Arkansas Insurance Adjuster Practice Exam

In which section of an insurance policy would an adjuster find clarification about what actually constitutes a collision?

1. Declarations Page

2. Definitions

3. Coverage

4. Exclusions

The correct answer is: Definitions

A collision is defined as an accident where a vehicle collides with another object. The Declarations Page typically contains information such as the policyholder's name and coverage limits, but it does not provide specific definitions. Coverage usually outlines the types of incidents that are covered by the policy, but it does not provide definitions either. Exclusions typically outline what is not covered by the policy, but it does not provide definitions either. Therefore, the Definitions section would be the most appropriate section for an adjuster to find clarification about what constitutes a collision as it provides specific definitions for key terms used in the policy.