Arkansas Insurance Adjuster Practice Exam 2025 – Comprehensive All-in-One Guide to Exam Success

The correct answer is B. The Federal Employers Liability Act (FELA) is a federal law that protects and compensates railroad workers who are injured on the job. It provides a legal remedy for railroad workers to recover damages from their employers in the event of injuries caused by the employer's negligence. FELA covers interstate railroad workers and their families, making option B the correct statement about this law.

Options A, C, and D are incorrect:

A. Protects injured seamen allowing them to sue for damages - This statement is not true as FELA specifically applies to interstate railroad workers and not injured seamen.

C. Provides benefits to coal miners in form of payments and medical coverage - This statement is not accurate as FELA does not provide benefits specifically to coal miners.

D. Provides federal insurance for civilian employees - This statement is also incorrect as FELA does not provide federal insurance for civilian employees; it is specifically for interstate railroad workers.