NEW NC ADJUSTER LICENSE ACTUAL EXAM
QUESTIONS AND ANSWERS 2025/2026 LATEST
UPDATE!!!
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
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
Page 1 of 26
,How are household personal property claims settled under the farm policy? --
ANSWER--Actual cash value
Which policy would be best for a prospective insured who wants coverage
against liability assumed by him under specific written agreements? --
ANSWER--Contractual Liability provided under a CGL policy
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
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
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, 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 include all of the following,
EXCEPT -- ANSWER--A sworn statement that the insurance will be kept in
force.
North Carolina law prohibits any Fire insurance policy covering property within
the state of North Carolina to be issued for a term: -- ANSWER--Longer than
seven years
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.
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QUESTIONS AND ANSWERS 2025/2026 LATEST
UPDATE!!!
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
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
Page 1 of 26
,How are household personal property claims settled under the farm policy? --
ANSWER--Actual cash value
Which policy would be best for a prospective insured who wants coverage
against liability assumed by him under specific written agreements? --
ANSWER--Contractual Liability provided under a CGL policy
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
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
Page 2 of 26
, 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 include all of the following,
EXCEPT -- ANSWER--A sworn statement that the insurance will be kept in
force.
North Carolina law prohibits any Fire insurance policy covering property within
the state of North Carolina to be issued for a term: -- ANSWER--Longer than
seven years
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 of 26
