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Washington Insurance Adjuster — Information & Free Practice

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Washington Insurance Adjuster

Provider
PSI Services LLC
Format
Computer-delivered written examination
Exam questions
100 scored items; additional unscored questions may be present
Time limit
135 minutes
Passing score
70% correct
Exam fee
$38
Examination outline
  • Federal Laws and Regulations (5 items)
    • 18 United States Code (USC) Sections 1033 and 1034 - Purpose
    • 18 United States Code (USC) Sections 1033 and 1034 - Purpose — Prohibited Persons in Insurance, waiver required
    • National Flood Insurance Program (NFIP)
    • Terrorism Risk Insurance Act
    • Motor Carrier Act (MCS-90 and Others)
    • Privacy (Gramm-Leach-Bliley)
  • Licensing and Regulation (20 items)
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Commissioner
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Commissioner — Broad powers (RCW: 48.01.010, .020, .030, 040, .053, .060, .070, .080, .150, .190, .250; 48.02.010, .020, .060, .080, .100, .160)
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Commissioner — Examination of records (Ref: 48.03.010-.030; WAC 284-03-015)
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Commissioner — Notice of hearing (RCW: 48.04.010-.140)
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Licensing
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Licensing — Persons required to be licensed (RCW: 48.17.060, 48.17.460, 48.17.110)
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Licensing — Persons required to be licensed (RCW: 48.17.060, 48.17.460, 48.17.110) — Adjuster (RCW 48.17.010; 48.17.380,48.17.390; 48.17.410, .430, 48.17.470, WAC 284-17-06, 284-17- 123, 284-17-125, 284-17-130, .423)
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Licensing — Persons required to be licensed (RCW: 48.17.060, 48.17.460, 48.17.110) — Exemptions (RCW: 48.17..110)
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Licensing — Penalties for noncompliance (RCW 48.17.125)
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Licensing — Penalties for noncompliance (RCW 48.17.125) — Refusal/nonrenewal (RCW: 48.17.530, .540)
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Licensing — Penalties for noncompliance (RCW 48.17.125) — Suspension/revocation/probation (Ref: 48.17.530, .540, .550)
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Licensing — Penalties for noncompliance (RCW 48.17.125) — Fines (RCW 48.17.560)
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Licensing — Maintenance and duration of license
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Licensing — Maintenance and duration of license — Renewal (WAC 284-17-423; 48.14.010(1)(i))
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Licensing — Maintenance and duration of license — Continuing education -exemption (WAC 284-17-222)
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Licensing — Maintenance and duration of license — Late renewal/reinstatement (WAC 284-17-490; RCW 48.17.170)
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Licensing — Maintenance and duration of license — Reporting of actions (Ref: 48.17.597)
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Licensing — Maintenance and duration of license — Licensing Process (Ref: WAC 284-17-, .005, .065)
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Trade Practices
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Trade Practices — Purpose
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Trade Practices — Definitions
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Trade Practices — Definitions — First Party Claimant
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Trade Practices — Definitions — Third Party Claimant (WAC 284-30-320)
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Trade Practices — Definitions — Insurer
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Trade Practices — Unfair Claims Settlement Practices
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Trade Practices — Unfair Claims Settlement Practices — Misrepresentation
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Trade Practices — Unfair Claims Settlement Practices — Failure to Acknowledge Pertinent Communications
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Trade Practices — Unfair Claims Settlement Practices — Standards for Prompt Investigations of Claims
    • Washington Laws, Rules and Regulations Common to Adjuster Insurance — Trade Practices — Unfair Claims Settlement Practices — Standards for Prompt, Fair and Equitable Settlements
  • General Insurance Concepts (10 items)
    • Risk
    • Risk — Methods of Handling Risk (e.g., Avoidance, Retention, Sharing, Reduction, Transfer)
    • Risk — Elements of Insurable Risks
    • Risk — Definitions (e.g., Risk, Hazard, Peril, Loss)
    • Classifications of Insurers
    • Classifications of Insurers — Mutual, Stock
    • Classifications of Insurers — Admitted, Non-Admitted
    • Classifications of Insurers — Foreign, Domestic, Alien
    • Elements of a Contract
    • Elements of a Contract — Consideration
    • Elements of a Contract — Competent Parties
    • Elements of a Contract — Legal Purpose
    • Elements of a Contract — Offer
    • Elements of a Contract — Acceptance
    • Authority and Powers of Producers
    • Authority and Powers of Producers — Express
    • Authority and Powers of Producers — Implied
    • Authority and Powers of Producers — Apparent
    • Authority and Powers of Producers — The Law of Agency
    • Legal Interpretations Affecting Contracts
    • Legal Interpretations Affecting Contracts — Reasonable Expectations
    • Legal Interpretations Affecting Contracts — Indemnity
    • Legal Interpretations Affecting Contracts — Good Faith
    • Legal Interpretations Affecting Contracts — Fraud
    • Legal Interpretations Affecting Contracts — Warranties, Representations, Misrepresentations, and Concealment
  • Property and Casualty Insurance Basics (20 items)
    • Insurable Interest
    • Liability
    • Liability — Absolute
    • Liability — Strict
    • Liability — Vicarious
    • Underwriting
    • Underwriting — Purpose
    • Underwriting — Process
    • Underwriting — Results
    • Rate Development
    • Rate Development — Types
    • Rate Development — Components
    • Rate Development — Basis
    • Types of Hazards
    • Types of Perils
    • Types of Loss
    • Types of Loss — Direct
    • Types of Loss — Indirect
    • Loss Valuation
    • Loss Valuation — Actual Cash Value
    • Loss Valuation — Replacement Cost
    • Loss Valuation — Market Value
    • Loss Valuation — Agreed Value
    • Loss Valuation — Valued Policy
    • Loss Valuation — Functional Replacement Cost
    • Basic Types of Construction
    • Negligence
    • Negligence — Torts
    • Negligence — Elements of a Negligent Act
    • Negligence — Defense Against Negligence
    • Accident versus Occurrence
    • Policy Structure
    • Policy Structure — Declarations
    • Policy Structure — Definitions
    • Policy Structure — Insuring Agreement
    • Policy Structure — Supplementary Coverage
    • Policy Structure — Conditions
    • Policy Structure — Exclusions
    • Policy Structure — Endorsements
    • Policy Clauses
    • Policy Clauses — Insureds
    • Policy Clauses — Policy Period
    • Policy Clauses — Policy Territory
    • Policy Clauses — Cancellation and Non-Renewal
    • Policy Clauses — Deductibles
    • Policy Clauses — Other Insurance
    • Policy Clauses — Other Insurance — Nonconcurrency
    • Policy Clauses — Other Insurance — Primary and Excess
    • Policy Clauses — Other Insurance — Pro Rata
    • Policy Clauses — Other Insurance — Contribution by Equal Shares
    • Limits of Liability
    • Limits of Liability — Per Accident
    • Limits of Liability — Per Occurrence
    • Limits of Liability — Per Person
    • Limits of Liability — Aggregate
    • Limits of Liability — Split Limits
    • Limits of Liability — Combined Single Limit
    • Coinsurance
    • Coinsurance — Purpose
    • Coinsurance — Definition
    • Coinsurance — Calculation
    • Coinsurance — Penalties
    • Coinsurance — Total versus Partial Loss
    • Specific, Scheduled, and Blanket Insurance
    • Vacant versus Unoccupied
    • Named Insured Provisions
    • Named Insured Provisions — First Named Insured versus Other Insureds
    • Named Insured Provisions — Duties After Loss
    • Named Insured Provisions — Assignment
    • Named Insured Provisions — Waiver of Rights
    • Insurer Provisions
    • Insurer Provisions — Liberalization
    • Insurer Provisions — Subrogation
    • Insurer Provisions — Claim Settlement Options
    • Insurer Provisions — Duty to Defend
    • Third-Party Provisions
    • Third-Party Provisions — Standard Mortgage Clause
    • Third-Party Provisions — Loss Payable Clause
    • Third-Party Provisions — No Benefit to the Bailee
  • Dwelling Policy Concepts (4 items)
    • Purpose and Eligibility
    • Perils Insured Against
    • Perils Insured Against — Basic
    • Perils Insured Against — Broad
    • Perils Insured Against — Special
    • Property Coverages
    • Property Coverages — Coverage A - Dwelling
    • Property Coverages — Coverage B - Other Structures
    • Property Coverages — Coverage C - Personal Property
    • Property Coverages — Coverage D - Fair Rental Value
    • Property Coverages — Coverage E - Additional Living Expenses
    • Property Coverages — Other Coverages
    • Dwelling Property Conditions
    • Dwelling Property Exclusions
    • Dwelling Property Endorsements
    • Personal Liability Supplement
    • Personal Liability Supplement — Coverage L - Personal Liability
    • Personal Liability Supplement — Coverage M - Medical Payments to Others
  • Homeowners Policy Concepts (9 items)
    • Definitions
    • Eligibility and Purpose
    • Homeowners Policy Coverage Forms
    • Homeowners Policy Coverage Forms — Broad (HO-2)
    • Homeowners Policy Coverage Forms — Special (HO-3)
    • Homeowners Policy Coverage Forms — Contents Broad (HO-4)
    • Homeowners Policy Coverage Forms — Comprehensive (HO-5)
    • Homeowners Policy Coverage Forms — Unit-Owners (HO-6)
    • Homeowners Policy Coverage Forms — Modified Coverages (HO-8)
    • Section I - Property Coverages
    • Section I - Property Coverages — Coverage A - Dwelling
    • Section I - Property Coverages — Coverage B - Other Structures
    • Section I - Property Coverages — Coverage C - Personal Property
    • Section I - Property Coverages — Coverage D - Loss of Use
    • Section I - Property Coverages — Additional Coverages
    • Section II - Liability Coverages
    • Section II - Liability Coverages — Coverage E - Personal Liability
    • Section II - Liability Coverages — Coverage F - Medical Payments to Others
    • Section II - Liability Coverages — Additional Coverages
    • Homeowners Policy Exclusions
    • Homeowners Policy Exclusions — Section I-Property Covered Exclusions
    • Homeowners Policy Exclusions — Section II - Liability Covered Exclusions
    • Homeowners Policy Conditions
    • Homeowners Policy Endorsements
    • Homeowners Policy Endorsements — Ordinance or Law
    • Homeowners Policy Endorsements — Business Pursuits
    • Homeowners Policy Endorsements — Earthquake
    • Homeowners Policy Endorsements — Home Day Care
    • Homeowners Policy Endorsements — Personal Injury
    • Homeowners Policy Endorsements — Personal Property Replacement Cost
    • Homeowners Policy Endorsements — Watercraft
    • Scheduled Personal Property/Personal Articles Floater
  • Commercial Property Policies (3 items)
    • Commercial Package Policy
    • Commercial Package Policy — Purpose
    • Commercial Package Policy — Definition
    • Commercial Package Policy — Coverage Parts
    • Commercial Package Policy — Coverage Extensions
    • Commercial Policy Components
    • Commercial Policy Components — Declarations
    • Commercial Policy Components — Conditions
    • Commercial Policy Components — Insuring Agreements
    • Commercial Policy Components — Exclusions
    • Commercial Property Forms
    • Commercial Property Forms — Coverage Forms for Building and Business Personal Property
    • Commercial Property Forms — Builders Risk
    • Commercial Property Forms — Business Income
    • Commercial Property Forms — Extra Expense
    • Commercial Property Forms — Legal Liability
    • Commercial Property Forms — Cause of Loss Forms
    • Commercial Property Forms — Commercial Crime
    • Commercial Property Endorsements
    • Commercial Property Endorsements — Ordinance or Law
    • Commercial Property Endorsements — Peak Season Limit of Insurance
    • Commercial Property Endorsements — Spoilage
    • Commercial Property Endorsements — Value Reporting Form
    • Commercial Property Endorsements — Earthquake
    • Commercial Property Endorsements — Equipment Breakdown Coverages
    • Commercial Inland Marine - Purpose
    • Ocean Marine (Distinction Between Inland and Ocean)
    • Farm Property
    • Farm Property — Definitions
    • Farm Property — Conditions and Exclusions
    • Farm Property — Coverages
  • Personal Automobile Policy (9 items)
    • Definitions
    • Personal Injury Protection Definitions
    • General Provisions
    • Duties After an Accident or Loss
    • Endorsements
    • Endorsements — Towing and Labor Costs
    • Endorsements — Extended Non-Owned Coverage - Vehicles Furnished or Available for Regular Use
    • Endorsements — Joint Ownership Coverage
    • Endorsements — Rental Vehicle Coverage
    • Liability Coverage
    • Liability Coverage — Bodily Injury and Property Damage
    • Liability Coverage — Supplementary Payments
    • Liability Coverage — Exclusions
    • Medical Payments Coverage
    • Uninsured and Underinsured Motorist Coverage
    • Uninsured and Underinsured Motorist Coverage — Definitions
    • Uninsured and Underinsured Motorist Coverage — Bodily Injury
    • Uninsured and Underinsured Motorist Coverage — UM and UIM Rejection
    • Coverage for Damage to your Automobile
    • Coverage for Damage to your Automobile — Collision
    • Coverage for Damage to your Automobile — Other than Collision (Comprehensive)
    • Coverage for Damage to your Automobile — Deductibles
    • Coverage for Damage to your Automobile — Exclusions
  • Commercial Automobile Policy (3 items)
    • Commercial Automobile Coverage Forms
    • Covered Automobiles
    • Covered Automobiles — Hired Automobiles
    • Covered Automobiles — Non-owned Automobiles
    • Definitions
    • Conditions
    • Selected Endorsements
    • Selected Endorsements — Lessor - Additional Insured and Loss Payee
    • Selected Endorsements — Mobile Equipment
    • Selected Endorsements — Property Protection Coverage
    • Selected Endorsements — Broad Form Products
    • Selected Endorsements — Employees as Insureds
    • Exclusions
    • Physical Damage
  • Commercial General Liability (3 items)
    • Commercial Policy Components
    • Commercial Policy Components — Declarations
    • Commercial Policy Components — Conditions
    • Commercial Policy Components — Interline Endorsements
    • Commercial General Liability Coverages
    • Commercial General Liability Coverages — Bodily Injury and Property Damage
    • Commercial General Liability Coverages — Personal and Advertising Injury
    • Commercial General Liability Coverages — Medical Payments
    • Commercial General Liability Coverages — Conditions
    • Commercial General Liability Coverages — Definitions
    • Commercial General Liability Coverages — Exclusions
    • Occurrence Policy versus Claims-Made Policy
    • Commercial General Liability Exposures
    • Commercial General Liability Exposures — Premises and Operations
    • Commercial General Liability Exposures — Products and Completed Operations
    • Commercial General Liability Exposures — Contractual Liability
  • Other Types of Insurance Policies (1 item)
    • Personal Umbrella, Commercial Umbrella, and Excess Policies
    • Personal Umbrella, Commercial Umbrella, and Excess Policies — Underlying Limits
    • Personal Umbrella, Commercial Umbrella, and Excess Policies — Self-Insured Retention
    • Mobile Home Policy (Insuring Agreement)
    • Earthquake Insurance (Insuring Agreement)
    • Earthquake Insurance (Insuring Agreement) — Deductible
  • Adjustment Process (13 items)
    • Claim Notification Process
    • Claim Notification Process — Date of Loss
    • Claim Notification Process — Location
    • Claim Notification Process — Parties Involved
    • Claim Notification Process — Type of Loss (e.g. Liability, Property)
    • Investigation and Evaluation of Loss/Claim Information
    • Investigation and Evaluation of Loss/Claim Information — Determination of Applicable Coverage
    • Investigation and Evaluation of Loss/Claim Information — Inquiry into Relevant Information
    • Investigation and Evaluation of Loss/Claim Information — Purpose of Loss Reserves
    • Remedies for Disputes
    • Remedies for Disputes — Appraisal
    • Remedies for Disputes — Mediation (Binding and Unbinding)
    • Remedies for Disputes — Arbitration (Binding and Unbinding)
    • Remedies for Disputes — Litigation
    • Finalization of Claim
    • Finalization of Claim — Denial
    • Finalization of Claim — Settlement
    • Finalization of Claim — Closing Claim
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