Adjuster Examination Study Outline March 2012 50 Items .
Adjuster Examination Study OutlineMarch 2012Kentucky Property and Casualty Insurance License Exam ManualKaplan Financial Education 1st Edition 200650 ItemsUnit 1Principles of Insurance (2% of test) - 1 questionRiskManaging RiskLaw of Large NumbersElements of InsurabilityOther Insurance TermsUnit 2The Insurance Contract (2% of test) - 1 questionElements of a Valid ContractCharacteristics of an Insurance ContractParts of the Insurance ContractUnit 4The Insurance Transaction (2% of test) – 1 questionMisrepresentation, Concealment, and FraudRepresentations and WarrantiesWaiver and EstoppelUnit 5Introduction to Property Insurance (2% of your test) – 1 questionStandardized PoliciesDeclarationsInsuring AgreementExclusions and LimitationsConditionsUnit 6Introduction to Liability Insurance (4% of test) - 2 questionsLiability LossesNegligenceDefenses Against NegligenceAbsolute LiabilityVicarious LiabilityLiability InsuranceUnit 7Dwelling Insurance (2% of your test) – 1 questionThe Dwelling PolicyBasic Form (DP-1)Broad Form (DP-2) and Special Form (DP-3)Unit 8Homeowners Insurance (12% of test) - 6 questionsThe Homeowners PolicySection I–PropertySection II - LiabilityHomeowners Endorsements
Unit 9Personal Auto Insurance (10% of test) – 5 questionsDefinitionsPart A - Liability CoveragePart B - Medical Payments CoveragePart C - Uninsured Motorists CoveragePart D - Coverage for Damage to Your AutoParts E and F - ConditionsUnderinsured Motorists CoveragePersonal Auto Policy EndorsementsNo Fault InsuranceUnit 10Miscellaneous Personal Insurance (4% of test) - 2 questionsFlood InsuranceEarthquake InsuranceMobile Home InsurancePersonal Inland Marine InsurancePersonal Watercraft InsurancePersonal Umbrella InsuranceFAIR PlansUnit 11The Commercial Package Policy (2% of test) – 1 questionEligible CoveragesCommon Policy DeclarationsCommon Policy ConditionsUnit 12The Businessowners Policy (2% of test) - 1 questionEligibility, Policy OrganizationProperty CoverageLiability and Medical Expenses CoverageConditionsEndorsementsUnit 13Commercial Property Insurance (2% of test) - 1 questionCommercial Property Coverage PartBuilding and Personal Property Coverage FormBuilders Risk Coverage FormCondominium Coverage FormsBusiness Income Coverage FormsCauses of Loss FormsEndorsementsUnit 15Commercial General Liability Insurance (4% of test) - 2 questionsBusiness Liability ExposuresCommercial General Liability Coverage PartOccurrence and Claims-Made FormsCoverage A - Bodily Injury and Property Damage LiabilityCoverage B - Personal and Advertising Injury LiabilityCoverage A and B Supplementary PaymentsCoverage C - Medical PaymentsWho is an InsuredLimits of InsuranceConditionsOther Commercial General Liability Coverage Forms andEndorsements
Unit 17Commercial Crime Insurance (2% of test) - 1 questionTypes of Crime FormsDefinitionsInsuring Agreements and EndorsementsExclusionsConditionsFidelity BondsUnit 18Workers' Compensation (2% of test) - 1 questionWorkers’ Compensation LawsFundingWorkers' Compensation and Employers Liability PolicyFederal Workers’ Compensation LawsUnit 19Miscellaneous Commercial Insurance (2% of test) - 1 questionFarm InsuranceBoiler and Machinery InsuranceAviation InsuranceProfessional Liability InsuranceEmployment Practices Liability InsuranceDifference in Conditions InsuranceCommercial Umbrella InsuranceSurety BondsFederal Terrorism Risk Insurance Act of 2002 (Extension Act of 2007)CROP REFERENCESCrop-Hail Policy General Provisions 2011 - NCIS 3Crop-Hail Insurance Kentucky Amendatory Endorsement 2009 - NCIS 3KYOptional Fire and Lightning Coverage on Crops Planted in Small Grain Crop, Stubble or Residue 2007 – NCIS 457Crop-Hail Policy Jacket 2010 - NCIS 5Crop-Hail Policy Basic Form Special Provisions Kentucky 2007 - NCIS 616KCrop-Hail Policy - Unharvested and Harvested Tobacco Form Special Provisions Kentucky 2005 - NCIS 641KCommon Crop Insurance Policy, Basic Provisions - Reinsured Version (11-BR)FCIC 98-041 - Coarse Grains Crop ProvisionsFCIC 09-CAT - Multiple Peril Catastrophic Risk Protection EndorsementCrop-Hail (4% of test) – 2 questionsPolicy Provisions of Crop-HailCrop-Hail ProvisionsCrop-Hail Basic Policy Special Provisions KentuckyKentucky Crop-Hail EndorsementsCoverage Available Multiple Peril Crop Insurance (MPCI)Claim Settlement
CLAIM BASICSClaims Continuing Education CourseKaplan Financial Education3rd Edition 2006Unit 1Unit 2Unit 3Unit 4Unit 5Adjuster Claims (14% of test) – 7 questionsThe Claims FunctionClaim Handling SkillsClaim InvestigationClaim Evaluation and DispositionEthical Issues in Claim HandlingKRS 342 and Guidebook to Workers’ Compensation Kentucky 2008 Workers’ Compensation (10% of test) – 5 questionsState Administration of Workers’ CompensationEmployer-Employee RelationshipOccupations Covered/Occupations ExcludedWhich Employers Must Be CoveredVoluntary CoverageCoverage OptionsCompulsory vs. ElectiveWho is an EmployeeOfficers/Sole ProprietorsLoaned/Leased EmployeesUp-the-Ladder DoctrineCompensable Injuries/Disease/Cumulative TraumaDetermining What is CompensableCompensable DiseasesCumulative Trauma InjuriesTypes of DisabilityStandards for DisabilityDefinitionsSpecial DefensesBenefits ProvidedWhen Benefits are Due; When Benefits EndMedical BenefitsRehabilitationDeath Medical and Burial BenefitIncome Benefits (formulas)Protection of Benefits from CreditorsOffsets (Social Security/Disability)Black Lung (Pneumoconiosis) ProvisionsSpecial Fund/AssessmentsClaims Investigation and HandlingFirst Reports, Other Reporting to OWCStatute of LimitationsBasis for Denial/ReductionIndemnity and SubrogationWrongful Discharge/ADA ProvisionsParts of PolicyCoveragesExclusionsEndorsements
Insurance CodeKentucky Law (16% of test) – 8 questionsScope, General Definitions, and Provisions KRS 304.1Adjuster Licensing Applicable LawsDefinitions KRS 304.9-020Change of Address KRS 304.9-200License Renewal KRS 304.9-260Continuing Education KRS 304.9-295Adjuster’s License: Qualifications; Examination; CatastropheAdjustments KRS 304.9-430Public Adjuster KRS 304.9-430(12)Apprentice KRS 304.9-432Suspension or Revocation of License KRS 304.9-440Reporting of Criminal or Administrative Actions KRS 304.9-467Prohibited Practices in Replacement or Repair of Automobile Glass;Penalties KRS 304.9-470Unfair Practices KRS 304.12-010Unfair Claims Settlement Practices KRS 304.12-230; 806 KAR 12:095Time of Payment of Claims KRS 304.12-235Insurance Contract KRS 304.14Motor Vehicle Insurance No-Fault KRS 304.39Insurance Fraud KRS 304.47Workers’ Compensation Unfair Claims Settlement 803 KAR 25:240
CLAIM BASICS Claims Continuing Education Course Kaplan Financial Education 3rd Edition 2006 Adjuster Claims (14% of test) – 7 questions Unit 1 The Claims Function Unit 2 Claim Handling Skills Unit 3 Claim Investigation Unit 4 Claim Evaluation and Disposition Unit 5 Ethical Issues in Claim Handling KRS 342 and Guideboo
SuperCar Lites User Manual Rev.02 7.4 SUSPENSION SETTINGS Rebound Set-Up Use a 3 mm allen key or tool. Turn the adjuster clockwise to fully closed position (position zero [0]). Turn counter clockwise to set the adjuster to recommended number of clicks. If you want to change setting, adjust in steps of 2-3 clicks at a time. Focus on the main adjuster. Main adjuster has 5-40 clicks range .
independent adjuster unless so appointed by an insurer in writing to act on the insurer’s behalf for that specific claim or purpose. A licensed public adjuster is prohibited from charging that specific claimant a fee when appointed by the insurer and the appointment is accepted by the public adjuster.
Life & Health Insurance Counselor Risk Manager Adjuster-All Lines Designated Home State Texas Full-Time Home Office Salaried Employee Public Insurance Adjuster Adjuster P&C (DHS) Texas Personal Lines Property and Casualty Adjuster-Workers' Compensation Designated Home State Texas . License Fees: Unless otherwise indicated, fees are . 50.00
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California Department of Insurance Insurance Adjuster (Independent) Examination Objectives Overview The authorizing act for an insurance adjuster (independent) is in Section 14021 of the California Insurance Code (CIC) and states, in part,
ULTRA SYPHON INSTALLATION GUIDE TECHSUPPORT 01432 357331 1 Syphon Height Indication – 71/2" - 91/2" 2 Overfl ow Height Indication 3 Max. Water Level (DO NOT EXCEED) 4 Syphon Height Adjuster Lock 5 Bell Housing Height Adjust Collar 6 “C” Link 7 Partial Flush Volume Adjuster 8 Full Flush Volume Adjuster 9 Outlet Tube 10 Sealing Washer 11 Back Nut 12 Coupling Seal 13 Coupling Nut
4. What are an Adjuster’s Responsibilities? 9 5. Adjuster Licensing 9 6. Adjuster Canons of Ethics 10 Chapter 2—Coverage 11 1. Employers Covered by the Act 11 2. What Happens if an Employer Refuses to Get Coverage? 11 3. Insurance Coverage 12 a. Standard Workers’ Compensation Insurance Policy 12 b. Employers’ Liability Insurance Coverage 13
Andreas Wagner†‡ Historically, one of the most controversial aspects of Darwinian evolution has been the prominent role that randomness and random change play in it. Most biologists agree that mutations in DNA have random effects on fitness. However, fitness is a highly simplified scalar representation of an enormously complex phenotype .
