NC ADJUSTER LICENSE PRACTICE EXAM
QUESTIONS AND ANSWERS LATEST 2025-2026
UPDATE |EXCELLENCY ALL THE WAY
When an insurer is called upon to defend a suit under a CGL policy, the
amount that can be paid for the defense costs is: - Answer-Not limited
Any North Carolina lender in making or servicing real estate mortgage
or deed of trust loans on one to four family residences must accept a
binder as proof of insurance. The binder presented to the lender must
include all of the following, EXCEPT - Answer-A sworn statement that
the insurance will be kept in force.
Which of the following statements is TRUE concerning Part A -
Liability coverage on a standard Personal Automobile policy? - Answer-
The coverage is provided only for accidents caused by those who are
"insureds" under the policy..
Which of the following is NOT a reason to purchase a Dwelling policy
instead of a Homeowners policy? - Answer-The Dwelling policy
provides higher limits of liability than the Homeowners policy..
Which of the following is NOT excluded by Section II - Liability of the
Business Automobile policy? - Answer-Cost to defend the insured
The insured and her 18-year-old son, who lives in the insured's
household, are crossing the street when both of them are struck by a
,drunk driver. The Part B - Medical Payments coverage of the insured's
personal auto policy will: - Answer-Provide coverage for both the
insured and her son
All of the following are types of rehabilitative services provided under a
workers' compensation policy, EXCEPT: - Answer-Substance abuse
Which of the following statements defines a "bailee"? - Answer-
Someone, other than the insured, to whom the insured property is
entrusted temporarily.
In North Carolina, the motor vehicle liability policy law requires
owners of motor vehicles to carry limits of: - Answer-$30/60/25
Many states amend property insurance coverage additions and
extensions by statute due to insufficient coverage amounts or time limits.
All of the following are property insurance additions or extensions that
are frequently amended by state statute, EXCEPT: - Answer-Other
Structures
How are household personal property claims settled under the farm
policy? - Answer-Actual cash value
Which policy would be best for a prospective insured who wants
coverage against liability assumed by him under specific written
agreements? - Answer-Contractual Liability provided under a CGL
policy
, North Carolina law prohibits any Fire insurance policy covering
property within the state of North Carolina to be issued for a term: -
Answer-Longer than seven years
Collin suffered a work-related injury on the morning of February 5th
and was off work completely until he returned to work on full duty on
February 19th. Collin had worked for his employer for four years and
was paid $42,125 per year. Collin's state sets the TTD rate at 66 2/3rd
percent of the average weekly wage. The state sets the maximum
compensation rate at $420 per week and the waiting period at 3 days
retroactive after 10 days. Collin was not paid for working on February
5th, so how many days of TTD compensation is Collin entitled to
receive? - Answer-14
All of the following are examples of insurable interest in property,
EXCEPT: - Answer-The interest an individual has in the property her
parents will someday leave to her.
George went out for target practice one day with his handgun. He has
practiced many times with the same target located in the woods behind
his house. Unbeknownst to George, a neighbor was walking in the
woods behind the target one day and was shot in the leg by George.
Intentional acts are never covered by insurance, however, the claim filed
by the injured neighbor may be covered under George's liability
coverage. Which of the following is the most likely reason why? -
Answer-Shooting the gun was an intentional act committed by George,
but the consequences of act (his neighbor being shot) were not intended
QUESTIONS AND ANSWERS LATEST 2025-2026
UPDATE |EXCELLENCY ALL THE WAY
When an insurer is called upon to defend a suit under a CGL policy, the
amount that can be paid for the defense costs is: - Answer-Not limited
Any North Carolina lender in making or servicing real estate mortgage
or deed of trust loans on one to four family residences must accept a
binder as proof of insurance. The binder presented to the lender must
include all of the following, EXCEPT - Answer-A sworn statement that
the insurance will be kept in force.
Which of the following statements is TRUE concerning Part A -
Liability coverage on a standard Personal Automobile policy? - Answer-
The coverage is provided only for accidents caused by those who are
"insureds" under the policy..
Which of the following is NOT a reason to purchase a Dwelling policy
instead of a Homeowners policy? - Answer-The Dwelling policy
provides higher limits of liability than the Homeowners policy..
Which of the following is NOT excluded by Section II - Liability of the
Business Automobile policy? - Answer-Cost to defend the insured
The insured and her 18-year-old son, who lives in the insured's
household, are crossing the street when both of them are struck by a
,drunk driver. The Part B - Medical Payments coverage of the insured's
personal auto policy will: - Answer-Provide coverage for both the
insured and her son
All of the following are types of rehabilitative services provided under a
workers' compensation policy, EXCEPT: - Answer-Substance abuse
Which of the following statements defines a "bailee"? - Answer-
Someone, other than the insured, to whom the insured property is
entrusted temporarily.
In North Carolina, the motor vehicle liability policy law requires
owners of motor vehicles to carry limits of: - Answer-$30/60/25
Many states amend property insurance coverage additions and
extensions by statute due to insufficient coverage amounts or time limits.
All of the following are property insurance additions or extensions that
are frequently amended by state statute, EXCEPT: - Answer-Other
Structures
How are household personal property claims settled under the farm
policy? - Answer-Actual cash value
Which policy would be best for a prospective insured who wants
coverage against liability assumed by him under specific written
agreements? - Answer-Contractual Liability provided under a CGL
policy
, North Carolina law prohibits any Fire insurance policy covering
property within the state of North Carolina to be issued for a term: -
Answer-Longer than seven years
Collin suffered a work-related injury on the morning of February 5th
and was off work completely until he returned to work on full duty on
February 19th. Collin had worked for his employer for four years and
was paid $42,125 per year. Collin's state sets the TTD rate at 66 2/3rd
percent of the average weekly wage. The state sets the maximum
compensation rate at $420 per week and the waiting period at 3 days
retroactive after 10 days. Collin was not paid for working on February
5th, so how many days of TTD compensation is Collin entitled to
receive? - Answer-14
All of the following are examples of insurable interest in property,
EXCEPT: - Answer-The interest an individual has in the property her
parents will someday leave to her.
George went out for target practice one day with his handgun. He has
practiced many times with the same target located in the woods behind
his house. Unbeknownst to George, a neighbor was walking in the
woods behind the target one day and was shot in the leg by George.
Intentional acts are never covered by insurance, however, the claim filed
by the injured neighbor may be covered under George's liability
coverage. Which of the following is the most likely reason why? -
Answer-Shooting the gun was an intentional act committed by George,
but the consequences of act (his neighbor being shot) were not intended
