CONNECTICUT ALL -LINES EXCEPT

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CONNECTICUT ALL -LINES EXCEPT

WORKERS COMP ADJUSTE R

LICENSING COURSE QUE STIONS

ANSWERED CORRECTLY – EXPERT

VERIFIED | LATEST VERSION

Question : Each of the following people would be an insured

for auto medical payments coverage under Bob Miller's business auto policy, EXCEPT

• Bob Miller (the named insured), struck by an auto while

walking across the street. The auto was not a covered auto.

• Mel Carpenter, Bob's neighbor, occupying a covered auto.
• Frank Thomas, Bob's 17-year-old son, occupying an auto

that is not a covered auto. Frank lives with his mother, who is divorced from Bob.

• Mary Thomas, Bob's ex-wife, occupying a covered auto.

Correct answer: C; Frank Thomas, Bob's 17-year-old son,

occupying an auto that is not a covered auto. Frank lives with his mother, who is divorced from Bob.

Question : An "open-ended" release pertains to:

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• Any and all releases.
• A release involving an attorney.
• A conditional or partial release.
• A release where expenses have been paid

Correct answer: C; A conditional or partial release

Question : Which of the following is a violation of the unfair

claims practice laws?

• Knowingly misrepresenting to insureds or third-party

claimants pertinent facts or policy provisions relating to coverages at issue, or providing misleading information with respect to the coverages

• Failing to acknowledge with reasonable promptness

pertinent communications with respect to a claim

• Failing to adopt and implement reasonable standards for the

prompt investigation and settlement of claims

• All are violations

Correct answer: D; All are violations

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Question : After an auto collision loss an insurance company

may elect to pay the insured's claim and take possession of the

vehicle. This practice is referred to as:

• Salvage
• Subrogation
• Warranty
• Deductible

Correct answer: A; Salvage

Question : Which of the following would NOT be found in

the conditions section of an insurance policy?

• Subrogation rights
• Duties of the Insured
• Insurance premium
• Mortgage clause

Correct answer: C; Insurance premium

Question : What does the term "bailment" mean?

• Transfer of possession

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• Transfer of possession and temporary title
• Transfer of title
• Temporary release from jail

Correct answer: A; Transfer of possession

Question : Which of the following coverages is included in a

personal auto policy without having to issue an endorsement?

• Transportation Expenses
• Towing and Labor Costs
• Misc. Type Vehicles
• Named Nonowner

Correct answer: A; Transportation Expenses

Question : A fidelity bond is designed to protect the employer

against:

• Damage to property on which he is working
• Slander or libel
• Personal injury
• Theft by an employee