10 exam-style questions with answers and explanations, straight from our 1,030-question bank. Tap an answer to check yourself. When you're ready, take the scored version in the free practice test.
The VTAPC exam has 150 questions and runs 2 hours 30 minutes.
These 10 free VTAPC questions are organized by exam domain, so you can see how each part of the Vermont Adjuster's Property & Casualty Exam blueprint is tested. Reveal the answer and explanation under each question.
A Vermont insurer agrees that $18,000 of a fire claim is payable but disputes an additional $7,000 for code-upgrade work. The adjuster proposes withholding all payment until the insured signs a release of the entire claim. Vermont claims-settlement rules call for the adjuster to:
Correct answer: B - Pay the undisputed $18,000 without conditioning it on settlement of the disputed amount
At the time of loss, a commercial building has a replacement value of $500,000. The policy carries a $300,000 limit, an 80% coinsurance clause, and a $1,000 deductible. A covered partial loss is $100,000. Disregarding any other limitation, the payable amount is:
Correct answer: D - $74,000
A Vermont jury finds a claimant's proven damages are $120,000. The claimant is 40% negligent, and the defendants are 60% negligent in total. Ignoring costs and interest, the claimant may recover:
Correct answer: A - $72,000
An adjuster arrives at a fire-damaged restaurant. The owner reports a continuing natural-gas odor, and an exterior wall is visibly leaning. The owner asks the adjuster to enter immediately to photograph the kitchen before rain arrives. The adjuster should first:
Correct answer: C - Do not enter; obtain fire, building, or utility clearance first
An insurer must answer a liability suit immediately, but the complaint includes potentially covered negligence allegations and facts that may trigger a business-use exclusion. The investigation is incomplete. The insurer should:
Correct answer: A - Send a specific reservation-of-rights letter while continuing the defense
An owner rents a dwelling for $2,000 per month. A covered fire makes it untenantable for one month, and $300 of utilities and maintenance do not continue during that period. The applicable Dwelling Policy benefit is:
Correct answer: C - $1,700 under Coverage D - Fair Rental Value
A dinner guest trips on a loose rug in the insured's home and incurs $2,400 in emergency-room expenses. The guest has not alleged negligence or filed suit. The claim is most appropriately considered under:
Correct answer: A - Coverage F, for eligible no-fault medical expenses
While driving at night, an insured swerves to avoid a deer but never touches the animal. The car strikes a guardrail and is damaged. Under the Personal Auto Policy, this loss falls under:
Correct answer: B - Collision, because the auto struck an object
A plumbing contractor completes a water-line installation and leaves the job. Two weeks later, a defective fitting installed by the contractor fails and water damages the customer's walls and flooring. Under a standard occurrence CGL policy, the applicable classification is:
Correct answer: C - Products-completed operations, subject to its separate aggregate
A covered fire shuts down a bakery. On the morning after the loss, the insured rents a temporary kitchen to keep supplying customers. The standard BOP declarations do not modify the waiting periods. Which statement accurately applies?
Correct answer: D - Extra Expense begins immediately; Business Income waits 72 hours
The full bank has 1,020 more VTAPC questions with explanations.
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