NORTH CAROLINA INSURANCE ADJUSTER EXAM 2024 2 TESTING EXAM WITH 100 QUESTIONS AND ANSWERS EACH ALREADY GRADED A
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NORTH CAROLINA INSURANCE ADJUSTER
NORTH CAROLINA INSURANCE ADJUSTER EXAM
2024 2 TESTING EXAM WITH 100 QUESTIONS AND
ANSWERS EACH ALREADY GRADED A
NORTH CAROLINA INSURANCE ADJUSTER EXAM
2024 2 TESTING EXAM WITH 100 QUESTIONS AND
ANSWERS EACH ALREADY GRADED A
north carolina insurance adjuster exam 2024 2 test
insurance adjuster exam 2024 2 test
north carolina insurance adjuster
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NORTH CAROLINA INSURANCE ADJUSTER
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NORTH CAROLINA INSURANCE ADJUSTER EXAM
2024 2 TESTING EXAM WITH 100 QUESTIONS AND
ANSWERS EACH ALREADY GRADED A
Which of the following is commonly debited from a claims payment before
that amount is remitted to the insured?
A. Salvage costs
B. A liability fee
C. A deductible
D. Future premiums
C. A deductible
Which of the following serves as temporary evidence that coverage is in effect?
A. An endorsement
B. A rider
C. An exclusion
D. A binder
D. A binder
Which of the following is the definition of "accident" as it pertains to insurance?
A. A sudden and unforeseen event or a continuous and repeated exposure to an
event that results in a financial loss.
B. The actual injury or damage sustained by the insured
C. The state of being subject to loss because of some type of hazard
D. A sudden and unforeseen event resulting in a financial loss
D. A sudden and unforeseen event resulting in a financial loss
Which of the following is the clause that declares that the insurance company is
entitled to the insured's right of recovery from a negligent party?
A. Subrogation clause
B. Other insurance clause
C. "Other Sources of Recovery on Insurance under Two or More Policies" clause
D. Entire Contract clause
A. Subrogation clause
,NORTH CAROLINA INSURANCE ADJUSTER EXAM
2024 2 TESTING EXAM WITH 100 QUESTIONS AND
ANSWERS EACH ALREADY GRADED A
A written modification of an insurance policy is:
A. A proof of loss
B. A condition
C. A deductible
D. An endorsement
D. An endorsement
All of the following are actions the Commissioner/Director/Superintendent
may take, after a hearing where it has been determined that a violation has been
committed by an insurance licensee, EXCEPT:
A. Issue a cease and desist order
B. Impose a fine
C. Impose criminal penalties
D. Suspend or revoke the license
C. Impose criminal penalties
All of the following are true regarding State Guaranty Associations, EXCEPT:
A. The association allows any admitted insurer to advertise that they are a
member of the Guaranty Association
B. The association does not apply a maximum limit to workers compensation claims
C. The association does not assess surplus lines companies for funding
D. The association covers the claims of admitted insurer who becomes insolvent.
A. The association allows any admitted insurer to advertise that they are a
member of the Guaranty Association
Each person who is elected or appointed as Insurance
Commissioner/Director/Superintendent:
A. Sets the premium rates for all insurers in their state.
B. Is authorized to create insurance laws in the state
C. Automatically holds a seat in the state legislature
D. Automatically becomes a member of the National Association of Insurance
Commissioners (NAIC)
D. Automatically becomes a member of the National Association of Insurance
Commissioners (NAIC)
Which of the following is a type of insurer that may conduct business in a state
without holding a certificate of authority?
,NORTH CAROLINA INSURANCE ADJUSTER EXAM
2024 2 TESTING EXAM WITH 100 QUESTIONS AND
ANSWERS EACH ALREADY GRADED A
A. A surplus lines company
B. An authorized company
, NORTH CAROLINA INSURANCE ADJUSTER EXAM
2024 2 TESTING EXAM WITH 100 QUESTIONS AND
ANSWERS EACH ALREADY GRADED A
C. A nonadmitted company
D. An admitted company
A. A surplus lines company
All of the following are duties of the Insurance
Commissioner/Director/Superintendent, EXCEPT:
A. Setting insurance rates for insurers within their state
B. Monitoring the financial solvency of insurance companies
C. Issuing licenses and certificates of authority
D. Conducting hearings on insurance matters to determine if violations have occurred.
A. Setting insurance rates for insurers within their state
A doctrine stating that if loss or damage to property occurs as a result of 2 or more
causes, and 1 cause is covered under the policy but the other cause is not covered,
the damages will likely be compensated by the insurer, is known as:
A. Coinsurance
B. Indirect loss coverage
C. Concurrent causation
D. Loss settlement
C. Concurrent causation
When an existing coverage under the policy is expanded, this is a(n):
A. Rider
B. Endorsement
C. Coverage extension
D. Additional coverage
C. Coverage extension
The most common method of risk management is:
A. The sharing of risk
B. The assumption of risk
C. The transfer of risk
D. Risk avoidance
C. The transfer of risk
Which of the following types of risk is associated with change is not insurable?
A. Fundamental risk
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