10 exam-style questions with answers and explanations, straight from our 1,030-question bank. Tap an answer to check yourself. When you're ready, take the scored version in the free practice test.
These 10 free OR-GLADJ questions are organized by exam domain, so you can see how each part of the Oregon General Lines Adjuster Exam blueprint is tested. Reveal the answer and explanation under each question.
An Oregon insurer receives a properly executed proof of loss. On the 30th day, a necessary origin-and-cause report is still outstanding for documented reasons. Which handling plan complies with Oregon's ordinary claim-decision rule?
Correct answer: A - Explain the delay in writing by day 30 and send further status notices every 45 days while unresolved
Two contents receipts appear to have altered dates, but ownership records and the rest of the claim are not yet verified. The adjuster's strongest initial response is to:
Correct answer: B - Verify the receipts, preserve the evidence, and follow the insurer's special-investigation process
An insurer's website tells claimants that its field adjuster can settle losses directly. The insurer has repeatedly honored that adjuster's offers above an undisclosed $25,000 internal limit. A claimant reasonably relies on a new $32,000 offer. The claimant's argument rests primarily on:
Correct answer: C - Apparent authority
After a windstorm, a home's service mast is torn away and the meter is arcing. The owner urges the adjuster to enter immediately to document attic water damage before more rain arrives. What should occur first?
Correct answer: D - Keep people clear and obtain utility or fire-authority confirmation that the scene is de-energized
An Oregon negligence verdict sets compensatory damages at $180,000 and assigns 40% fault to the claimant and 60% combined fault to the defendants. Ignoring allocation among defendants, what amount may the claimant recover?
Correct answer: D - $108,000
At the time of a covered partial loss, a building is valued at $1,200,000. The policy carries a $720,000 limit, an 80% coinsurance clause, and a $5,000 deductible. The covered loss is $240,000, and the form applies coinsurance before the deductible. What is payable?
Correct answer: A - $175,000
A fire policy's coverage for smoke-damaged stock is disputed, and the parties also disagree about value. Under the Oregon Standard Fire Policy appraisal process, the appraisal panel may determine:
Correct answer: C - The actual cash value and amount of loss
A condominium unit owner is responsible for interior cabinetry, flooring, and alterations under the association documents and also needs contents, loss-of-use, liability, and loss-assessment protection. The form designed for this exposure is:
Correct answer: A - HO-6 Unit-Owners Form
A social guest who is neither a resident nor an employee falls on the insured's walkway and incurs timely, necessary medical expenses. Negligence has not been established. How should the homeowners claim be evaluated?
Correct answer: B - Consider Coverage F, which can pay eligible medical expenses without proof of negligence
An Oregon PIP claimant is medically unable to work for a full month, satisfying the 14-day disability trigger. The documented monthly income loss is $4,200. PIP pays 70% of income loss, subject to a $3,000 monthly maximum. What is the monthly benefit?
Correct answer: B - $2,940
The OR-GLADJ exam also covers these domains. Drill them in the full free practice test:
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