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NC ADJUSTER LICENSE EXAM LATEST 2026 ACTUAL EXAM WITH
COMPLETE QUESTIONS AND CORRECT DETAILED ANSWERS (100%
VERIFIED ANSWERS) |ALREADY GRADED A+| ||PROFESSOR
VERIFIED|| ||BRANDNEW!!!||
J is a building contractor and has a variety of power tools at
several job sites. He wishes to insure all the tools under one
insurance policy. The insurance policy will refer to the coverage
as ____. - ANSWER-Blanket Coverage
In the Supplementary Payments section of the Personal Auto
Policy (PAP), coverage is provided for Bail Bonds. What is the
standard amount of coverage? - ANSWER-$250.00
Which of the following vehicles would NOT be covered by the
Personal Auto Policy? - ANSWER-An International Harvester
panel truck used to deliver orders for the insured's business
A tree limb falls onto B's motor vehicle during a windstorm and
damages the windshield. Which coverage part of B's Personal
Auto Policy will cover the loss? - ANSWER-Coverage D- Physical
Damage (Damage to Your Auto)
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Which of the following statements about an insured under the
Personal Auto Policy (PAP) is CORRECT? - ANSWER-The
insured and spouse if living in the same household
The Personal Auto Policy is referred to as a _______ policy. -
ANSWER-Per occurrence
J decides to cancel his Personal Auto Policy (PAP) during the
policy period. He has paid premiums for six (6) months coverage,
but is only three (3) months into the policy period. What will
happen to the unearned premium? - ANSWER-The insurer will
refund the premium on a short rate basis.
E borrows J's motor vehicle to run an errand. Unfortunately, E is
involved in an at-fault accident. J's motor vehicle is damaged in
the accident. Whose motor vehicle policy will pay for the damage
to J's motor vehicle damage? - ANSWER-J's Collision Coverage
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The Personal Auto Policy (PAP) may be cancelled for all of the
following reasons EXCEPT ____. - ANSWER-The named insured
moves to a new address without giving the insurer prior notice
B comes out of a store to find her car has been damaged by
another .. There are no witnesses to the damage. She wishes to
file a damage claim under her Uninsured Motorists coverage. The
insurer will respond how? - ANSWER-She cannot file under her
Uninsured Motorists Coverage
The Personal Auto Policy (PAP) would NOT provide coverage
under which of the following situations? - ANSWER-A non-
resident of the household is driving the insured vehicle without
permission of a resident of the household.
Which of the following locations would the Personal Auto Policy
(PAP) be in effect? - ANSWER-San Juan, Puerto Rico
Which of the following is NOT an exclusion common to a Personal
Auto Policy (PAP)? - ANSWER-Bodily injury caused by a person
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using the vehicle without a reasonable belief that he or she is
entitled to do so
J has an motor vehicle covered by a Personal Auto Policy (PAP).
J has Other Than Collision coverage on the policy with a $250.00
per occurrence deductible. His motor vehicle is vandalized
causing $1,000 damage to the motor vehicle. Which of the
following statements regarding his coverage is CORRECT? -
ANSWER-J can file a claim and be reimbursed the $1,000 minus
his deductible.
In the Personal Auto Policy (PAP) settlement for claims with
Damage To Your Auto (Physical Damage) is made on an
________ basis. - ANSWER-Actual Cash Value
Which of the following statements is NOT correct about liability
coverage under the Personal Auto Policy (PAP)? - ANSWER-A
90-day leased vehicle is acceptable under the Personal Auto
Policy (PAP).
NC ADJUSTER LICENSE EXAM LATEST 2026 ACTUAL EXAM WITH
COMPLETE QUESTIONS AND CORRECT DETAILED ANSWERS (100%
VERIFIED ANSWERS) |ALREADY GRADED A+| ||PROFESSOR
VERIFIED|| ||BRANDNEW!!!||
J is a building contractor and has a variety of power tools at
several job sites. He wishes to insure all the tools under one
insurance policy. The insurance policy will refer to the coverage
as ____. - ANSWER-Blanket Coverage
In the Supplementary Payments section of the Personal Auto
Policy (PAP), coverage is provided for Bail Bonds. What is the
standard amount of coverage? - ANSWER-$250.00
Which of the following vehicles would NOT be covered by the
Personal Auto Policy? - ANSWER-An International Harvester
panel truck used to deliver orders for the insured's business
A tree limb falls onto B's motor vehicle during a windstorm and
damages the windshield. Which coverage part of B's Personal
Auto Policy will cover the loss? - ANSWER-Coverage D- Physical
Damage (Damage to Your Auto)
,2|Page
Which of the following statements about an insured under the
Personal Auto Policy (PAP) is CORRECT? - ANSWER-The
insured and spouse if living in the same household
The Personal Auto Policy is referred to as a _______ policy. -
ANSWER-Per occurrence
J decides to cancel his Personal Auto Policy (PAP) during the
policy period. He has paid premiums for six (6) months coverage,
but is only three (3) months into the policy period. What will
happen to the unearned premium? - ANSWER-The insurer will
refund the premium on a short rate basis.
E borrows J's motor vehicle to run an errand. Unfortunately, E is
involved in an at-fault accident. J's motor vehicle is damaged in
the accident. Whose motor vehicle policy will pay for the damage
to J's motor vehicle damage? - ANSWER-J's Collision Coverage
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The Personal Auto Policy (PAP) may be cancelled for all of the
following reasons EXCEPT ____. - ANSWER-The named insured
moves to a new address without giving the insurer prior notice
B comes out of a store to find her car has been damaged by
another .. There are no witnesses to the damage. She wishes to
file a damage claim under her Uninsured Motorists coverage. The
insurer will respond how? - ANSWER-She cannot file under her
Uninsured Motorists Coverage
The Personal Auto Policy (PAP) would NOT provide coverage
under which of the following situations? - ANSWER-A non-
resident of the household is driving the insured vehicle without
permission of a resident of the household.
Which of the following locations would the Personal Auto Policy
(PAP) be in effect? - ANSWER-San Juan, Puerto Rico
Which of the following is NOT an exclusion common to a Personal
Auto Policy (PAP)? - ANSWER-Bodily injury caused by a person
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using the vehicle without a reasonable belief that he or she is
entitled to do so
J has an motor vehicle covered by a Personal Auto Policy (PAP).
J has Other Than Collision coverage on the policy with a $250.00
per occurrence deductible. His motor vehicle is vandalized
causing $1,000 damage to the motor vehicle. Which of the
following statements regarding his coverage is CORRECT? -
ANSWER-J can file a claim and be reimbursed the $1,000 minus
his deductible.
In the Personal Auto Policy (PAP) settlement for claims with
Damage To Your Auto (Physical Damage) is made on an
________ basis. - ANSWER-Actual Cash Value
Which of the following statements is NOT correct about liability
coverage under the Personal Auto Policy (PAP)? - ANSWER-A
90-day leased vehicle is acceptable under the Personal Auto
Policy (PAP).
