FREE Claims Adjuster MCQ Questions and Answers

Question 1

How long is the deadline for filing a claim for medical payments under the homeowner's medical payments coverage?

Accepted Answer

1 year

Answer

Homeowner's medical payments coverage typically has a specific time limit for filing claims, which is commonly one year from the date of the accident. This coverage pays for medical expenses for guests injured on the insured's property, regardless of fault, but claims must be submitted within this defined period to be eligible.

Question 2

The insured's car has been damaged by a falling tree. This is an illustration of _________ loss.

Accepted Answer

other than collision

Answer

In auto insurance, damage caused by events other than a collision with another vehicle or object, or overturning, is classified as 'other than collision' coverage. This includes perils like falling objects (e.g., a tree), fire, theft, vandalism, and natural disasters. It's often referred to as comprehensive coverage.

Question 3

Who is not qualified for medical payment protection under the HO policy?

Accepted Answer

All of the above

Answer

Medical Payments coverage (Coverage F) in a Homeowners (HO) policy is designed to pay for medical expenses for *others* injured on the insured's premises or due to the insured's activities, regardless of fault. It specifically excludes the insured, regular residents of the household (like the insured's children), and tenants, as these individuals are expected to have their own health insurance or be covered under other sections of the policy. Therefore, none of the listed options are covered under Medical Payments.

Question 4

Which of the following would fall under a personal auto policy's other than collision coverage?

Accepted Answer

Lightning

Answer

Other than collision coverage, also known as comprehensive coverage, protects against damage to your car from incidents *other than* a collision with another vehicle or object. This typically includes perils like fire, theft, vandalism, falling objects, animal strikes, and natural disasters such as lightning, wind, or hail. Freezing, wear and tear, and punctured tires are generally considered maintenance issues or specific exclusions, not covered perils under comprehensive.

Question 5

Which of the following is not a covered auto?

Accepted Answer

Pickup truck used in any business.

Answer

A standard Personal Auto Policy (PAP) is designed for vehicles primarily used for personal, non-business purposes. While it covers owned, newly acquired, rented, or borrowed vehicles for personal use, a pickup truck used in *any business* would typically be excluded or require a commercial auto policy endorsement. The 'business use' exclusion is common in personal auto policies to differentiate between personal and commercial risks.

Claims Adjuster Test Practice Test

Claims Adjuster Test Practice Test

FREE Claims Adjuster MCQ Questions and Answers