NC CASUALTY INSURANCE EXAM
PRACTICE LATEST EXAM TEST WITH
QUESTIONS AND CORRECT ANSWERS
RATED A+
The Workers Compensation Act provides coverage for all of
the following losses EXCEPT:
A.a personal injury arising out of, or in the course of,
employment
B.an on-the-job injury sustained by an employee who was
intoxicated
C.an on-the-job injury inflicted by a third party against an
employee
D.death that occurs at an employee's home but results from
a lung disease that is job-related
B
In this state, a domestic insurance company is defined as a
company that:
A.operates in this state but is incorporated in another state
B.operates in this state but is domiciled in another state
C.is headquartered in this state
D.is incorporated in this state
D
Which of the following companies MUST participate in the
Auto Insurance Plan?
,A.All companies that sell auto insurance in this state
B.Only companies that sell more than 1,000 auto policies per
year in this state
C.Only the ten largest auto insurance companies in this state
D.Only surplus lines insurance companies that sell auto
insurance in this state
A
Under the Automobile Insurance Plan (AIP), all of the
following coverages are available to the eligible owner of a
private passenger vehicle EXCEPT:
A.Rental Reimbursement
B.Personal Injury Protection (PIP)
C.Underinsured Motorists
D.Bodily Injury
A
Proof of Motor Vehicle Liability insurance is required of a
driver:
A.when registering a vehicle
B.when applying for a driver's license
C.after acquiring a vehicle
D.after an automobile accident involving bodily injury
A
The Insurance Commissioner may issue a limited insurance
representative license to an individual who wants to sell
which of the following types of policies?
,A.Fire
B.Automobile
C.Mortgage Guaranty
D.Health
C
An insurance company may deny an employee's claim for
Workers Compensation benefits if the employee was:
A.traveling on company business when the injury occurred
B.drunk and caused the injury
C.careless and caused the injury
D.injured through the actions of a fellow employee
B
The Insurance Commissioner may suspend, revoke, or deny
a producer's license for all of the following reasons EXCEPT:
A.untrue statements on the license application
B.conviction of a misdemeanor
C.incompetency
D.converting funds
B
An employer who has been refused Workers Compensation
coverage by at least four insurance companies may apply for
coverage with:
A.the FAIR Plan
B.the Assigned Risk Plan
C.the Joint Underwriters Association (JUA)
D.a reinsurance facility
, B
If an insured has more than one auto policy that provides
Uninsured Motorists coverage, which of the following
statements about the recovery of benefits is CORRECT?
A.Benefits are limited to the requirements established by the
Financial Responsibility Act.
B.Benefits are paid only by the policy with the highest limits.
C.Total recovery is restricted to the average limits of those
coverages.
D.Total recovery is restricted to the highest limits of those
coverages.
D
A candidate for licensure as a casualty insurance producer
must have completed a MINIMUM of how many hours of
prelicensing education?
A.45
B.30
C.15
D.7.5
C
A private passenger auto policy may be canceled more than
sixty days after the effective date for which of the following
reasons?
A.A change in the insured's occupation
B.The addition of a teenage driver to the policy
PRACTICE LATEST EXAM TEST WITH
QUESTIONS AND CORRECT ANSWERS
RATED A+
The Workers Compensation Act provides coverage for all of
the following losses EXCEPT:
A.a personal injury arising out of, or in the course of,
employment
B.an on-the-job injury sustained by an employee who was
intoxicated
C.an on-the-job injury inflicted by a third party against an
employee
D.death that occurs at an employee's home but results from
a lung disease that is job-related
B
In this state, a domestic insurance company is defined as a
company that:
A.operates in this state but is incorporated in another state
B.operates in this state but is domiciled in another state
C.is headquartered in this state
D.is incorporated in this state
D
Which of the following companies MUST participate in the
Auto Insurance Plan?
,A.All companies that sell auto insurance in this state
B.Only companies that sell more than 1,000 auto policies per
year in this state
C.Only the ten largest auto insurance companies in this state
D.Only surplus lines insurance companies that sell auto
insurance in this state
A
Under the Automobile Insurance Plan (AIP), all of the
following coverages are available to the eligible owner of a
private passenger vehicle EXCEPT:
A.Rental Reimbursement
B.Personal Injury Protection (PIP)
C.Underinsured Motorists
D.Bodily Injury
A
Proof of Motor Vehicle Liability insurance is required of a
driver:
A.when registering a vehicle
B.when applying for a driver's license
C.after acquiring a vehicle
D.after an automobile accident involving bodily injury
A
The Insurance Commissioner may issue a limited insurance
representative license to an individual who wants to sell
which of the following types of policies?
,A.Fire
B.Automobile
C.Mortgage Guaranty
D.Health
C
An insurance company may deny an employee's claim for
Workers Compensation benefits if the employee was:
A.traveling on company business when the injury occurred
B.drunk and caused the injury
C.careless and caused the injury
D.injured through the actions of a fellow employee
B
The Insurance Commissioner may suspend, revoke, or deny
a producer's license for all of the following reasons EXCEPT:
A.untrue statements on the license application
B.conviction of a misdemeanor
C.incompetency
D.converting funds
B
An employer who has been refused Workers Compensation
coverage by at least four insurance companies may apply for
coverage with:
A.the FAIR Plan
B.the Assigned Risk Plan
C.the Joint Underwriters Association (JUA)
D.a reinsurance facility
, B
If an insured has more than one auto policy that provides
Uninsured Motorists coverage, which of the following
statements about the recovery of benefits is CORRECT?
A.Benefits are limited to the requirements established by the
Financial Responsibility Act.
B.Benefits are paid only by the policy with the highest limits.
C.Total recovery is restricted to the average limits of those
coverages.
D.Total recovery is restricted to the highest limits of those
coverages.
D
A candidate for licensure as a casualty insurance producer
must have completed a MINIMUM of how many hours of
prelicensing education?
A.45
B.30
C.15
D.7.5
C
A private passenger auto policy may be canceled more than
sixty days after the effective date for which of the following
reasons?
A.A change in the insured's occupation
B.The addition of a teenage driver to the policy
