Geico Assessment Test Geico Assessment Test Verbal Reasoning 2

Question 1

Choose the word that best completes the sentence: 'The adjuster carefully _______ the damage before approving the repair estimate.'

Accepted Answer

assessed

Answer

An adjuster's primary job is to assess (evaluate) damage to determine the appropriate payout.

Question 2

A Geico email states: 'Your renewal quote reflects a 12% surcharge due to a recent at-fault accident.' What is a surcharge in this context?

Accepted Answer

An additional charge added to the premium as a penalty

Answer

A surcharge is an extra amount added to an insurance premium, typically because of increased risk such as an at-fault accident.

Question 3

Which sentence uses the word 'deductible' correctly?

Accepted Answer

The deductible is the amount the policyholder must pay out of pocket before insurance coverage kicks in.

Answer

A deductible is the portion of a claim the insured must pay before the insurer covers the rest.

Question 4

A policy exclusion clause reads: 'This policy does not cover intentional acts by the insured.' Which situation would fall under this exclusion?

Accepted Answer

A driver deliberately rams another vehicle during an argument

Answer

Deliberately ramming another vehicle is an intentional act, which exclusion clauses are designed to exclude from coverage.

Question 5

What does it mean when a Geico letter states your policy has been 'rescinded'?

Accepted Answer

Your policy has been cancelled and treated as if it never existed

Answer

Rescission voids a policy retroactively, often because of fraud or misrepresentation at the time of application.

Geico Assessment Test Practice Test