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Nc Adjuster License Practice Exam Questions And Correct Verified Answers

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Nc Adjuster License Practice Exam Questions And Correct Verified Answers

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2026/2027

Institution Claims Adjuster

Course Claims Adjuster

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Nc Adjuster License Practice Exam Questions And Correct Verified Answers

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NC ADJUSTER LICENSE PRACTICE EXAM
QUESTIONS AND CORRECT VERIFIED
ANSWERS
MannyA2isA2purchasingA2aA2CommercialA2PropertyA2policyA2withA2aA2BusinessA2IncomeA2f
ormA2included.A2MannyA2canA2selectA2fromA2anyA2ofA2theA2followingA2asA2aA2methodA2toA2
provideA2coverage,A2whileA2avoidingA2theA2coinsuranceA2requirement,A2EXCEPT:A2-
A2Ans--TheA2maximumA2monthlyA2limitA2ofA2indemnityA2optionalA2coverage

TheA2traditionalA2definitionA2ofA2actualA2cashA2valueA2(ACV)A2is:A2-A2Ans--
ReplacementA2costA2minusA2depreciation

SamA2andA2DanA2areA2workingA2toA2cleanA2outA2theA2guttersA2aroundA2theA2roofA2onA2Sam
'sA2house.A2SamA2andA2DanA2areA2standingA2atA2theA2topA2ofA2separateA2laddersA2thatA2ar
eA2proppedA2againstA2theA2sideA2ofA2Sam'sA2house,A2whenA2Dan'sA2ladderA2beginsA2toA2w
obbleA2andA2ultimatelyA2fallsA2intoA2Sam'sA2ladder.A2BothA2menA2andA2theirA2laddersA2cras
hA2toA2theA2ground.A2WhoseA2injuriesA2willA2beA2coveredA2byA2Sam'sA2HomeownersA2polic
yA2underA2CoverageA2EA2-A2PersonalA2Liability?A2-A2Ans--
OnlyA2Dan'sA2injuriesA2wouldA2beA2covered

TortsA2thatA2canA2beA2coveredA2byA2insuranceA2policiesA2includeA2allA2ofA2theA2following,A2
EXCEPT:A2-A2Ans--
IntentionalA2tortsA2purposelyA2committedA2toA2causeA2harmA2toA2another.

TheA2insuredA2hasA2aA2$1,000,000A2personalA2umbrellaA2policyA2withA2aA2$5,000A2retentio
nA2limit.A2ForA2aA2$7,000A2liabilityA2lossA2notA2coveredA2underA2theA2insured'sA2personalA2
autoA2policy,A2butA2coveredA2underA2theA2umbrellaA2policy,A2theA2insuranceA2companyA2w
ouldA2pay:A2-A2Ans--$2,000

AllA2ofA2theA2followingA2isA2consideredA2anA2"insured"A2underA2aA2CGLA2policy,A2EXCEPT:
A2-A2Ans--LawyersA2ofA2theA2namedA2insured

WhatA2specificA2typeA2ofA2liabilityA2policyA2givesA2anA2ownerA2protectionA2againstA2liabilityA
2claimsA2arisingA2outA2ofA2theA2actsA2ofA2itsA2independentA2contractors?A2-A2Ans--
OwnersA2andA2ContractorsA2ProtectiveA2LiabilityA2Policy.

WhichA2ofA2theA2followingA2wouldA2beA2eligibleA2forA2coverageA2underA2aA2Businessowner
sA2policy?A2-A2Ans--AA2smallA2retailA2store

WhichA2ofA2theA2followingA2isA2NOTA2aA2correctA2statementA2inA2determiningA2theA2costA2o
fA2aA2"comparableA2automobile"A2whenA2aA2physicalA2damageA2lossA2hasA2aA2occurred?
A2-A2Ans--
TheA2costA2ofA2aA2comparableA2automobileA2asA2determinedA2byA2aA2computerizedA2auto

, mobileA2valuationA2serviceA2thatA2producesA2statisticallyA2validA2fairA2marketA2valuesA2wit
hinA2theA2UnitedA2StatesA2market

AllA2ofA2theA2followingA2statementsA2areA2TRUEA2ofA2NorthA2CarolinaA2automobileA2liabilit
yA2policies,A2EXCEPTA2-A2Ans--
IfA2theA2insuredA2carriesA2limitsA2greaterA2thanA2theA2minimumA2financialA2responsibilityA2li
mitsA2requiredA2byA2stateA2law,A2theyA2areA2notA2requiredA2toA2carryA2Uninsured/
UnderinsuredA2MotoristsA2coverage.

TheA2basicA2limitA2forA2CoverageA2FA2--
A2MedicalA2PaymentsA2ofA2theA2standardA2HomeownersA2formsA2is:A2-A2Ans--
$1,000A2perA2person

OliverA2DogwoodA2wasA2inA2anA2autoA2accidentA2whichA2destroyedA2hisA2car.A2WhileA2inve
stigatingA2theA2accident,A2AdjusterA2DorightA2foundA2thatA2Mr.A2DogwoodA2paidA2$1,000A2f
orA2theA2vehicle.A2AfterA2checkingA2withA2othersA2heA2foundA2theA2sameA2vehicleA2withA2a
nA2askingA2priceA2ofA2$1,700,A2aA2retailA2priceA2ofA2$2,150A2andA2aA2dealerA2priceA2ofA2$1,
750.A2WhatA2amountA2willA2Mr.A2DogwoodA2receive?A2-A2Ans--$2,150

WhenA2aA2claimsA2representativeA2isA2collectingA2informationA2fromA2aA2third-
partyA2claimant,A2whichA2ofA2theA2followingA2isA2theA2informationA2thatA2shouldA2beA2obtain
edA2first?A2-A2Ans--
TheA2natureA2andA2extentA2ofA2theA2injuriesA2orA2propertyA2damageA2claimed.

TheA2BusinessA2AutoA2usesA2SymbolA27A2toA2coverA2"specificallyA2describedA2autos"A2ide
ntifiedA2inA2theA2declarations.A2AnA2autoA2acquiredA2duringA2theA2policyA2periodA2willA2only
A2beA2covered:A2-A2Ans--
IfA2theA2insuredA2insuresA2allA2ofA2theirA2vehiclesA2withA2theA2companyA2orA2itA2replacesA2a
A2coveredA2auto..

WhatA2coverageA2underA2theA2BOPA2automaticallyA2appliesA2ifA2aA2customerA2slipsA2andA2
fallsA2onA2theA2namedA2insured'sA2premises,A2regardlessA2ofA2legalA2liability?A2-A2Ans--
MedicalA2expenseA2coverage

WhenA2anA2insurerA2isA2calledA2uponA2toA2defendA2aA2suitA2underA2aA2CGLA2policy,A2theA2a
mountA2thatA2canA2beA2paidA2forA2theA2defenseA2costsA2is:A2-A2Ans--NotA2limited

AnyA2NorthA2CarolinaA2lenderA2inA2makingA2orA2servicingA2realA2estateA2mortgageA2orA2de
edA2ofA2trustA2loansA2onA2oneA2toA2fourA2familyA2residencesA2mustA2acceptA2aA2binderA2asA
2proofA2ofA2insurance.A2TheA2binderA2presentedA2toA2theA2lenderA2mustA2includeA2allA2ofA2t
heA2following,A2EXCEPTA2-A2Ans--
AA2swornA2statementA2thatA2theA2insuranceA2willA2beA2keptA2inA2force.

WhichA2ofA2theA2followingA2statementsA2isA2TRUEA2concerningA2PartA2AA2-
A2LiabilityA2coverageA2onA2aA2standardA2PersonalA2AutomobileA2policy?A2-A2Ans--

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Number of pages: 15
Written in: 2026/2027
Type: Exam (elaborations)
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