NM ADJUSTER ACTUAL EXAM PAPER 2026
QUESTIONS WITH SOLUTIONS GRADED A+
◉ Which of the following people does NOT have an insurable interest in
an insured property? Answer: A homeowner's interest in the local town
water pipes that deliver water to his home.
◉ In the event of a catastrophe, emergency adjuster licenses in New
Mexico are valid for: Answer: 90 days.
◉ Cindy falls down the stairs at Jane's house and breaks her arm,
resulting in $2,500 in medical expenses. Jane's homeowner's insurance
will cover the liability, but Cindy is particularly mad at Jane for not
keeping her house in order and is seeking punitive damages. Jane's
insurance adjuster informs the two of them that they will likely have to
go to court to settle the dispute because: Answer: punitive damages can
only be determined by a court of law.
◉ Under Jacqueline's Personal Injury Protection, all of the following
would be covered for bodily injuries except: Answer: Jacqueline's sister
who also has PIP
◉ Jason has had mild asthma since childhood. He now works in a
chemical processing plant, and his asthma has gotten much worse ever
, since he contracted pneumonia because of the fumes at the plant. For
workers' compensation insurance, this is usually known as: Answer:
aggravation.
◉ Jane's shed burns to the ground during a tornado, when a tree falls on
the roof and snaps a power line, which then ignites the structure. What is
the proximate cause of the loss? Answer: Wind
◉ Inland marine insurance protects: Answer: property related to
transportation and property being transported
◉ Under the New Mexico Commercial Auto Insurance Plan, a
policyholder can purchase additional coverage up to limits required by
any other state: Answer: but only for as long as the insured vehicles are
being driven in that state.
◉ What are the four requirements of a legally binding contract? Answer:
Agreement, consideration, competent parties, legal purpose
◉ Which statement about the Jones Act is TRUE? Answer: It protects
injured seamen by allowing them to sue for damages and to choose a
jury trial.
◉ All of the following lines of coverage may be offered in Commercial
Package Policy, except: Answer: Workers' Compensation.
QUESTIONS WITH SOLUTIONS GRADED A+
◉ Which of the following people does NOT have an insurable interest in
an insured property? Answer: A homeowner's interest in the local town
water pipes that deliver water to his home.
◉ In the event of a catastrophe, emergency adjuster licenses in New
Mexico are valid for: Answer: 90 days.
◉ Cindy falls down the stairs at Jane's house and breaks her arm,
resulting in $2,500 in medical expenses. Jane's homeowner's insurance
will cover the liability, but Cindy is particularly mad at Jane for not
keeping her house in order and is seeking punitive damages. Jane's
insurance adjuster informs the two of them that they will likely have to
go to court to settle the dispute because: Answer: punitive damages can
only be determined by a court of law.
◉ Under Jacqueline's Personal Injury Protection, all of the following
would be covered for bodily injuries except: Answer: Jacqueline's sister
who also has PIP
◉ Jason has had mild asthma since childhood. He now works in a
chemical processing plant, and his asthma has gotten much worse ever
, since he contracted pneumonia because of the fumes at the plant. For
workers' compensation insurance, this is usually known as: Answer:
aggravation.
◉ Jane's shed burns to the ground during a tornado, when a tree falls on
the roof and snaps a power line, which then ignites the structure. What is
the proximate cause of the loss? Answer: Wind
◉ Inland marine insurance protects: Answer: property related to
transportation and property being transported
◉ Under the New Mexico Commercial Auto Insurance Plan, a
policyholder can purchase additional coverage up to limits required by
any other state: Answer: but only for as long as the insured vehicles are
being driven in that state.
◉ What are the four requirements of a legally binding contract? Answer:
Agreement, consideration, competent parties, legal purpose
◉ Which statement about the Jones Act is TRUE? Answer: It protects
injured seamen by allowing them to sue for damages and to choose a
jury trial.
◉ All of the following lines of coverage may be offered in Commercial
Package Policy, except: Answer: Workers' Compensation.
