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chronic conditions that affect eyes, ears, nose, mouth, head, or neck regions include: correct answers cataracts glaucoma migraine headaches hearing loss oral cancer hypothyroidism other chronic conditions include: correct answers hypertension human immunodeficiency virus (HIV) infection diabetes mellitus autoimmune disorders neurological assessment includes: correct answers AAOx3 mental and emotional status level of consciousness behavior / appearance language motor function...

When working with an older adult who is hearing-impaired, the use of which techniques would improve communication? (Select all that apply.) 1. Check for needed adaptive equipment. 2. Exaggerate lip movements to help the patient lip read. 3. Give the patient time to respond to questions .4. Keep communication short and to the point. 5. Communicate only through written information. correct answers 1,3,4 Nurses must communicate effectively with the health care team for which of the followi...

Insurance Adjuster Exam 2024 (100% Accurate answers) 6.20 All Lines Adjuster- Florida- Review of Quizzes (100% Verified with correct answers) Adjuster Pro - Florida Certified Adjuster Glossary (100% correct answers) Adjuster Licensing (Fl) 2024 (100% verified answers)

Insurance correct answers -an economic device used to protect against extreme unforeseen loss - the transfer of risk from one party to another Premium correct answers -the fee paid by the insured in exchange for insurance Principle of Indemnity correct answers -the insurer should be restored to where they were before the incident -no profit can be made Idemnification correct answers -to compensate for loss or damage; to provide security for financial reimbursement to an individual in...

Which kind of losses are covered under a standard fire policy? correct answers Direct All fires are not covered by the Standard Fire policies, only those that: correct answers are hostile and have a flame or glow At what time does a fire policy go into affect? correct answers 12:01am standard time at the location of the insured's property A property is insured under two Standard Fire policies for $25,000 each. A fire causes $10,000 worth of damage. What is the maximum amount the insure...

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

The deductible correct answers The dollar amount that the insured pays before the insurer is required to pay the remainder of the loss is known as? Replacement cost correct answers Which loss settlement provides new for old? the claims adjuster's role in the insurance industry includes correct answers Give appropriate legal advice and write binding contracts following are examples of a peril correct answers Lighting, Explosion and Fire The abandonment clause correct answers The clau...

Accumulated Depreciation correct answers 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) correct answers 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 correct answers One of the characteristics of an insurance contract. Means that one party (the insurer) sets the ...

What is insurance? correct answers protection against financial loss what is a premium correct answers a scheduled amount to be paid for an insurance policy. What are premiums used for correct answers 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? correct answers the insurer collects premiums from all policy holders and uses them to pay out the claims of a few. what ...

What is a reserve, in insurance terms? correct answers A pool of collected premiums that the insurer sets aside to pay claims Ricky was watching a baseball game at XYZ Stadium, when the railing on which he was leaning gave way and he fell two stories. As a result of his fall, Ricky broke his back and is now paralyzed from the waist down. Ricky sued the owners of XYZ Stadium and was awarded $150,000 to cover his medical bills and $2.5 million in __________ because of the permanent nature of hi...

Florida No-Fault Tort Exemption correct answers Those who comply with the law are granted limited immunity from suits of others through PIP coverage. 4 Exceptions to Tort Exemption(Threshold of No-Fault) correct answers 1. Significant and Permanent loss of bodily function. 2.Permanent injury other than scarring and disfigurement. 3.Significant and Permanent scarring or disfigurement. 4.Death What does NFIP stand for? correct answers National Flood Insurance Program Form SR-22 correct...

Actual Cash Value correct answers Replacement cost minus depreciation Subrogation correct answers When an insured has a right to collect damages from another party but elects to claim damages under his/her insurance policy; rights transfer to the insurer Loss Payee Clause correct answers Provides, in event of payment being made under the policy in relation to insured risk, that payment will be made to a third party rather than the beneficiary Mortgagee Clause correct answers Protects a ...

What is an Insurance Policy correct answers An Insurance Policy is a Contract (agreement between 2 parties) Insurance Policy in the state of Florida must be? correct answers Written in order to constitute a policy Legal Definition of Insurance correct answers Contract that undertakes to indemnity, or make whole, or pay a certain amount in the event a covered loss occurs. Consideration correct answers Value for an Insurance contract is the premium paid by insured and the promise given by...

The insurer and insured agree to a specific value of insured item correct answers Agreed Value Policies Someone who has care, custody or control of another's property correct answers Bailee Claim filed by policy holder against his _ correct answers 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 correct answers Negligent Entrustment...

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 correct answers 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. Condition...

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

An adjuster is a fiduciary agent with a responsibility of loyalty to the interest of correct answers The insured and insurer An insurer gives which of the following as Consideration for an insurance policy? correct answers A Promise The interest of the insured and all other persons in the property involved in a claim is found in correct answers A Proof of Loss An insured rear-ends another driver's vehicle. The auto policy that pays damages to repair the damaged vehicle is a _______? ...

What is an eligible building for flood insurance? correct answers A structure with 2 or more outside rigid walls and a fully secure roof, built on a permanent site, with 50% or more of the value above ground level and located within an eligible community What is Builders Risk Coverage? correct answers Covers buildings in the course of completion. Proper coverage is 100% of expected completed value Do all Homeowners policies contain Coverage A? correct answers No, HO-4 (Renters personal pro...

Insurance correct answers transfer of risk by contract to insurers who agree to indemnify insureds for losses Risk correct answers chance of loss pure risk correct answers only outcomes are loss or no loss personal risk correct answers premature death, insufficient income, poor health, unemployment property risk correct answers loss of real property or personal property (on the land not the land itself) Liability risk correct answers something that results in loss to another (3rd ...

All of the following describe insurable interest EXCEPT correct answers -Insurable Interest must exist at the time of the loss. -Insurance Interest must exist for insurance to respond. *Show a similarity between insurance and wagering* -The insured would suffer an economic loss. An Insurance Policy is a contract with all of the following characteristics, EXCEPT correct answers -It is a personal contract. -Parties are of unequal power with ambiguities or unclear wording resolved in fav...