holder against his _ - ANSWER First Party Claim When a person who entrusts another with an object and it results in injury to someone can be held liable for the injury to someone. Can be held liable for the injury i.e. Firearm or DWI - ANSWER Negligent...

Insurance - ANSWER transfer of risk by contract to insurers who agree to indemnify insureds for losses Risk - ANSWER chance of loss pure risk - ANSWER only outcomes are loss or no loss personal risk - ANSWER premature death, insufficient income, poor health, unemployment propert

A claim in the property/casualty industry Is defined as: - ANSWER an assertion of an alleged legal right against a person, entity, company or insurer that carries with it a demand for money as compensation for injuries or damages when you purchase insurance, you are buying: - ANSWER peace of mind that if an insured event does occur, that the insurance company will keep its promise and provide the financial protection that you purchased in today's society, the most important factor in the ...

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...

Frank owned a home that was destroyed by a hurricane. Both ABC and XYZ Banks were listed as additional interests on his homeowner policy. The insurance company will make a payment to: A. The first mortgagee, ABC B. The Insured C. Jointly to ABC and XYZ D. All listed interests - ANSWER D. All listed interests Remember that the insurer is not responsible to know the degrees of interest. In the event of a loss, one payment is made by the insurer and it is up to the additional interests on ...

Furosemide is added to a treatment regimen for heart failure that includes digoxin. Monitoring includes: - ANSWER serum potssium Cheryl is a healthy non-pregnant adult woman who recently had a UTI. She is asking about drinking cranberry juice to prevent a recurrence of the UTI. The correct answer is: - ANSWER This can help in some patients Along with an antibiotic prescription, lifestyle education for a non-pregnant adult female who has had a UTI includes: - ANSWER Voiding 10-1...

What is tiotropium? - ANSWER (Spiriva) Tiotropium bromide (INN) is a long-standing, 24 hour, anticholinergic bronchodilator used in the management of chronic obstructive pulmonary disease, (COPD). What is tiotropium used for maintenance treatment of? - ANSWER COPD, which includes chronic bronchitis and emphysema. Tiotropium - ANSWER is not used in the treatment for acute exacerbations of COPD and bronchitis Tiotropium - ANSWER is a muscarinic receptor antagonist, often r...

What blood values should be monitored with carbamazepine (Tegretol)? - CORRECT ANSWER CBC test every 3-4 months to monitor for decrease in WBCs, platelets, and trouble with RBC production. What are the pharmacodynamics of carbamazepine (Tegretol)? - CORRECT ANSWER - Auto-metabolizes leading to lower serum levels despite compliance. - Half-life 30 hours as single dose, 15 hours when given repeatedly. What are the Black Box Warnings for carbamazepine (Tegretol)? - CORRECT ANSWE...

1. Henry has recently started on carbamazepine to treat seizures. He comes to see you and you note that while his carbamazepine levels had been in the therapeutic range they are now low. The possible cause for the low carbamazepine levels include: - ANSWER Carbamazepine auto-induces metabolism, leading to lower levels despite good compliance. 2. Carbamazepine has a Black Box Warning due to life-threatening: - ANSWER Dermatologic reaction, including Steven's Johnson and toxic epiderma...

Maryville NURS 615 Pharm Exam 2 Carbamazepine (Tegretol) can sometimes show subtherapeutic range due to what? - CORRECT ANSWER Carbamazepine auto-induces metabolism, leading to lower levels despite good compliance What are the black box warnings for Carbamazepine? - CORRECT ANSWER Dermatologic reactions 1. Steven's Johnson 2. Toxic epidermal necrolysis What lab test should be ordered for patients on Carbamazepine? - CORRECT ANSWER CBC every 3-4 months because it can cause d...