NH ADJUSTER FOR PROPERTY & CASUALTY
EXAM 2025/2026 WITH 100% ACCURATE
ANSWERS
1. Describe the significance of the Restoration Period in the context of time
element coverage.
The Restoration Period is crucial as it determines the duration
for which coverage applies based on the time needed to
restore the property.
The Restoration Period is irrelevant to insurance claims.
The Restoration Period is the time allowed for policy renewal.
The Restoration Period only applies to personal property, not
liability.
2. Which of the following is considered a 'garage operation'?
I, II, and III only.
I and III only.
I and II only.
I, II, III, and IV.
3. Which of the business auto coverage forms provides insurance for a
contract carrier that transports its own goods in addition to the goods
owned by others?
Truckers Coverage Form
Garage Coverage Form
Motor Carrier Coverage Form
,Business Auto Coverage Form
,4. Describe how Dan's HO-3 policy applies to the theft of Mike's scuba
diving equipment while in Puerto Rico.
Dan's HO-3 policy does not cover borrowed items.
Dan's HO-3 policy only covers items owned by the insured.
Dan's HO-3 policy only covers property located in the insured's
home.
Dan's HO-3 policy covers personal property used by the
insured anywhere in the world, including Mike's scuba diving
equipment.
5. If an adjuster mistakenly contacts a claimant who has an attorney
without obtaining consent, what could be a potential consequence?
The adjuster will receive a warning from the insurance company.
Legal repercussions for violating attorney-client privilege.
The claim will be processed faster.
The claimant will lose their right to file a claim.
6. Describe the purpose of the Motor Carrier Form in relation to
commercial vehicles.
The Motor Carrier Form is designed to cover vehicles that
transport persons or property for a fee.
The Motor Carrier Form is used for recreational vehicles.
The Motor Carrier Form is used for personal vehicles only.
The Motor Carrier Form provides coverage for property damage
only.
, 7. An insured individual is involved in an accident while driving a rental car
during a business trip. Which insurance coverage would be relevant for
their claim?
Homeowners Insurance
Comprehensive Coverage
Coverage for Non-Owned Autos
Personal Injury Protection
8. Public Law 15, also known as the McCarran-Ferguson Act, established
the regulation of the insurance business by:
Establishing the National Association of Insurance
Commissioners
Allowing state regulation of insurance transactions
Abolishing the provisions of the Sherman Act, Clayton Act, and
Federal Trade Commission Act
Prohibiting state regulation of insurance transactions
9. A homeowner moves into her new house built by a contractor. Shortly
after moving in, the roof leaks and damage is the contents inside the
home. What coverage with a contractor Carey that could respond to
cover some of this claim?
Operations coverage
Personal injury coverage.
Contractual coverage
Completed operations coverage
10. Collision is referred to as colliding with another object or _____ of the
vehicle.
EXAM 2025/2026 WITH 100% ACCURATE
ANSWERS
1. Describe the significance of the Restoration Period in the context of time
element coverage.
The Restoration Period is crucial as it determines the duration
for which coverage applies based on the time needed to
restore the property.
The Restoration Period is irrelevant to insurance claims.
The Restoration Period is the time allowed for policy renewal.
The Restoration Period only applies to personal property, not
liability.
2. Which of the following is considered a 'garage operation'?
I, II, and III only.
I and III only.
I and II only.
I, II, III, and IV.
3. Which of the business auto coverage forms provides insurance for a
contract carrier that transports its own goods in addition to the goods
owned by others?
Truckers Coverage Form
Garage Coverage Form
Motor Carrier Coverage Form
,Business Auto Coverage Form
,4. Describe how Dan's HO-3 policy applies to the theft of Mike's scuba
diving equipment while in Puerto Rico.
Dan's HO-3 policy does not cover borrowed items.
Dan's HO-3 policy only covers items owned by the insured.
Dan's HO-3 policy only covers property located in the insured's
home.
Dan's HO-3 policy covers personal property used by the
insured anywhere in the world, including Mike's scuba diving
equipment.
5. If an adjuster mistakenly contacts a claimant who has an attorney
without obtaining consent, what could be a potential consequence?
The adjuster will receive a warning from the insurance company.
Legal repercussions for violating attorney-client privilege.
The claim will be processed faster.
The claimant will lose their right to file a claim.
6. Describe the purpose of the Motor Carrier Form in relation to
commercial vehicles.
The Motor Carrier Form is designed to cover vehicles that
transport persons or property for a fee.
The Motor Carrier Form is used for recreational vehicles.
The Motor Carrier Form is used for personal vehicles only.
The Motor Carrier Form provides coverage for property damage
only.
, 7. An insured individual is involved in an accident while driving a rental car
during a business trip. Which insurance coverage would be relevant for
their claim?
Homeowners Insurance
Comprehensive Coverage
Coverage for Non-Owned Autos
Personal Injury Protection
8. Public Law 15, also known as the McCarran-Ferguson Act, established
the regulation of the insurance business by:
Establishing the National Association of Insurance
Commissioners
Allowing state regulation of insurance transactions
Abolishing the provisions of the Sherman Act, Clayton Act, and
Federal Trade Commission Act
Prohibiting state regulation of insurance transactions
9. A homeowner moves into her new house built by a contractor. Shortly
after moving in, the roof leaks and damage is the contents inside the
home. What coverage with a contractor Carey that could respond to
cover some of this claim?
Operations coverage
Personal injury coverage.
Contractual coverage
Completed operations coverage
10. Collision is referred to as colliding with another object or _____ of the
vehicle.
