1|Page
North Carolina Pearson Vue All Lines Adjuster Final
Verified Exam Questions And Answers Practice
Questions with Solutions Newest 2026|2027 | Already
Graded A+||Newest Exam!!!
The Business Auto uses Symbol 7 to cover "specifically
described autos" identified in the declarations. An auto
acquired during the policy period will only be covered: -
Answer-If the insured insures all of their vehicles with the
company or it replaces a covered auto..
What coverage under the BOP automatically applies if a
customer slips and falls on the named insured's premises,
regardless of legal liability? - Answer-Medical expense
coverage
When an insurer is called upon to defend a suit under a
CGL policy, the amount that can be paid for the defense
costs is: - Answer-Not limited
Any North Carolina lender in making or servicing real
estate mortgage or deed of trust loans on one to four
family residences must accept a binder as proof of
insurance. The binder presented to the lender must
,2|Page
include all of the following, EXCEPT - Answer-A sworn
statement that the insurance will be kept in force.
Which of the following statements is TRUE concerning
Part A - Liability coverage on a standard Personal
Automobile policy? - Answer-The coverage is provided
only for accidents caused by those who are "insureds"
under the policy..
Which of the following is NOT a reason to purchase a
Dwelling policy instead of a Homeowners policy? -
Answer-The Dwelling policy provides higher limits of
liability than the Homeowners policy..
Which of the following is NOT excluded by Section II -
Liability of the Business Automobile policy? - Answer-Cost
to defend the insured
The insured and her 18-year-old son, who lives in the
insured's household, are crossing the street when both of
them are struck by a drunk driver. The Part B - Medical
Payments coverage of the insured's personal auto policy
will: - Answer-Provide coverage for both the insured and
her son
,3|Page
All of the following are types of rehabilitative services
provided under a workers' compensation policy, EXCEPT:
- Answer-Substance abuse
Which of the following statements defines a "bailee"? -
Answer-Someone, other than the insured, to whom the
insured property is entrusted temporarily.
In North Carolina, the motor vehicle liability policy law
requires owners of motor vehicles to carry limits of: -
Answer-$30/60/25
Many states amend property insurance coverage additions
and extensions by statute due to insufficient coverage
amounts or time limits. All of the following are property
insurance additions or extensions that are frequently
amended by state statute, EXCEPT: - Answer-Other
Structures
Manny is purchasing a Commercial Property policy with a
Business Income form included. Manny can select from
any of the following as a method to provide coverage,
while avoiding the coinsurance requirement, EXCEPT: -
, 4|Page
Answer-The maximum monthly limit of indemnity optional
coverage
The traditional definition of actual cash value (ACV) is: -
Answer-Replacement cost minus depreciation
Sam and Dan are working to clean out the gutters around
the roof on Sam's house. Sam and Dan are standing at
the top of separate ladders that are propped against the
side of Sam's house, when Dan's ladder begins to wobble
and ultimately falls into Sam's ladder. Both men and their
ladders crash to the ground. Whose injuries will be
covered by Sam's Homeowners policy under Coverage E -
Personal Liability? - Answer-Only Dan's injuries would be
covered
Torts that can be covered by insurance policies include all
of the following, EXCEPT: - Answer-Intentional torts
purposely committed to cause harm to another.
The insured has a $1,000,000 personal umbrella policy
with a $5,000 retention limit. For a $7,000 liability loss not
covered under the insured's personal auto policy, but
North Carolina Pearson Vue All Lines Adjuster Final
Verified Exam Questions And Answers Practice
Questions with Solutions Newest 2026|2027 | Already
Graded A+||Newest Exam!!!
The Business Auto uses Symbol 7 to cover "specifically
described autos" identified in the declarations. An auto
acquired during the policy period will only be covered: -
Answer-If the insured insures all of their vehicles with the
company or it replaces a covered auto..
What coverage under the BOP automatically applies if a
customer slips and falls on the named insured's premises,
regardless of legal liability? - Answer-Medical expense
coverage
When an insurer is called upon to defend a suit under a
CGL policy, the amount that can be paid for the defense
costs is: - Answer-Not limited
Any North Carolina lender in making or servicing real
estate mortgage or deed of trust loans on one to four
family residences must accept a binder as proof of
insurance. The binder presented to the lender must
,2|Page
include all of the following, EXCEPT - Answer-A sworn
statement that the insurance will be kept in force.
Which of the following statements is TRUE concerning
Part A - Liability coverage on a standard Personal
Automobile policy? - Answer-The coverage is provided
only for accidents caused by those who are "insureds"
under the policy..
Which of the following is NOT a reason to purchase a
Dwelling policy instead of a Homeowners policy? -
Answer-The Dwelling policy provides higher limits of
liability than the Homeowners policy..
Which of the following is NOT excluded by Section II -
Liability of the Business Automobile policy? - Answer-Cost
to defend the insured
The insured and her 18-year-old son, who lives in the
insured's household, are crossing the street when both of
them are struck by a drunk driver. The Part B - Medical
Payments coverage of the insured's personal auto policy
will: - Answer-Provide coverage for both the insured and
her son
,3|Page
All of the following are types of rehabilitative services
provided under a workers' compensation policy, EXCEPT:
- Answer-Substance abuse
Which of the following statements defines a "bailee"? -
Answer-Someone, other than the insured, to whom the
insured property is entrusted temporarily.
In North Carolina, the motor vehicle liability policy law
requires owners of motor vehicles to carry limits of: -
Answer-$30/60/25
Many states amend property insurance coverage additions
and extensions by statute due to insufficient coverage
amounts or time limits. All of the following are property
insurance additions or extensions that are frequently
amended by state statute, EXCEPT: - Answer-Other
Structures
Manny is purchasing a Commercial Property policy with a
Business Income form included. Manny can select from
any of the following as a method to provide coverage,
while avoiding the coinsurance requirement, EXCEPT: -
, 4|Page
Answer-The maximum monthly limit of indemnity optional
coverage
The traditional definition of actual cash value (ACV) is: -
Answer-Replacement cost minus depreciation
Sam and Dan are working to clean out the gutters around
the roof on Sam's house. Sam and Dan are standing at
the top of separate ladders that are propped against the
side of Sam's house, when Dan's ladder begins to wobble
and ultimately falls into Sam's ladder. Both men and their
ladders crash to the ground. Whose injuries will be
covered by Sam's Homeowners policy under Coverage E -
Personal Liability? - Answer-Only Dan's injuries would be
covered
Torts that can be covered by insurance policies include all
of the following, EXCEPT: - Answer-Intentional torts
purposely committed to cause harm to another.
The insured has a $1,000,000 personal umbrella policy
with a $5,000 retention limit. For a $7,000 liability loss not
covered under the insured's personal auto policy, but
