Rhode Island Insurance Adjuster Exam

Which of the following expenses is NOT included in supplementary payments?

1. Bail bonds

2. First aid expenses

3. Personal liability claims

4. Pre and post judgment interest

The correct answer is: Personal liability claims

Supplementary payments are designed to cover additional expenses related to a claim, beyond the policy limits for damages. This category of payments is often specified in insurance policies to provide extra support to the insured during the claims process. Personal liability claims are primarily covered under the liability portion of the insurance policy. They include the costs associated with damages or injuries that the insured is found responsible for, subject to policy limits. Such claims directly relate to the primary coverage provided by the policy and are not classified as supplementary payments, which assist with extra costs rather than the core liability itself. In contrast, expenses like bail bonds, first aid expenses, and pre- and post-judgment interest are designed as supplementary payments to support the insured in various situations without affecting the overall policy limits for liability claims.