Arkansas Insurance Adjuster Practice Exam

The insurer denies Phil's claim for catching the flu from Josh primarily because:

1. the flu is a common illness.

2. Phil did not have a flu vaccination.

3. disease transmitted from the insured to a third party is excluded

4. Phil was aware of Josh's condition but still chose to visit.

The correct answer is: disease transmitted from the insured to a third party is excluded

It is common for insurance policies to exclude coverage for illnesses that are transmitted from one person to another, as in the case of Phil who caught the flu from Josh. This is to prevent fraudulent claims and to keep premiums affordable for all parties. Options A and B are incorrect because they do not provide a valid reason for denying Phil's claim. Option D may also be a contributing factor, but it is not the primary reason for the denial.