NC Claims Adjuster Exam Study Questions and Answers Updated 2026

NC Claims Adjuster
Exam Study Questions
and Answers Updated
2026
LiabilityBInsuranceBPAPB(PartBA)B-
BAnswerPaysBallBtheBsumsBandBinsuredBmustBlegallyBpayBasBdamageBdueBtoBBI/PDBcau
sedBbyBanBaccidentBandBresultingBfromBtheBownership,BmaintenanceBorBuseBofBaBcove
redBauto.



CoverageBPartBABthroughBFBofBaBPAPB-BAnswerA.BLiability

B.BMedicalBPayments

C.BUM/UIM

D.BPhysicalBDamage

E.BInsuredBDuties

F.BGeneralBProvisions



CertificateBofBInsuranceB(COI)B-
BAnswerABdocumentBthatBprovesBtheBexistenceBofBinsuranceBcoverage



OccurrenceB-
BAnswerSomethingBthatBcontinueBtoBhappenBandBmayBcauseBinjuryBlaterBon.



AccidentB-BAnswerABsuddenBunforseenBandBunintendedBoneBtimeBevent



AssumptionBofBriskB-
BAnswerAnBindividualBwhoBisBawareBofBtheBpotentialBriskBinvolvedBandBchoseBtoBexpo
seBthemselvesBtoBit.

,ComparativeBnegligenceB-
BAnswerMeasuresBtheBamountBofBnegligenceBcontributedBtoBeachBparty.BTheBinjuredBp
artyBwillBnotBcoverBdamagesBequalBtoBtheBpercentageBofBnegligenceBtheyBcontribute.



ContributoryBNegligenceB-
BAnswerIfBanBinsuredBpartyBcontributedBtoBtheirBinjuryBinBanywayBdueBtoBtheirBownBn
egligence,BweBwillBnotBpayBanything.



WhatBstateBisBaBcontributoryBstate?B-BAnswerNorthBCarolina



NegligenceB-
BAnswerFailureBtoBdoB(orBnotBdo)BwhatBaBreasonableBprudentBpersonBwouldBorBwould
BnotBhaveBdoneBinBaBsimilarBinstance.



TemporaryBSubstituteBAutomobileB-
BAnswerNotBownedBbyBtheBnamedBinsuredBbutBusedBtemporarilyBasBaBsubstituteBforBt
heBownedBautoBthatBisBnotBcurrentlyBbeingBused.



WhatBisBanBexampleBofBaBTemporaryBsubstituteBAutomobile?B-
BAnswerABdealershipBloansBanBinsuredBaBvehicleBtoBdriveBwhileBtheirBcarBisBgettingBfix
ed.



NonBOwnedBAutomobileB-BAnswerNotBownedBbyBtheBnamedBinsuredBorBanyBrelative.



WhatBisBanBexampleBofBanBNonBOwnedBAutomobile?B-
BAnswerAnBinsuredBborrowsBaBneighborsBcar.



IfBanBadditionalBvehicleBisBnotBreportedBtoBtheBinsurerBwithinB30Bdays:B-
BAnswerNoBcoverageBwillBapplyBtoBtheBaddedBvehicle.

,IfBaBvehicleBisBaddedBtoBanBexistingBpolicyB(InBadditionBto):B-
BAnswerItBwillBhaveBtheBbroadestBcoverageBifBinsuredBwithinB30BdaysBofBbecomingBth
eBowner.



IfBaBreplacementBvehicleBisBnotBreportedBwithinB30Bdays:B-
BAnswerPartBDB(ComprehensiveBandBCollisionBCoverage)BwillBnotBapplyBtoBtheBreplace
mentBvehicle.



ABnewBvehicleBthatBreplacesBanotherBvehicleBwill:B-
BAnswerHaveBtheBsameBcoveragesBasBtheBoldBvehicleBifBtheBnamedBinsuredBrequestBt
oBinsureBitBwithinB30BdaysBofBbecomingBtheBowners.



InsuredB-
BAnswerAnyBbloodBrelativeBbyBmarriage,Badoption,Bwards,BfosterBchildren,BlivingBinBthe
BsameBhome,BincludingBchildrenBawayBatBcollege.BAlso,BanyBpersonBusingBsomeonesBc
arBwithBtheirBpermission.



NamedBinsuredB-
BAnswerListedBonBtheBdeclarationsBpage.BIncludedBaBspouseBwetherBtheyBareBnamedBi
nBtheBpolicyBorBnot,BprovidedBtheyBliveBinBtheBsameBhome.



1stBCoverageBforBwatercraftBorByachtBare:B-
BAnswerHullBinsuranceBforBdamageBtoBtheBinsuredBboatBitself



2ndBCoverageBforBwatercraftBorByachtBare:B-
BAnswerProtectionBandBindemnityBliabilityBcoverageBforBBIBandBPDBexposuresBforBdam
ageBtoBotherBpeopleBorBotherBpeoplesBboats.



WhatBdoesn'tBwatercraftBorByachtBcoverageBprovide?B-
BAnswerCoverageBforBboatsBusedBforBhire,Bcharger,BorBforBtransportingBpeopleBforBaBf
ee.

, HowBmanyBdaysBremovalBcoverageBisBprovidedBonBtheBNationalBFloodBInsuranceBProgr
am?B-BAnswer45Bdays



ElevationBcertificatesB-
BAnswerRequiredBonBdwellingsBthatBareBwrittenBinBtheBregularBprogramBinBcertainBfloo
dBzonesBinBorderBtoBproperlyBrateBtheBpolicy.



FloodBinsuranceBpoliciesBbecomeBeffectiveBafter:B-
BAnswer30BdaysBafterBreceiptBofBtheBcoverageBapplicationBandBtheBpremiumBpayment.



TheBgeneralBpropertyBformBonBfloodBinsuranceBisBusedBto:B-
BAnswerInsureBlargerBresidentialBstructuresBandBnonBresidentialBbuildings.



TheBdwellingsBformBonBaBfloodBinsuranceBplanBis:B-
BAnswerUsedBtoBensureBresidentialBpropertyBofBnoBmoreBthanB4BunitsBandBtheBconte
nts



FloodBinsuranceBisBavailableBinB2Bforms,BwhatBareBthey?B-BAnswer1.BDwelling

2.BGeneralBproperty



TheBdeductibleBforBanBemergencyBplanBapplies:B-
BAnswerSeparatelyBtoBtheBbuildingBlossBandBcontentsBifBpurchasedBonBaBperBoccurrenc
eBbasis.



HowBmuchBisBtheBdeductibleBonBanBemergencyBplan?B-BAnswer$1,000BDeductibe



TheBcommunityBbecomesBeligibleBforBaBregularBplan:B-
BAnswerWhenBaBcommunityBcompliedBwithBfloodBcontrolBrequirementsBandBtheBextent
BofBtheBfloodBplanBhasBbeenBmapped.



WhatBareBtheB1stBdefinitionBincludedBinBaBflood?B-
BAnswerOverflowBofBinlandBorBtidalBwater