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Adjuster Practice Test 3: State

Practice 50 questions for the Claims Adjuster (All-Lines) licensing examination, verified against governing insurance statutory sources.

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What this Adjuster practice test covers

  • 50 exam-style questions drawn from the Claims Adjuster (All-Lines) bank
  • Every answer verified against the governing statutory code (fl-stat-627-pc-contracts)
  • Hints and a detailed explanation on every question with Pro
  • Tracks your weakest insurance topic categories before exam day

Try a few Adjuster questions

These come from our 976-question Adjuster bank. The licensing examination draws from these same state insurance statutes and NAIC model regulations.

3 FREE PREVIEW OF 50
1

Within the allowed time, a licensed physician treats a Florida passenger and documents no emergency medical condition. Her medically necessary bills total nine thousand dollars, with no deductible. Required personal injury protection medical benefits are:

Acapped at $2,500 for those services, and the remainder is not a required benefit
Bcapped at $10,000, and the physician's finding affects only the order of provider payment
Ccapped at $2,500, and disability and death benefits are forfeited as well
Dcapped at $10,000 for hospital services and $2,500 for other necessary care
2

A hurricane destroys a Florida dwelling insured for a stated amount. Wind is covered, flood excluded. The insurer's engineer finds wind alone would have caused the total loss, though surge also struck. The insurer owes:

Athe stated amount, reduced in proportion to the excluded peril's contribution
Bthe full amount the building was insured for, per the declarations
Cthe building's actual cash value just before the loss, less the deductible
Donly the part of the loss wind caused, excluding the storm surge portion
3

A Florida homeowner's policy settles on a repair or replacement cost basis. Replacing damaged tile in one room leaves a mismatch with the adjoining hallway tile. Under Florida's claim settlement statute, the insurer must:

Areasonably repair or replace items in adjoining areas, weighing cost and uniformity
Bkeep replacing tile until the finished repair matches, warranting that match under the statute
Csettle only the damaged room, and charge the insured for betterment of the hallway
Dreplace every item of that kind throughout the dwelling so the work is uniform
47 more questions, unlock with Pro