NC ADJUSTER LICENSE CERTIFICATION
EVALUATION TEST 2026 FULL QUESTIONS AND
CORRECT ANSWERS ALREADY PASSED
GRADED A+
◉ Under the comprehensive coverage of a Business Auto policy,
which of the following would not be a covered loss? Answer: After
sliding on an icy pavement, a driver hits a guard rail.
◉ The Insurance Information & Privacy Protection Act (IIPPA)
requires insurers to conform to all of the following standards,
EXCEPT: Answer: Give reasonable notice for policy renewal and
other policy changes.
◉ The Section I Additional Coverage of the standard
Businessowners policy provides coverage for "Debris Removal".
Which of the following statements best describes the limit for this
coverage? Answer: The total limit may be up to 25% of the policy
limit for the loss payable with the deductible included, plus up to an
additional $25,000 if the policy limits are exhausted
◉ When would the Personal Auto policy respond to a loss with an
all-terrain three-wheeled vehicle? Answer: When used in an
emergency situation
,◉ Sarah is shopping at a grocery store and wants to purchase a
bottle of juice. The aisle is marked off with a rope awaiting the clerk
to clean up a previously broken bottle and spill on the floor. Sarah
moves the rope to get the item and slips and falls on the floor, cutting
her face on the scattered glass. Which of the following would be the
defense that the insurance company would most likely use in this
situation? Answer: Assumption of risk and contributory negligence
on the part of the customer
◉ All of the following are excluded under the 1943 Standard Fire
policy, EXCEPT: Answer: The theft of property after it had been
removed from the insured premises to protect it from further loss..
◉ Which of the following statements is NOT TRUE regarding the
"period of restoration" for Business Income and Extra Expense
coverage? Answer: The period of restoration ends when the policy
period ends
◉ Fidelity bonds are used to cover: Answer: Employee dishonesty
◉ Violating a cease and desist order issued by the North Carolina
Commissioner after finding a violation of the Unfair Practices will
result in a a monetary fine of: Answer: A sum of not less than $1,000
nor more than $5,000 for each violation
, ◉ A licensee, for the second time, does not maintain records of
insurance transactions as prescribed by the North Carolina
Commissioner. He/she will: Answer: Have their license suspended
or revoked for a one year period
◉ Which of the following endorsements can be attached to the
Business Auto policy to extend coverage to individuals such as the
owner of the business who does not carry personal auto insurance?
Answer: Drive Other Car endorsement
◉ Under the "Money Orders and Counterfeit Money" insuring
agreement of a standard Commercial Crime form, all would be
covered, EXCEPT: Answer: Taking a forged check from a customer in
exchange for merchandise..
◉ Which of the following statements is TRUE regarding nonwaiver
agreements and reservation of rights letters? Answer: The are used
only with first-party claimants to protect the rights of insureds and
insurers.
◉ All of the following are reasons that an adjuster should keep very
detailed log notes, EXCEPT: Answer: To produce notes that will
support a fraudulent denial of claims.
EVALUATION TEST 2026 FULL QUESTIONS AND
CORRECT ANSWERS ALREADY PASSED
GRADED A+
◉ Under the comprehensive coverage of a Business Auto policy,
which of the following would not be a covered loss? Answer: After
sliding on an icy pavement, a driver hits a guard rail.
◉ The Insurance Information & Privacy Protection Act (IIPPA)
requires insurers to conform to all of the following standards,
EXCEPT: Answer: Give reasonable notice for policy renewal and
other policy changes.
◉ The Section I Additional Coverage of the standard
Businessowners policy provides coverage for "Debris Removal".
Which of the following statements best describes the limit for this
coverage? Answer: The total limit may be up to 25% of the policy
limit for the loss payable with the deductible included, plus up to an
additional $25,000 if the policy limits are exhausted
◉ When would the Personal Auto policy respond to a loss with an
all-terrain three-wheeled vehicle? Answer: When used in an
emergency situation
,◉ Sarah is shopping at a grocery store and wants to purchase a
bottle of juice. The aisle is marked off with a rope awaiting the clerk
to clean up a previously broken bottle and spill on the floor. Sarah
moves the rope to get the item and slips and falls on the floor, cutting
her face on the scattered glass. Which of the following would be the
defense that the insurance company would most likely use in this
situation? Answer: Assumption of risk and contributory negligence
on the part of the customer
◉ All of the following are excluded under the 1943 Standard Fire
policy, EXCEPT: Answer: The theft of property after it had been
removed from the insured premises to protect it from further loss..
◉ Which of the following statements is NOT TRUE regarding the
"period of restoration" for Business Income and Extra Expense
coverage? Answer: The period of restoration ends when the policy
period ends
◉ Fidelity bonds are used to cover: Answer: Employee dishonesty
◉ Violating a cease and desist order issued by the North Carolina
Commissioner after finding a violation of the Unfair Practices will
result in a a monetary fine of: Answer: A sum of not less than $1,000
nor more than $5,000 for each violation
, ◉ A licensee, for the second time, does not maintain records of
insurance transactions as prescribed by the North Carolina
Commissioner. He/she will: Answer: Have their license suspended
or revoked for a one year period
◉ Which of the following endorsements can be attached to the
Business Auto policy to extend coverage to individuals such as the
owner of the business who does not carry personal auto insurance?
Answer: Drive Other Car endorsement
◉ Under the "Money Orders and Counterfeit Money" insuring
agreement of a standard Commercial Crime form, all would be
covered, EXCEPT: Answer: Taking a forged check from a customer in
exchange for merchandise..
◉ Which of the following statements is TRUE regarding nonwaiver
agreements and reservation of rights letters? Answer: The are used
only with first-party claimants to protect the rights of insureds and
insurers.
◉ All of the following are reasons that an adjuster should keep very
detailed log notes, EXCEPT: Answer: To produce notes that will
support a fraudulent denial of claims.
