Nc Claims Adjuster Exam Study Questions
& Answers 2025 Latest Version
Liability insurance pap (part a) - ans ✔ - pays all the sums and insured must legally pay as damage
due to bi/pd caused by an accident and resulting from the ownership, maintenance or use of a
covered auto.
Coverage part a through f of a pap - ans ✔ - a. Liability
B. Medical payments
C. Um/uim
D. Physical damage
E. Insured duties
F. General provisions
Certificate of insurance (coi) - ans ✔ - a document that proves the existence of insurance coverage
Occurrence - ans ✔ - something that continue to happen and may cause injury later on.
Accident - ans ✔ - a sudden unforeseen and unintended onetime event
Assumption of risk - ans ✔ - an individual who is aware of the potential risk involved and chose to
expose themselves to it.
Comparative negligence - ans ✔ - measures the amount of negligence contributed to each party. The
injured party will not cover damages equal to the percentage of negligence they contribute.
Contributory negligence - ans ✔ - if an insured party contributed to their injury in anyway due to
their own negligence, we will not pay anything.
What state is a contributory state? - ans ✔ - north Carolina
,Negligence - ans ✔ - failure to do (or not do) what a reasonable prudent person would or would not
have done in a similar instance.
Temporary substitute automobile - ans ✔ - not owned by the named insured but used temporarily as
a substitute for the owned auto that is not currently being used.
What is an example of a temporary substitute automobile? - ans ✔ - a dealership loans an insured a
vehicle to drive while their car is getting fixed.
Non owned automobile - ans ✔ - not owned by the named insured or any relative.
What is an example of a non owned automobile? - ans ✔ - an insured borrows a neighbors car.
If an additional vehicle is not reported to the insurer within 30 days: - ans ✔ - no coverage will apply
to the added vehicle.
If a vehicle is added to an existing policy (in addition to): - ans ✔ - it will have the broadest coverage
if insured within 30 days of becoming the owner.
If a replacement vehicle is not reported within 30 days: - ans ✔ - part d (comprehensive and collision
coverage) will not apply to the replacement vehicle.
A new vehicle that replaces another vehicle will: - ans ✔ - have the same coverages as the old vehicle
if the named insured request to insure it within 30 days of becoming the owners.
Insured - ans ✔ - any blood relative by marriage, adoption, wards, foster children, living in the same
home, including children away at college. Also, any person using someone’s car with their permission.
Named insured - ans ✔ - listed on the declarations page. Included a spouse whether they are named
in the policy or not, provided they live in the same home.
1st coverage for watercraft or yacht are: - ans ✔ - hull insurance for damage to the insured boat itself
, 2nd coverage for watercraft or yacht are: - ans ✔ - protection and indemnity liability coverage for bi
and pd exposures for damage to other people or other people’s boats.
What doesn't watercraft or yacht coverage provide? - ans ✔ - coverage for boats used for hire,
charger, or for transporting people for a fee.
How many days removal coverage is provided on the national flood insurance program? - ans ✔ - 45
days
Elevation certificates - ans ✔ - required on dwellings that are written in the regular program in
certain flood zones in order to properly rate the policy.
Flood insurance policies become effective after: - ans ✔ - 30 days after receipt of the coverage
application and the premium payment.
The general property form on flood insurance is used to: - ans ✔ - insure larger residential structures
and non-residential buildings.
The dwellings form on a flood insurance plan is: - ans ✔ - used to ensure residential property of no
more than 4 units and the contents
Flood insurance is available in 2 forms, what are they? - ans ✔ - 1. Dwelling
2. General property
The deductible for an emergency plan applies: - ans ✔ - separately to the building loss and contents
if purchased on a per occurrence basis.
How much is the deductible on an emergency plan? - ans ✔ - $1,000 deductible
The community becomes eligible for a regular plan: - ans ✔ - when a community complied with flood
control requirements and the extent of the flood plan has been mapped.
& Answers 2025 Latest Version
Liability insurance pap (part a) - ans ✔ - pays all the sums and insured must legally pay as damage
due to bi/pd caused by an accident and resulting from the ownership, maintenance or use of a
covered auto.
Coverage part a through f of a pap - ans ✔ - a. Liability
B. Medical payments
C. Um/uim
D. Physical damage
E. Insured duties
F. General provisions
Certificate of insurance (coi) - ans ✔ - a document that proves the existence of insurance coverage
Occurrence - ans ✔ - something that continue to happen and may cause injury later on.
Accident - ans ✔ - a sudden unforeseen and unintended onetime event
Assumption of risk - ans ✔ - an individual who is aware of the potential risk involved and chose to
expose themselves to it.
Comparative negligence - ans ✔ - measures the amount of negligence contributed to each party. The
injured party will not cover damages equal to the percentage of negligence they contribute.
Contributory negligence - ans ✔ - if an insured party contributed to their injury in anyway due to
their own negligence, we will not pay anything.
What state is a contributory state? - ans ✔ - north Carolina
,Negligence - ans ✔ - failure to do (or not do) what a reasonable prudent person would or would not
have done in a similar instance.
Temporary substitute automobile - ans ✔ - not owned by the named insured but used temporarily as
a substitute for the owned auto that is not currently being used.
What is an example of a temporary substitute automobile? - ans ✔ - a dealership loans an insured a
vehicle to drive while their car is getting fixed.
Non owned automobile - ans ✔ - not owned by the named insured or any relative.
What is an example of a non owned automobile? - ans ✔ - an insured borrows a neighbors car.
If an additional vehicle is not reported to the insurer within 30 days: - ans ✔ - no coverage will apply
to the added vehicle.
If a vehicle is added to an existing policy (in addition to): - ans ✔ - it will have the broadest coverage
if insured within 30 days of becoming the owner.
If a replacement vehicle is not reported within 30 days: - ans ✔ - part d (comprehensive and collision
coverage) will not apply to the replacement vehicle.
A new vehicle that replaces another vehicle will: - ans ✔ - have the same coverages as the old vehicle
if the named insured request to insure it within 30 days of becoming the owners.
Insured - ans ✔ - any blood relative by marriage, adoption, wards, foster children, living in the same
home, including children away at college. Also, any person using someone’s car with their permission.
Named insured - ans ✔ - listed on the declarations page. Included a spouse whether they are named
in the policy or not, provided they live in the same home.
1st coverage for watercraft or yacht are: - ans ✔ - hull insurance for damage to the insured boat itself
, 2nd coverage for watercraft or yacht are: - ans ✔ - protection and indemnity liability coverage for bi
and pd exposures for damage to other people or other people’s boats.
What doesn't watercraft or yacht coverage provide? - ans ✔ - coverage for boats used for hire,
charger, or for transporting people for a fee.
How many days removal coverage is provided on the national flood insurance program? - ans ✔ - 45
days
Elevation certificates - ans ✔ - required on dwellings that are written in the regular program in
certain flood zones in order to properly rate the policy.
Flood insurance policies become effective after: - ans ✔ - 30 days after receipt of the coverage
application and the premium payment.
The general property form on flood insurance is used to: - ans ✔ - insure larger residential structures
and non-residential buildings.
The dwellings form on a flood insurance plan is: - ans ✔ - used to ensure residential property of no
more than 4 units and the contents
Flood insurance is available in 2 forms, what are they? - ans ✔ - 1. Dwelling
2. General property
The deductible for an emergency plan applies: - ans ✔ - separately to the building loss and contents
if purchased on a per occurrence basis.
How much is the deductible on an emergency plan? - ans ✔ - $1,000 deductible
The community becomes eligible for a regular plan: - ans ✔ - when a community complied with flood
control requirements and the extent of the flood plan has been mapped.
