NC CLAIMS ADJUSTER EXAM STUDY
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Liability ntInsurance ntPAP nt(Part ntA) nt- ntANS--Pays ntall ntthe ntsums ntand ntinsured ntmust
ntlegally ntpay ntas ntdamage ntdue ntto ntBI/PD ntcaused ntby ntan ntaccident ntand ntresulting
ntfrom ntthe ntownership, ntmaintenance ntor ntuse ntof nta ntcovered ntauto.
Coverage ntPart ntA ntthrough ntF ntof nta ntPAP nt- ntANS--A. ntLiability
B. ntMedical ntPayments
C. ntUM/UIM
D. ntPhysical ntDamage
E. ntInsured ntDuties
F. ntGeneral ntProvisions
Certificate ntof ntInsurance nt(COI) nt- ntANS--A ntdocument ntthat ntproves ntthe ntexistence
ntof ntinsurance ntcoverage
Occurrence nt- ntANS--Something ntthat ntcontinue ntto nthappen ntand ntmay ntcause ntinjury
ntlater nton.
Accident nt- ntANS--A ntsudden ntunforseen ntand ntunintended ntone nttime ntevent
Assumption ntof ntrisk nt- ntANS--An ntindividual ntwho ntis ntaware ntof ntthe ntpotential ntrisk
ntinvolved ntand ntchose ntto ntexpose ntthemselves ntto ntit.
Comparative ntnegligence nt- ntANS--Measures ntthe ntamount ntof ntnegligence
ntcontributed ntto nteach ntparty. ntThe ntinjured ntparty ntwill ntnot ntcover ntdamages ntequal
ntto ntthe ntpercentage ntof ntnegligence ntthey ntcontribute.
Contributory ntNegligence nt- ntANS--If ntan ntinsured ntparty ntcontributed ntto nttheir ntinjury
ntin ntanyway ntdue ntto nttheir ntown ntnegligence, ntwe ntwill ntnot ntpay ntanything.
What ntstate ntis nta ntcontributory ntstate? nt- ntANS--North ntCarolina
Negligence nt- ntANS--Failure ntto ntdo nt(or ntnot ntdo) ntwhat nta ntreasonable ntprudent
ntperson ntwould ntor ntwould ntnot nthave ntdone ntin nta ntsimilar ntinstance.
Temporary ntSubstitute ntAutomobile nt- ntANS--Not ntowned ntby ntthe ntnamed ntinsured
ntbut ntused nttemporarily ntas nta ntsubstitute ntfor ntthe ntowned ntauto ntthat ntis ntnot
ntcurrently ntbeing ntused.
,What ntis ntan ntexample ntof nta ntTemporary ntsubstitute ntAutomobile? nt- ntANS--A
ntdealership ntloans ntan ntinsured nta ntvehicle ntto ntdrive ntwhile nttheir ntcar ntis ntgetting
ntfixed.
Non ntOwned ntAutomobile nt- ntANS--Not ntowned ntby ntthe ntnamed ntinsured ntor ntany
ntrelative.
What ntis ntan ntexample ntof ntan ntNon ntOwned ntAutomobile? nt- ntANS--An ntinsured
ntborrows nta ntneighbors ntcar.
If ntan ntadditional ntvehicle ntis ntnot ntreported ntto ntthe ntinsurer ntwithin nt30 ntdays: nt-
ntANS--No ntcoverage ntwill ntapply ntto ntthe ntadded ntvehicle.
If nta ntvehicle ntis ntadded ntto ntan ntexisting ntpolicy nt(In ntaddition ntto): nt- ntANS--It ntwill
nthave ntthe ntbroadest ntcoverage ntif ntinsured ntwithin nt30 ntdays ntof ntbecoming ntthe
ntowner.
If nta ntreplacement ntvehicle ntis ntnot ntreported ntwithin nt30 ntdays: nt- ntANS--Part ntD
nt(Comprehensive ntand ntCollision ntCoverage) ntwill ntnot ntapply ntto ntthe ntreplacement
ntvehicle.
A ntnew ntvehicle ntthat ntreplaces ntanother ntvehicle ntwill: nt- ntANS--Have ntthe ntsame
ntcoverages ntas ntthe ntold ntvehicle ntif ntthe ntnamed ntinsured ntrequest ntto ntinsure ntit
ntwithin nt30 ntdays ntof ntbecoming ntthe ntowners.
Insured nt- ntANS--Any ntblood ntrelative ntby ntmarriage, ntadoption, ntwards, ntfoster
ntchildren, ntliving ntin ntthe ntsame nthome, ntincluding ntchildren ntaway ntat ntcollege. ntAlso,
ntany ntperson ntusing ntsomeones ntcar ntwith nttheir ntpermission.
Named ntinsured nt- ntANS--Listed nton ntthe ntdeclarations ntpage. ntIncluded nta ntspouse
ntwether ntthey ntare ntnamed ntin ntthe ntpolicy ntor ntnot, ntprovided ntthey ntlive ntin ntthe
ntsame nthome.
1st ntCoverage ntfor ntwatercraft ntor ntyacht ntare: nt- ntANS--Hull ntinsurance ntfor ntdamage
ntto ntthe ntinsured ntboat ntitself
2nd ntCoverage ntfor ntwatercraft ntor ntyacht ntare: nt- ntANS--Protection ntand ntindemnity
ntliability ntcoverage ntfor ntBI ntand ntPD ntexposures ntfor ntdamage ntto ntother ntpeople ntor
ntother ntpeoples ntboats.
What ntdoesn't ntwatercraft ntor ntyacht ntcoverage ntprovide? nt- ntANS--Coverage ntfor
ntboats ntused ntfor nthire, ntcharger, ntor ntfor nttransporting ntpeople ntfor nta ntfee.
How ntmany ntdays ntremoval ntcoverage ntis ntprovided nton ntthe ntNational ntFlood
ntInsurance ntProgram? nt- ntANS--45 ntdays
, Elevation ntcertificates nt- ntANS--Required nton ntdwellings ntthat ntare ntwritten ntin ntthe
ntregular ntprogram ntin ntcertain ntflood ntzones ntin ntorder ntto ntproperly ntrate ntthe ntpolicy.
Flood ntinsurance ntpolicies ntbecome nteffective ntafter: nt- ntANS--30 ntdays ntafter ntreceipt
ntof ntthe ntcoverage ntapplication ntand ntthe ntpremium ntpayment.
The ntgeneral ntproperty ntform nton ntflood ntinsurance ntis ntused ntto: nt- ntANS--Insure
ntlarger ntresidential ntstructures ntand ntnon ntresidential ntbuildings.
The ntdwellings ntform nton nta ntflood ntinsurance ntplan ntis: nt- ntANS--Used ntto ntensure
ntresidential ntproperty ntof ntno ntmore ntthan nt4 ntunits ntand ntthe ntcontents
Flood ntinsurance ntis ntavailable ntin nt2 ntforms, ntwhat ntare ntthey? nt- ntANS--1. ntDwelling
2. ntGeneral ntproperty
The ntdeductible ntfor ntan ntemergency ntplan ntapplies: nt- ntANS--Separately ntto ntthe
ntbuilding ntloss ntand ntcontents ntif ntpurchased nton nta ntper ntoccurrence ntbasis.
How ntmuch ntis ntthe ntdeductible nton ntan ntemergency ntplan? nt- ntANS--$1,000
ntDeductibe
The ntcommunity ntbecomes nteligible ntfor nta ntregular ntplan: nt- ntANS--When nta
ntcommunity ntcomplied ntwith ntflood ntcontrol ntrequirements ntand ntthe ntextent ntof ntthe
ntflood ntplan nthas ntbeen ntmapped.
What ntare ntthe nt1st ntdefinition ntincluded ntin nta ntflood? nt- ntANS--Overflow ntof ntinland
ntor nttidal ntwater
What ntis ntthe nt2nd ntdefinition ntincluded ntin nta ntflood? nt- ntANS--Unusual ntaccumulation
ntand ntrun ntoff ntof ntsurface ntwaters
What ntis ntthe nt3rd ntdefinition ntincluded ntin nta ntflood? nt- ntANS--Mud ntflows ntor
ntmudslides ntin ntnormally ntdry ntland ntareas
What ntis ntthe nt4th ntdefinition ntincluded ntin nta ntflood? nt- ntANS--Abnormal ntflood
ntrelated nterosion ntof ntshorelines
What ntis nta ntflood? nt- ntANS--General ntand nttemporary ntconditions ntof ntpartial ntor
ntcomplete ntinundation ntof ntnormally ntdry ntland ntareas.
What ntis ntthe nt1st ntthing ntthe nt"write ntyour ntown" ntprogram ntwill ntallow? nt- ntANS--
Private ntinsurance ntcompanies ntto ntsell ntand ntservice ntflood ntinsurance ntin nttheir ntown
ntname.
What ntis ntthe nt2nd ntthing ntthe nt"write ntyour ntown" ntprogram ntwill ntallow? nt- ntANS--
Collect ntPremiums
WELL SOLVED
Liability ntInsurance ntPAP nt(Part ntA) nt- ntANS--Pays ntall ntthe ntsums ntand ntinsured ntmust
ntlegally ntpay ntas ntdamage ntdue ntto ntBI/PD ntcaused ntby ntan ntaccident ntand ntresulting
ntfrom ntthe ntownership, ntmaintenance ntor ntuse ntof nta ntcovered ntauto.
Coverage ntPart ntA ntthrough ntF ntof nta ntPAP nt- ntANS--A. ntLiability
B. ntMedical ntPayments
C. ntUM/UIM
D. ntPhysical ntDamage
E. ntInsured ntDuties
F. ntGeneral ntProvisions
Certificate ntof ntInsurance nt(COI) nt- ntANS--A ntdocument ntthat ntproves ntthe ntexistence
ntof ntinsurance ntcoverage
Occurrence nt- ntANS--Something ntthat ntcontinue ntto nthappen ntand ntmay ntcause ntinjury
ntlater nton.
Accident nt- ntANS--A ntsudden ntunforseen ntand ntunintended ntone nttime ntevent
Assumption ntof ntrisk nt- ntANS--An ntindividual ntwho ntis ntaware ntof ntthe ntpotential ntrisk
ntinvolved ntand ntchose ntto ntexpose ntthemselves ntto ntit.
Comparative ntnegligence nt- ntANS--Measures ntthe ntamount ntof ntnegligence
ntcontributed ntto nteach ntparty. ntThe ntinjured ntparty ntwill ntnot ntcover ntdamages ntequal
ntto ntthe ntpercentage ntof ntnegligence ntthey ntcontribute.
Contributory ntNegligence nt- ntANS--If ntan ntinsured ntparty ntcontributed ntto nttheir ntinjury
ntin ntanyway ntdue ntto nttheir ntown ntnegligence, ntwe ntwill ntnot ntpay ntanything.
What ntstate ntis nta ntcontributory ntstate? nt- ntANS--North ntCarolina
Negligence nt- ntANS--Failure ntto ntdo nt(or ntnot ntdo) ntwhat nta ntreasonable ntprudent
ntperson ntwould ntor ntwould ntnot nthave ntdone ntin nta ntsimilar ntinstance.
Temporary ntSubstitute ntAutomobile nt- ntANS--Not ntowned ntby ntthe ntnamed ntinsured
ntbut ntused nttemporarily ntas nta ntsubstitute ntfor ntthe ntowned ntauto ntthat ntis ntnot
ntcurrently ntbeing ntused.
,What ntis ntan ntexample ntof nta ntTemporary ntsubstitute ntAutomobile? nt- ntANS--A
ntdealership ntloans ntan ntinsured nta ntvehicle ntto ntdrive ntwhile nttheir ntcar ntis ntgetting
ntfixed.
Non ntOwned ntAutomobile nt- ntANS--Not ntowned ntby ntthe ntnamed ntinsured ntor ntany
ntrelative.
What ntis ntan ntexample ntof ntan ntNon ntOwned ntAutomobile? nt- ntANS--An ntinsured
ntborrows nta ntneighbors ntcar.
If ntan ntadditional ntvehicle ntis ntnot ntreported ntto ntthe ntinsurer ntwithin nt30 ntdays: nt-
ntANS--No ntcoverage ntwill ntapply ntto ntthe ntadded ntvehicle.
If nta ntvehicle ntis ntadded ntto ntan ntexisting ntpolicy nt(In ntaddition ntto): nt- ntANS--It ntwill
nthave ntthe ntbroadest ntcoverage ntif ntinsured ntwithin nt30 ntdays ntof ntbecoming ntthe
ntowner.
If nta ntreplacement ntvehicle ntis ntnot ntreported ntwithin nt30 ntdays: nt- ntANS--Part ntD
nt(Comprehensive ntand ntCollision ntCoverage) ntwill ntnot ntapply ntto ntthe ntreplacement
ntvehicle.
A ntnew ntvehicle ntthat ntreplaces ntanother ntvehicle ntwill: nt- ntANS--Have ntthe ntsame
ntcoverages ntas ntthe ntold ntvehicle ntif ntthe ntnamed ntinsured ntrequest ntto ntinsure ntit
ntwithin nt30 ntdays ntof ntbecoming ntthe ntowners.
Insured nt- ntANS--Any ntblood ntrelative ntby ntmarriage, ntadoption, ntwards, ntfoster
ntchildren, ntliving ntin ntthe ntsame nthome, ntincluding ntchildren ntaway ntat ntcollege. ntAlso,
ntany ntperson ntusing ntsomeones ntcar ntwith nttheir ntpermission.
Named ntinsured nt- ntANS--Listed nton ntthe ntdeclarations ntpage. ntIncluded nta ntspouse
ntwether ntthey ntare ntnamed ntin ntthe ntpolicy ntor ntnot, ntprovided ntthey ntlive ntin ntthe
ntsame nthome.
1st ntCoverage ntfor ntwatercraft ntor ntyacht ntare: nt- ntANS--Hull ntinsurance ntfor ntdamage
ntto ntthe ntinsured ntboat ntitself
2nd ntCoverage ntfor ntwatercraft ntor ntyacht ntare: nt- ntANS--Protection ntand ntindemnity
ntliability ntcoverage ntfor ntBI ntand ntPD ntexposures ntfor ntdamage ntto ntother ntpeople ntor
ntother ntpeoples ntboats.
What ntdoesn't ntwatercraft ntor ntyacht ntcoverage ntprovide? nt- ntANS--Coverage ntfor
ntboats ntused ntfor nthire, ntcharger, ntor ntfor nttransporting ntpeople ntfor nta ntfee.
How ntmany ntdays ntremoval ntcoverage ntis ntprovided nton ntthe ntNational ntFlood
ntInsurance ntProgram? nt- ntANS--45 ntdays
, Elevation ntcertificates nt- ntANS--Required nton ntdwellings ntthat ntare ntwritten ntin ntthe
ntregular ntprogram ntin ntcertain ntflood ntzones ntin ntorder ntto ntproperly ntrate ntthe ntpolicy.
Flood ntinsurance ntpolicies ntbecome nteffective ntafter: nt- ntANS--30 ntdays ntafter ntreceipt
ntof ntthe ntcoverage ntapplication ntand ntthe ntpremium ntpayment.
The ntgeneral ntproperty ntform nton ntflood ntinsurance ntis ntused ntto: nt- ntANS--Insure
ntlarger ntresidential ntstructures ntand ntnon ntresidential ntbuildings.
The ntdwellings ntform nton nta ntflood ntinsurance ntplan ntis: nt- ntANS--Used ntto ntensure
ntresidential ntproperty ntof ntno ntmore ntthan nt4 ntunits ntand ntthe ntcontents
Flood ntinsurance ntis ntavailable ntin nt2 ntforms, ntwhat ntare ntthey? nt- ntANS--1. ntDwelling
2. ntGeneral ntproperty
The ntdeductible ntfor ntan ntemergency ntplan ntapplies: nt- ntANS--Separately ntto ntthe
ntbuilding ntloss ntand ntcontents ntif ntpurchased nton nta ntper ntoccurrence ntbasis.
How ntmuch ntis ntthe ntdeductible nton ntan ntemergency ntplan? nt- ntANS--$1,000
ntDeductibe
The ntcommunity ntbecomes nteligible ntfor nta ntregular ntplan: nt- ntANS--When nta
ntcommunity ntcomplied ntwith ntflood ntcontrol ntrequirements ntand ntthe ntextent ntof ntthe
ntflood ntplan nthas ntbeen ntmapped.
What ntare ntthe nt1st ntdefinition ntincluded ntin nta ntflood? nt- ntANS--Overflow ntof ntinland
ntor nttidal ntwater
What ntis ntthe nt2nd ntdefinition ntincluded ntin nta ntflood? nt- ntANS--Unusual ntaccumulation
ntand ntrun ntoff ntof ntsurface ntwaters
What ntis ntthe nt3rd ntdefinition ntincluded ntin nta ntflood? nt- ntANS--Mud ntflows ntor
ntmudslides ntin ntnormally ntdry ntland ntareas
What ntis ntthe nt4th ntdefinition ntincluded ntin nta ntflood? nt- ntANS--Abnormal ntflood
ntrelated nterosion ntof ntshorelines
What ntis nta ntflood? nt- ntANS--General ntand nttemporary ntconditions ntof ntpartial ntor
ntcomplete ntinundation ntof ntnormally ntdry ntland ntareas.
What ntis ntthe nt1st ntthing ntthe nt"write ntyour ntown" ntprogram ntwill ntallow? nt- ntANS--
Private ntinsurance ntcompanies ntto ntsell ntand ntservice ntflood ntinsurance ntin nttheir ntown
ntname.
What ntis ntthe nt2nd ntthing ntthe nt"write ntyour ntown" ntprogram ntwill ntallow? nt- ntANS--
Collect ntPremiums
