NEW 2025/2026 NC ADJUSTER LICENSE EXAM
WITH COMPLETE QUESTIONS AND DETAILED
CORRECT VERIFIED ANSWERS (EXPERTLY
Page | 1
VERIFIED) GUARANTEED PASS|ALREADY TOP
RATED A+
NC ADJUSTER LICENSE
Prepare confidently for the North Carolina Adjuster License Exam
2025/2026 with this comprehensive. The questions Covers key
insurance concepts, claims handling, state regulations, and ethical
practices. Perfect for aspiring insurance adjusters aiming to pass the
licensing exam.
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: .......
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
Page | 2 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 covered under
the umbrella policy, the insurance company would pay:
....... ANSWER ....... $2,000
All of the following is considered an "insured" under a CGL
policy, EXCEPT: ....... ANSWER ....... Lawyers of the
named insured
What specific type of liability policy gives an owner
protection against liability claims arising out of the acts of its
, independent contractors? ....... ANSWER .......
Owners and Contractors Protective Liability Policy.
Page | 3
Which of the following would be eligible for coverage under
a Businessowners policy? ....... ANSWER ....... A small
retail store
Which of the following is NOT a correct statement in
determining the cost of a "comparable automobile" when a
physical damage loss has a occurred? ....... ANSWER
....... The cost of a comparable automobile as determined
by a computerized automobile valuation service that
produces statistically valid fair market values within the
United States market
All of the following statements are TRUE of North Carolina
automobile liability policies, EXCEPT ....... ANSWER
....... If the insured carries limits greater than the
minimum financial responsibility limits required by state
law, they are not required to carry
Uninsured/Underinsured Motorists coverage.
The basic limit for Coverage F -- Medical Payments of the
standard Homeowners forms is: ....... ANSWER .......
$1,000 per person
, Oliver Dogwood was in an auto accident which destroyed his
car. While investigating the accident, Adjuster Doright found
Page | 4
that Mr. Dogwood paid $1,000 for the vehicle. After
checking with others he found the same vehicle with an
asking price of $1,700, a retail price of $2,150 and a dealer
price of $1,750. What amount will Mr. Dogwood receive?
....... ANSWER ....... $2,150
When a claims representative is collecting information from
a third-party claimant, which of the following is the
information that should be obtained first? .......
ANSWER ....... The nature and extent of the injuries or
property damage claimed.
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
WITH COMPLETE QUESTIONS AND DETAILED
CORRECT VERIFIED ANSWERS (EXPERTLY
Page | 1
VERIFIED) GUARANTEED PASS|ALREADY TOP
RATED A+
NC ADJUSTER LICENSE
Prepare confidently for the North Carolina Adjuster License Exam
2025/2026 with this comprehensive. The questions Covers key
insurance concepts, claims handling, state regulations, and ethical
practices. Perfect for aspiring insurance adjusters aiming to pass the
licensing exam.
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: .......
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
Page | 2 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 covered under
the umbrella policy, the insurance company would pay:
....... ANSWER ....... $2,000
All of the following is considered an "insured" under a CGL
policy, EXCEPT: ....... ANSWER ....... Lawyers of the
named insured
What specific type of liability policy gives an owner
protection against liability claims arising out of the acts of its
, independent contractors? ....... ANSWER .......
Owners and Contractors Protective Liability Policy.
Page | 3
Which of the following would be eligible for coverage under
a Businessowners policy? ....... ANSWER ....... A small
retail store
Which of the following is NOT a correct statement in
determining the cost of a "comparable automobile" when a
physical damage loss has a occurred? ....... ANSWER
....... The cost of a comparable automobile as determined
by a computerized automobile valuation service that
produces statistically valid fair market values within the
United States market
All of the following statements are TRUE of North Carolina
automobile liability policies, EXCEPT ....... ANSWER
....... If the insured carries limits greater than the
minimum financial responsibility limits required by state
law, they are not required to carry
Uninsured/Underinsured Motorists coverage.
The basic limit for Coverage F -- Medical Payments of the
standard Homeowners forms is: ....... ANSWER .......
$1,000 per person
, Oliver Dogwood was in an auto accident which destroyed his
car. While investigating the accident, Adjuster Doright found
Page | 4
that Mr. Dogwood paid $1,000 for the vehicle. After
checking with others he found the same vehicle with an
asking price of $1,700, a retail price of $2,150 and a dealer
price of $1,750. What amount will Mr. Dogwood receive?
....... ANSWER ....... $2,150
When a claims representative is collecting information from
a third-party claimant, which of the following is the
information that should be obtained first? .......
ANSWER ....... The nature and extent of the injuries or
property damage claimed.
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
