NC ADJUSTER LICENSE PRACTICE EXAM
WITH CORRECT ACTUAL QUESTIONS AND
CORRECTLY WELL DEFINED ANSWERS
LATEST ALREADY GRADED A+ 2025 - 2026
How are death benefits calculated for an employee who has died as
a result of a work related incident? - ANSWERS-66 2/3% of the
employee's average weekly wage for 500 weeks
Sharon's North Carolina home is covered under a Homeowner's
policy with a "Refrigerated Property Coverage" endorsement
attached. She stores large amounts of expensive meats in her
freezer at any given time. One morning, she doesn't hear the low
hum of her freezer motor. When she opens her freezer door, she
finds that the freezer is no longer cold and all of her meat has
spoiled. Sharon collects her receipts and finds that the price of the
spoiled meat totals $658 and she submits a claim for this loss. How
much will her insurer pay? - ANSWERS-$500
,Which of the following terms does NOT apply to workers
compensation coverage in North Carolina? - ANSWERS-Temporary
sick leave with benefits
Coverage D - Loss of Use on the Homeowners forms provides
coverage for "Civil Authority Prohibits Use" for: - ANSWERS-No
more than two weeks
All of the following statements are TRUE of the terms used in the
standard workers' compensation policy, EXCEPT: - ANSWERS-"State"
means any state of the United States, the District of Columbia, and
all territories and possessions.
All of the following is considered an "insured" under a CGL policy,
EXCEPT: - ANSWERS-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? - ANSWERS-Owners and Contractors Protective
Liability Policy.
Which of the following would be eligible for coverage under a
Businessowners policy? - ANSWERS-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? - ANSWERS-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 - ANSWERS-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: - ANSWERS-$1,000 per person
Oliver Dogwood was in an auto accident which destroyed his car.
While investigating the accident, Adjuster Doright found 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? - ANSWERS-$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? - ANSWERS-The nature and extent of the
injuries or property damage claimed.
WITH CORRECT ACTUAL QUESTIONS AND
CORRECTLY WELL DEFINED ANSWERS
LATEST ALREADY GRADED A+ 2025 - 2026
How are death benefits calculated for an employee who has died as
a result of a work related incident? - ANSWERS-66 2/3% of the
employee's average weekly wage for 500 weeks
Sharon's North Carolina home is covered under a Homeowner's
policy with a "Refrigerated Property Coverage" endorsement
attached. She stores large amounts of expensive meats in her
freezer at any given time. One morning, she doesn't hear the low
hum of her freezer motor. When she opens her freezer door, she
finds that the freezer is no longer cold and all of her meat has
spoiled. Sharon collects her receipts and finds that the price of the
spoiled meat totals $658 and she submits a claim for this loss. How
much will her insurer pay? - ANSWERS-$500
,Which of the following terms does NOT apply to workers
compensation coverage in North Carolina? - ANSWERS-Temporary
sick leave with benefits
Coverage D - Loss of Use on the Homeowners forms provides
coverage for "Civil Authority Prohibits Use" for: - ANSWERS-No
more than two weeks
All of the following statements are TRUE of the terms used in the
standard workers' compensation policy, EXCEPT: - ANSWERS-"State"
means any state of the United States, the District of Columbia, and
all territories and possessions.
All of the following is considered an "insured" under a CGL policy,
EXCEPT: - ANSWERS-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? - ANSWERS-Owners and Contractors Protective
Liability Policy.
Which of the following would be eligible for coverage under a
Businessowners policy? - ANSWERS-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? - ANSWERS-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 - ANSWERS-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: - ANSWERS-$1,000 per person
Oliver Dogwood was in an auto accident which destroyed his car.
While investigating the accident, Adjuster Doright found 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? - ANSWERS-$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? - ANSWERS-The nature and extent of the
injuries or property damage claimed.
