Alabama Insurance Adjuster Practice Exam

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Prepare for the Alabama Insurance Adjuster Test. Enhance your readiness with flashcards and multiple choice questions, complete with hints and explanations. Gear up for your exam!

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Under the Pair and Set provision of her Personal Articles Floater, what should Melanie receive from her insurer after breaking one vase?

$1,800
$2,800
$1,000
$2,000

The correct answer is: $1,000

The Pair and Set provision in a Personal Articles Floater addresses how an insured person is compensated for loss or damage to items that are part of a set or pair. When one item from a set is damaged or lost, the insurance payout is typically based on the value of the damaged item, not the entire set. Assuming that the vase is part of a set and the total value of the set is divided among the items, Melanie would receive compensation that reflects the individual value of the broken vase rather than the full value of the whole set. In this case, the correct payout indicates that the individual vase that was damaged has a value of $1,000. This aligns with the proper application of the Pair and Set provision, which specifies compensation for the damaged item proportional to its value within the complete set.