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Free All Lines Casualty Adjuster Practice Questions

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Sample Practice Questions

Try these 10 sample questions from the All Lines Casualty Adjuster practice bank. Each includes the answer and explanation. Continue with the interactive practice above to review the full question set.

  1. 1To whom must the Connecticut Insurance Commissioner pay all fees the commissioner receives?

    1. A. The State Comptroller
    2. B. The Attorney General
    3. C. The State Treasurer
    4. D. The Secretary of the State

    Answer: C

    Explanation: Section 38a-8(a) says, “The commissioner shall pay to the Treasurer all the fees that the commissioner receives.”

    Reference: Chapter 697 - General Provisions — § 38a-8(a)

  2. 2During an inspection, an adjuster finds loose stair treads that make a fall more likely. In insurance terms, what are the loose treads?

    1. A. An insured peril
    2. B. A moral hazard
    3. C. A covered occurrence
    4. D. A physical hazard

    Answer: D

    Explanation: The Connecticut glossary defines a hazard as a "Condition that creates or increases the chance of loss." Loose treads are a physical condition increasing the chance of a fall. A moral hazard concerns a person's conduct or character, a peril is a cause of loss, and an occurrence is a loss event.

    Reference: Connecticut Insurance Department Glossary — Hazard

  3. 3What minimum bodily-injury limits must Connecticut UM/UIM coverage meet?

    1. A. $10,000 for one person's bodily injury or death
    2. B. $15,000 for one person's bodily injury or death
    3. C. $20,000 for one person's bodily injury or death
    4. D. $25,000 for one person's bodily injury or death

    Answer: D

    Explanation: Section 38a-336(a)(1)(A) requires limits “not less than those specified” in § 14-112(a).

    Reference: Chapter 700 - Property and Casualty Insurance — § 38a-336(a)(1)(A)

  4. 4When may an established claims-made retroactive date be advanced in Connecticut?

    1. A. At every renewal automatically
    2. B. Only with the named insured's written consent
    3. C. Whenever a claim is reported
    4. D. Never under any circumstance

    Answer: B

    Explanation: R.C.S.A. § 38a-327-3(a) says it may be advanced “only with the written consent of the named insured.”

    Reference: eRegulations - Browse Regulations of Connecticut State Agencies — R.C.S.A. § 38a-327-3(a)

  5. 5A consultant gives incorrect professional advice that causes a client financial harm. Which liability coverage addresses errors in delivering that professional service?

    1. A. Professional errors-and-omissions coverage
    2. B. Premises and operations liability coverage
    3. C. Products and completed operations coverage
    4. D. Commercial auto liability coverage

    Answer: A

    Explanation: The NAIC identifies professional liability for errors and omissions such as "failure to provide appropriate advice" and service errors causing harm. The allegation arises from professional advice rather than premises, a product or completed work, or vehicle use.

    Reference: NAIC Small Business Insurance — Small Business Insurance, Professional Liability

  6. 6Which employer is generally subject to the Connecticut Workers' Compensation Act?

    1. A. An employer using the services of one or more employees
    2. B. Only an employer using at least two employees
    3. C. Only an employer using at least five employees
    4. D. Only an employer using at least fifty employees

    Answer: A

    Explanation: Section 31-275 defines an employer as one “using the services of one or more employees for pay.”

    Reference: Chapter 568 - Workers' Compensation Act — §§ 31-275 and 31-284

  7. 7When does a claimant's negligence bar recovery under Connecticut's modified comparative-negligence rule?

    1. A. When it equals the combined negligence of the defendants
    2. B. When it is less than the combined negligence of the defendants
    3. C. When it is less than half of the combined negligence of the defendants
    4. D. When it is greater than the combined negligence of the persons against whom recovery is sought

    Answer: D

    Explanation: Section 52-572h(b) permits recovery only if claimant negligence “was not greater than the combined negligence” of the persons against whom recovery is sought.

    Reference: Chapter 925 - Statutory Rights of Action and Defenses — § 52-572h(b)

  8. 8What remedy may the Connecticut Insurance Commissioner order for sums obtained in violation of the insurance title?

    1. A. Imprisonment without trial
    2. B. Restitution plus statutory interest
    3. C. A federal tax credit
    4. D. Automatic dissolution

    Answer: B

    Explanation: Section 38a-8(a) includes “the power to order restitution of any sums obtained in violation” plus interest.

    Reference: Chapter 697 - General Provisions — § 38a-8(a)

  9. 9A covered property loss is valued at $8,000 after applicable policy terms. The insured asks to be paid $12,000 to make a profit from the claim. Which principle controls the settlement?

    1. A. Subrogation transfers the insured's recovery right after payment
    2. B. Indemnity restores the insured's approximate preloss position
    3. C. Contribution apportions a loss among overlapping insurers
    4. D. Salvage recovers value from damaged property after payment

    Answer: B

    Explanation: The glossary states that indemnity means the insured "should be restored to approximately the same financial position that existed before the loss." Paying beyond the covered loss for profit conflicts with indemnity. The other concepts concern recoupment or allocation, not permission to gain from a loss.

    Reference: Connecticut Insurance Department Glossary — Indemnity

  10. 10When is a vehicle underinsured under Connecticut § 38a-336(e)?

    1. A. Its applicable liability limits are below the claimant policy's UM limits
    2. B. Its applicable liability limits are below the claimant's total damages
    3. C. Its actual cash value is below the claimant policy's UM limits
    4. D. Its collision deductible exceeds the claimant's property damage

    Answer: A

    Explanation: Section 38a-336(e) defines the vehicle by whether liability limits are “less than the applicable limits of liability under the uninsured motorist portion” of the claimant's policy.

    Reference: Chapter 700 - Property and Casualty Insurance — § 38a-336(e)

Topics in this practice bank

These topics describe the available practice for All Lines Casualty Adjuster. Review the examination outline and its sources for scope and allocation details.

  • CT STATUTES, RULES, AND REGULATIONS COMMON TO PROPERTY AND CASUALTY INSURANCE (10 questions)
    • General duties and powers of the Commissioners/Directors
    • Hearings/notice of hearings
    • Penalties and fines
    • Definitions
    • Definitions / Admitted and non-admitted
    • Licensing Purposes and Requirements
    • Licensing Purposes and Requirements / Changes in license status
    • Licensing Purposes and Requirements / Suspension and revocation
    • Licensing Purposes and Requirements / Expiration, nonrenewal and term of license
    • Trade Practice Law
    • Trade Practice Law / Unfair Claims Settlement Practices
    • Trade Practice Law / Fraud
    • Trade Practice Law / Misrepresentation
    • Trade Practice Law / Defamation
    • Trade Practice Law / Complaint Handling
    • Cancellations
    • Renewal/ nonrenewal
    • Connecticut Insurance Information and Privacy Protection Act
    • Legal action against insurer
    • Standard policy forms
  • GENERAL INSURANCE (30 questions)
    • Insurance Terms and Related Concepts
    • Insurance Terms and Related Concepts / Risk
    • Insurance Terms and Related Concepts / Hazard
    • Insurance Terms and Related Concepts / Indemnity
    • Insurance Terms and Related Concepts / Insurable interest
    • Insurance Terms and Related Concepts / Actual Cash Value
    • Insurance Terms and Related Concepts / Negligence
    • Insurance Terms and Related Concepts / Liability
    • Insurance Terms and Related Concepts / Accident
    • Insurance Terms and Related Concepts / Occurrence
    • Insurance Terms and Related Concepts / Burglary
    • Insurance Terms and Related Concepts / Robbery
    • Insurance Terms and Related Concepts / Theft
    • Insurance Terms and Related Concepts / Mysterious disappearance
    • Insurance Terms and Related Concepts / Binders
    • Insurance Terms and Related Concepts / Warranties
    • Insurance Terms and Related Concepts / Representations
    • Insurance Terms and Related Concepts / Concealment
    • Insurance Terms and Related Concepts / Bodily injury liability
    • Insurance Terms and Related Concepts / Property injury liability
    • Insurance Terms and Related Concepts / Personal injury liability
    • Insurance Terms and Related Concepts / Limits of liability
    • Insurance Terms and Related Concepts / Deductible
    • Insurance Terms and Related Concepts / Insured contract
    • Insurance Terms and Related Concepts / Adjuster
    • Insurance Terms and Related Concepts / Employer
    • Insurance Terms and Related Concepts / Tortfeasor
    • Insurance Terms and Related Concepts / Waiver and estoppel
    • Insurance Terms and Related Concepts / Claims made policy form
    • Insurance Terms and Related Concepts / Elements of a contract
    • Insurance Terms and Related Concepts / Subrogation
    • Policy Provisions
    • Policy Provisions / Declarations
    • Policy Provisions / Insuring agreement
    • Policy Provisions / Conditions
    • Policy Provisions / Exclusions
    • Policy Provisions / Definition
    • Policy Provisions / Duties of the insured after a loss
    • Policy Provisions / Cancellations and nonrenewal provisions
    • Policy Provisions / Supplementary Payments
    • Policy Provisions / Proof of loss
    • Policy Provisions / Notice of claim
    • Policy Provisions / Arbitration
    • Policy Provisions / Appraisal
    • Policy Provisions / Other insurance
    • Policy Provisions / Subrogation/ transfer of rights of recovery
    • Policy Provisions / Salvage
    • Policy Provisions / Loss settlement provisions
    • Policy Provisions / Limitations
    • Policy Provisions / Obligations of the insurance company
    • Policy Provisions / Policy territory
  • PERSONAL LINES (18 questions)
    • Automobiles
    • Automobiles / Liability
    • Automobiles / Physical damage
    • Automobiles / Optional medical payments/ reparations
    • Automobiles / Uninsured/underinsured motorists
    • Automobiles / Named insured
    • Automobiles / Insureds
    • Automobiles / Owned Automobiles
    • Automobiles / Nonowned automobile
    • Automobiles / Temporary substitute auto
    • Automobiles / Aftermarket parts regulation
    • Automobiles / Constructive total loss
    • Automobiles / Arbitration
    • Automobiles / Connecticut Motor Vehicle Financial Responsibility Law
    • Automobiles / Connecticut Automobile Insurance Assigned Risk Plan
    • Automobiles / Rental/Substitute Transportation Insurance
    • Homeowners
    • Homeowners / Personal liability, including farmers
    • Homeowners / Homeowners
    • Homeowners / Homeowners / Section I Coverage
    • Homeowners / Homeowners / Section I Conditions
    • Homeowners / Homeowners / Section I Exclusions
    • Homeowners / Homeowners / Section II Liability
    • Homeowners / Homeowners / Section II Liability / Medical payments
    • Homeowners / Homeowners / Section II Exclusions
  • COMMERCIAL PACKAGE POLICIES (7 questions)
    • Property
    • Commercial general liability
    • Commercial general liability / Premises and operations liability
    • Commercial general liability / Products and completed operations liability
    • Commercial general liability / Contractual liability
    • Commercial general liability / Medical payments
    • Commercial general liability / Connecticut minimum standards for claims-made
    • Businessowners liability
    • Commercial automobile
    • Crime and Bonding
    • Crime and Bonding / Employee Dishonesty
    • Crime and Bonding / Theft, disappearance, and destruction
    • Boiler and Machinery
    • Inland/Ocean Marine
  • MISCELLANEOUS LIABILITY (9 questions)
    • Professional Liability
    • Professional Liability / Errors and omissions
    • Umbrella/ excess liability
    • Watercraft
    • Watercraft / Homeowners
    • Watercraft / Boatowners
    • Dram Liability
    • Farmers Liability
  • WORKERS’ COMPENSATION (12 questions)
    • Standard policy concepts
    • Coverages
    • Coverages / Employments covered
    • Coverages / Covered injuries
    • Coverages / Occupational disease
    • Eligibility, provisions, benefits
    • Eligibility, provisions, benefits / Average weekly wage
    • Work-related vs. non-work-related
    • Forms
    • Notice of injury and claim
    • Hearings
    • Managed Care/medical providers
    • Other insurance
    • Second Injury Fund
    • Subrogation
    • Heart/ Hypertension
  • ADJUSTMENT PROCEDURES (14 questions)
    • Determining Coverages
    • Determining liability
    • Determining liability / Statements
    • Determining liability / Accident scene/ site investigations
    • Determining liability / Comparative Negligence
    • Determining Damages
    • Determining Damages / Property- scope of damages
    • Determining Damages / Damages
    • Determining Damages / Damages / General
    • Determining Damages / Damages / Special
    • Determining Damages / Damages / Punitive
    • Handling of represented parties
    • Releases
    • Statute of Limitations
    • Statute of Limitations / Automobile
    • Statute of Limitations / Contractual
    • Statute of Limitations / Personal injury
    • Statute of Limitations / Strict Liability
    • Statute of Limitations / Products Liability
    • Statute of Limitations / Dram Shop
    • Statute of Limitations / Municipality

How to use these free practice questions

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These are independent study questions, not actual examination items. For examination requirements and official information, view All Lines Casualty Adjuster details.