Louisiana Insurance Adjuster Practice Test

Answer choices

1. A. Delay all covered payment until the plumber admits liability.
2. B. Require the insured to sue the plumber before the insurer investigates coverage.
3. C. Preserve evidence of the plumber's potential responsibility while adjusting the insured's claim under its own policy.
4. D. Treat the plumber's negligence as automatically eliminating first-party coverage.

Wrong-answer review

• A. Delay all covered payment until the plumber admits liability.: The insurer's first-party payment obligation is not suspended until the plumber admits fault; subrogation can be pursued separately.
• B. Require the insured to sue the plumber before the insurer investigates coverage.: The insured need not sue a potentially responsible plumber before the carrier performs its own coverage and loss adjustment.
• D. Treat the plumber's negligence as automatically eliminating first-party coverage.: Third-party negligence may create recovery rights, but it does not automatically erase otherwise applicable first-party coverage.

Answer choices

1. A. Whether the spoilage endorsement covers that stock loss.
2. B. Treat spoiled stock as bodily injury under CGL.
3. C. Apply business auto comprehensive because refrigeration equipment is mechanical.
4. D. Assume spoilage is always excluded despite the endorsement.

Answer choices

1. A. Whether the van qualifies as a covered auto for the applicable coverage under the policy's symbols and schedule.
2. B. Whether the employee owns a homeowners policy.
3. C. Whether the claimant has commercial property insurance.
4. D. Whether the business has a CGL aggregate remaining.

Answer choices

1. A. Collision coverage on the insured auto.
2. B. Other-than-collision physical damage coverage.
3. C. Bodily injury and property damage liability coverage.
4. D. Uninsured motorist property coverage for the at-fault driver.

Answer choices

1. A. The insurer acquires ownership of all the insured's unrelated legal claims.
2. B. The third party becomes an additional insured under the first-party policy.
3. C. The insurer may pursue recovery from the responsible third party to the extent of rights and payment allowed by the policy and law.
4. D. The insured must always sign a broad release before any subrogation right can exist.

Answer choices

1. A. The field adjuster has final authority to create or waive SFIP coverage.
2. B. The NFIP insurer decides coverage; the adjuster documents and submits the claim.
3. C. The homeowner's carrier under the homeowners policy decides the NFIP coverage issue.
4. D. The contractor selected by the insured determines coverage if repair costs are documented.

Answer choices

1. A. Fraud or intentional concealment/misrepresentation under the applicable policy and law.
2. B. A routine deductible calculation only.
3. C. A change from named-peril to open-peril coverage.
4. D. An automatic increase in insurance.

Answer choices

1. A. Allow the work if the assistant has at least two years of insurance experience.
2. B. Do not let an unlicensed assistant perform claims-adjuster work.
3. C. Allow the work if the licensed adjuster signs the settlement after the negotiation.
4. D. Allow the work for property claims but not for casualty claims.

Answer choices

1. A. The conviction is irrelevant to insurance employment once state exam requirements are met.
2. B. Whether written regulatory consent under 18 U.S.C. §1033 is required before insurance work.
3. C. The applicant automatically qualifies for catastrophe registration instead of consent.
4. D. The applicant must obtain an NFIP adjuster certification because §1033 concerns flood claims.

Answer choices

1. A. Apply Louisiana misrepresentation law, including any required intent to deceive.
2. B. Void the policy automatically for every inaccurate answer, regardless of materiality.
3. C. Ignore the application because representations can never affect coverage.
4. D. Pay the claim solely because the premium was accepted.