NC ADJUSTER LICENSE ACTUAL TEST PAPER
2026 TESTED QUESTIONS WITH FULL
SOLUTION GRADED A+
◉ Occurrence Date. Answer: The date on which the loss occurred
◉ Identification of Parties involve. Answer: The loss report should
include the names and addresses of the parties involved in the loss,
the names and addresses of any injured person(s) and the names
and addresses of any witness(s)
◉ Policy form /Number. Answer: Identifies the type of coverage
purchased (policy form) and the policy number for the particular
policy purchased by the insured
◉ Description of the Loss. Answer: Information concerning how,
when and where the accident or loss happened is an essential
element in any loss report
◉ Coverage. Answer: Shows the type of coverage purchased as well
as the limits of coverage purchased.
,◉ Deductible (retention). Answer: That portion of any covered
property claim that must be paid by the insured.
◉ Tort/Tort Feasor. Answer: A tort is a legal injury or a civil wrong
to another that arises out of actions other than a breach of contract
which a court will provide a remedy through allowing the injured
party a monetary recover for damages.
◉ Elements of an Investigation. Answer: The insured and the claims
team need to work together to ensure they have secured all of the
available evidence (surveillance videos, witnesses and their
statements) as well as continue the ongoing investigation
Adjusters, investigators index reports and witnesses can all be key
pieces of the puzzle that may not be available, or there may not have
been enough information to involve at the onset
◉ Statute of Limitations. Answer: Each state has its own statute of
limitations laws. NC is three years
◉ Types of liability. Answer: Contributory, Vicarious, and Strict
◉ Contributory Liability. Answer: If a person was injured due to
their own negligence (contributed to the accident), the injured party
would not be entitled to collect any damages (money) from another
, party who supposedly caused the accident. (ex. person runs a red
light and car hits them)
◉ Vicarious Liability. Answer: Someone is held responsible for the
actions or omissions of another person while performing their
employment duties (ex. employee fails to mop up a spill and a
customer falls)
◉ Strict Liability. Answer: Liability incurred for causing damage to
life, limb, or property by a hazardous activity or a defective product.
( toy company sells doll that injured a child are responsible even
though they did not manufacture the doll)
◉ Damages. Answer: Special, General, and Punitive
◉ Special (compensatory). Answer: Damages are amounts paid to
compensate the plaintiff for direct expenses such as: medical
treatment, loss wages, and funeral expenses (Can be measured)
◉ General (compensatory). Answer: Damages are paid for losses
that CANNOT be specifically measured and itemized in order to
compensate the plaintiff such as: pain and suffering, loss of arm or
leg, vision, and physical disfigurement.
2026 TESTED QUESTIONS WITH FULL
SOLUTION GRADED A+
◉ Occurrence Date. Answer: The date on which the loss occurred
◉ Identification of Parties involve. Answer: The loss report should
include the names and addresses of the parties involved in the loss,
the names and addresses of any injured person(s) and the names
and addresses of any witness(s)
◉ Policy form /Number. Answer: Identifies the type of coverage
purchased (policy form) and the policy number for the particular
policy purchased by the insured
◉ Description of the Loss. Answer: Information concerning how,
when and where the accident or loss happened is an essential
element in any loss report
◉ Coverage. Answer: Shows the type of coverage purchased as well
as the limits of coverage purchased.
,◉ Deductible (retention). Answer: That portion of any covered
property claim that must be paid by the insured.
◉ Tort/Tort Feasor. Answer: A tort is a legal injury or a civil wrong
to another that arises out of actions other than a breach of contract
which a court will provide a remedy through allowing the injured
party a monetary recover for damages.
◉ Elements of an Investigation. Answer: The insured and the claims
team need to work together to ensure they have secured all of the
available evidence (surveillance videos, witnesses and their
statements) as well as continue the ongoing investigation
Adjusters, investigators index reports and witnesses can all be key
pieces of the puzzle that may not be available, or there may not have
been enough information to involve at the onset
◉ Statute of Limitations. Answer: Each state has its own statute of
limitations laws. NC is three years
◉ Types of liability. Answer: Contributory, Vicarious, and Strict
◉ Contributory Liability. Answer: If a person was injured due to
their own negligence (contributed to the accident), the injured party
would not be entitled to collect any damages (money) from another
, party who supposedly caused the accident. (ex. person runs a red
light and car hits them)
◉ Vicarious Liability. Answer: Someone is held responsible for the
actions or omissions of another person while performing their
employment duties (ex. employee fails to mop up a spill and a
customer falls)
◉ Strict Liability. Answer: Liability incurred for causing damage to
life, limb, or property by a hazardous activity or a defective product.
( toy company sells doll that injured a child are responsible even
though they did not manufacture the doll)
◉ Damages. Answer: Special, General, and Punitive
◉ Special (compensatory). Answer: Damages are amounts paid to
compensate the plaintiff for direct expenses such as: medical
treatment, loss wages, and funeral expenses (Can be measured)
◉ General (compensatory). Answer: Damages are paid for losses
that CANNOT be specifically measured and itemized in order to
compensate the plaintiff such as: pain and suffering, loss of arm or
leg, vision, and physical disfigurement.
