Property and Casualty Adjuster Examination — Information & Free Practice
US-KY · Examination information
145 free questions · Answer explanations · No signup required
Property and Casualty Adjuster Examination
- Provider
- Kentucky Department of Insurance
- Format
- Written, computerized examination
- Passing score
- 70% correct
Examination outline
Principles of Insurance (2%)
- Risk
- Managing Risk
- Law of Large Numbers
- Elements of Insurability
- Other Insurance Terms
The Insurance Contract (2%)
- Elements of a Valid Contract
- Characteristics of an Insurance Contract
- Parts of the Insurance Contract
The Insurance Transaction (2%)
- Misrepresentation, Concealment, and Fraud
- Representations and Warranties
- Waiver and Estoppel
Introduction to Property Insurance (2%)
- Standardized Policies
- Declarations
- Insuring Agreement
- Exclusions and Limitations
- Conditions
Introduction to Liability Insurance (4%)
- Liability Losses
- Negligence
- Defenses Against Negligence
- Absolute Liability
- Vicarious Liability
- Liability Insurance
Dwelling Insurance (2%)
- The Dwelling Policy
- Basic Form (DP-1)
- Broad Form (DP-2) and Special Form (DP-3)
Homeowners Insurance (12%)
- The Homeowners Policy
- Section I–Property
- Section II - Liability
- Homeowners Endorsements
Personal Auto Insurance (10%)
- Definitions
- Part A - Liability Coverage
- Part B - Medical Payments Coverage
- Part C - Uninsured Motorists Coverage
- Part D - Coverage for Damage to Your Auto
- Parts E and F - Conditions
- Underinsured Motorists Coverage
- Personal Auto Policy Endorsements
- No Fault Insurance
Miscellaneous Personal Insurance (4%)
- Flood Insurance
- Earthquake Insurance
- Mobile Home Insurance
- Personal Inland Marine Insurance
- Personal Watercraft Insurance
- Personal Umbrella Insurance
- FAIR Plans
The Commercial Package Policy (2%)
- Eligible Coverages
- Common Policy Declarations
- Common Policy Conditions
The Businessowners Policy (2%)
- Eligibility, Policy Organization
- Property Coverage
- Liability and Medical Expenses Coverage
- Conditions
- Endorsements
Commercial Property Insurance (2%)
- Commercial Property Coverage Part
- Building and Personal Property Coverage Form
- Builders Risk Coverage Form
- Condominium Coverage Forms
- Business Income Coverage Forms
- Causes of Loss Forms
- Endorsements
Commercial General Liability Insurance (4%)
- Business Liability Exposures
- Commercial General Liability Coverage Part
- Occurrence and Claims-Made Forms
- Coverage A - Bodily Injury and Property Damage Liability
- Coverage B - Personal and Advertising Injury Liability
- Coverage A and B Supplementary Payments
- Coverage C - Medical Payments
- Who is an Insured
- Limits of Insurance
- Conditions
- Other Commercial General Liability Coverage Forms and Endorsements
Commercial Crime Insurance (2%)
- Types of Crime Forms
- Definitions
- Insuring Agreements and Endorsements
- Exclusions
- Conditions
- Fidelity Bonds
Workers' Compensation (2%)
- Workers’ Compensation Laws
- Funding
- Workers' Compensation and Employers Liability Policy
- Federal Workers’ Compensation Laws
Miscellaneous Commercial Insurance (2%)
- Farm Insurance
- Boiler and Machinery Insurance
- Aviation Insurance
- Professional Liability Insurance
- Employment Practices Liability Insurance
- Difference in Conditions Insurance
- Commercial Umbrella Insurance
- Surety Bonds
- Federal Terrorism Risk Insurance Act of 2002 (Extension Act of 2007)
Crop-Hail (4%)
- Policy Provisions of Crop-Hail
- Crop-Hail Provisions
- Crop-Hail Basic Policy Special Provisions Kentucky
- Kentucky Crop-Hail Endorsements
- Coverage Available Multiple Peril Crop Insurance (MPCI)
- Claim Settlement
Adjuster Claims (14%)
- The Claims Function
- Claim Handling Skills
- Claim Investigation
- Claim Evaluation and Disposition
- Ethical Issues in Claim Handling
Workers’ Compensation (10%)
- State Administration of Workers’ Compensation
- Employer-Employee Relationship
- Occupations Covered/Occupations Excluded
- Which Employers Must Be Covered
- Voluntary Coverage
- Coverage Options
- Compulsory vs. Elective
- Who is an Employee
- Officers/Sole Proprietors
- Loaned/Leased Employees
- Up-the-Ladder Doctrine
- Compensable Injuries/Disease/Cumulative Trauma
- Determining What is Compensable
- Compensable Diseases
- Cumulative Trauma Injuries
- Types of Disability
- Standards for Disability
- Definitions
- Special Defenses
- Benefits Provided
- When Benefits are Due; When Benefits End
- Medical Benefits
- Rehabilitation
- Death Medical and Burial Benefit
- Income Benefits (formulas)
- Protection of Benefits from Creditors
- Offsets (Social Security/Disability)
- Black Lung (Pneumoconiosis) Provisions
- Special Fund/Assessments
- Claims Investigation and Handling
- First Reports, Other Reporting to OWC
- Statute of Limitations
- Basis for Denial/Reduction
- Indemnity and Subrogation
- Wrongful Discharge/ADA Provisions
- Parts of Policy
- Coverages
- Exclusions
- Endorsements
Kentucky Law (16%)
- Scope, General Definitions, and Provisions KRS 304.1
- Adjuster Licensing Applicable Laws
- Definitions KRS 304.9-020
- Change of Address KRS 304.9-200
- License Renewal KRS 304.9-260
- Continuing Education KRS 304.9-295
- Adjuster’s License: Qualifications; Examination; Catastrophe Adjustments KRS 304.9-430
- Public Adjuster KRS 304.9-430(12)
- Apprentice KRS 304.9-432
- Suspension or Revocation of License KRS 304.9-440
- Reporting of Criminal or Administrative Actions KRS 304.9-467
- Prohibited Practices in Replacement or Repair of Automobile Glass; Penalties KRS 304.9-470
- Unfair Practices KRS 304.12-010
- Unfair Claims Settlement Practices KRS 304.12-230; 806 KAR 12:095
- Time of Payment of Claims KRS 304.12-235
- Insurance Contract KRS 304.14
- Motor Vehicle Insurance No-Fault KRS 304.39
- Insurance Fraud KRS 304.47
- Workers’ Compensation Unfair Claims Settlement 803 KAR 25:240
Examination sources
- Adjuster Examination Study Outline
Study outline, Unit 1
- Adjuster Examination Study Outline
Study outline, Unit 2
- Adjuster Examination Study Outline
Study outline, Unit 4
- Adjuster Examination Study Outline
Study outline, Unit 5
- Adjuster Examination Study Outline
Study outline, Unit 6
- Adjuster Examination Study Outline
Study outline, Unit 7
- Adjuster Examination Study Outline
Study outline, Unit 8
- Adjuster Examination Study Outline
Study outline, Unit 9
- Adjuster Examination Study Outline
Study outline, Unit 10
- Adjuster Examination Study Outline
Study outline, Unit 11
- Adjuster Examination Study Outline
Study outline, Unit 12
- Adjuster Examination Study Outline
Study outline, Unit 13
- Adjuster Examination Study Outline
Study outline, Unit 15
- Adjuster Examination Study Outline
Study outline, Unit 17
- Adjuster Examination Study Outline
Study outline, Unit 18
- Adjuster Examination Study Outline
Study outline, Unit 19
- Adjuster Examination Study Outline
Study outline, Crop-Hail
- Adjuster Examination Study Outline
Study outline, Adjuster Claims
- Adjuster Examination Study Outline
Study outline, Workers’ Compensation
- Adjuster Examination Study Outline
Study outline, Kentucky Law
- Agent Licensing Forms and Documents
Adjuster/Apprentice Licensing, current published outline link
- krs-304-9-160
KRS 304.9-160(1), written examination
- 806 KAR 9:025
806 KAR 9:025 Section 3(4), passing threshold
- Kentucky Department of Insurance Examination Schedule and Testing Sites
About Exam Results
- 806 KAR 9:025
806 KAR 9:025 Section 3(1)-(2), application before examination
- 806 KAR 9:025
806 KAR 9:025 Section 3(3), complete line-specific alternatives
- Checklist – How to apply for a resident insurance license
Resident adjuster checklist, line-of-authority selection