NEW HAMPSHIRE ADJUSTER EXAM 2025/2026
WITH 100% ACCURATE ANSWERS
1. If a business owner has the Drive Other Car endorsement and allows an
employee to drive a rental vehicle for business purposes, what coverage
would be applicable?
Coverage would only apply if the employee is driving their own
vehicle.
No coverage would be applicable since the vehicle is rented.
Liability and medical payments coverage for the employee
while driving the rental vehicle.
Only physical damage coverage would apply.
2. What does the Legal Action Against the Insurer provision in a liability
policy typically state?
The insurer must comply with all policy obligations prior to filing
a lawsuit.
No one can sue the insured until the insurer's obligation is
determined.
The insured is only responsible for damages below the policy
limit.
No one can join the insurer in a lawsuit against the insured.
3. If Kacy's insurer, NED Insurance, denies Alicia's claim based on
insufficient evidence, what might be a potential next step for Alicia?
Alicia can only seek compensation through a lawsuit against
Kacy.
,Alicia must accept the denial without further action.
Alicia could appeal the denial of her claim or provide
, additional evidence to support her case.
Alicia should file a new claim with a different insurer.
4. What is the maximum number of data-entry employees an independent
adjuster can employ under his license?
15
25
10
40
5. If a person attempts to insure a property they do not own, what
principle of insurance is being violated?
Policy endorsement
Risk assessment
Insurable interest
Premium calculation
6. What is the term used for a requirement that must be met for an
insurance policy to be valid?
Representation
Endorsement
Binder
Warranty
7. If an individual has an insurance policy with specific exclusions for
natural disasters, how might this affect their claim after a hurricane?
The claim may be denied due to the exclusion for natural
disasters.
, The claim will be accepted but will require a higher deductible.
The claim will be fully covered regardless of the exclusions.
The claim will be partially covered based on the damages
incurred.
8. Which endorsement provides coverage specifically for home day care
liability?
Business Pursuits
Limited Fungi, Wet or Dry Rot, or Bacteria Coverage
Home Day Care
Scheduled Personal Property
9. Describe how Coverage C applies to personal property in the context
of a Homeowners 3 policy.
Coverage C does not include any personal belongings.
Coverage C provides protection for personal property against
certain risks, including damage from fire and other perils.
Coverage C is limited to liability claims made against the
homeowner.
Coverage C only covers structural damage to the home.
10. An economic device used to protect against the risk of realizing
unforeseen and extraordinary financial loss is called:
indemnification
subrogation
risk avoidance
insurance
WITH 100% ACCURATE ANSWERS
1. If a business owner has the Drive Other Car endorsement and allows an
employee to drive a rental vehicle for business purposes, what coverage
would be applicable?
Coverage would only apply if the employee is driving their own
vehicle.
No coverage would be applicable since the vehicle is rented.
Liability and medical payments coverage for the employee
while driving the rental vehicle.
Only physical damage coverage would apply.
2. What does the Legal Action Against the Insurer provision in a liability
policy typically state?
The insurer must comply with all policy obligations prior to filing
a lawsuit.
No one can sue the insured until the insurer's obligation is
determined.
The insured is only responsible for damages below the policy
limit.
No one can join the insurer in a lawsuit against the insured.
3. If Kacy's insurer, NED Insurance, denies Alicia's claim based on
insufficient evidence, what might be a potential next step for Alicia?
Alicia can only seek compensation through a lawsuit against
Kacy.
,Alicia must accept the denial without further action.
Alicia could appeal the denial of her claim or provide
, additional evidence to support her case.
Alicia should file a new claim with a different insurer.
4. What is the maximum number of data-entry employees an independent
adjuster can employ under his license?
15
25
10
40
5. If a person attempts to insure a property they do not own, what
principle of insurance is being violated?
Policy endorsement
Risk assessment
Insurable interest
Premium calculation
6. What is the term used for a requirement that must be met for an
insurance policy to be valid?
Representation
Endorsement
Binder
Warranty
7. If an individual has an insurance policy with specific exclusions for
natural disasters, how might this affect their claim after a hurricane?
The claim may be denied due to the exclusion for natural
disasters.
, The claim will be accepted but will require a higher deductible.
The claim will be fully covered regardless of the exclusions.
The claim will be partially covered based on the damages
incurred.
8. Which endorsement provides coverage specifically for home day care
liability?
Business Pursuits
Limited Fungi, Wet or Dry Rot, or Bacteria Coverage
Home Day Care
Scheduled Personal Property
9. Describe how Coverage C applies to personal property in the context
of a Homeowners 3 policy.
Coverage C does not include any personal belongings.
Coverage C provides protection for personal property against
certain risks, including damage from fire and other perils.
Coverage C is limited to liability claims made against the
homeowner.
Coverage C only covers structural damage to the home.
10. An economic device used to protect against the risk of realizing
unforeseen and extraordinary financial loss is called:
indemnification
subrogation
risk avoidance
insurance
