Claims Adjuster Practice Test
Insurance claims adjusters play an important role in the insurance industry. Obtaining a license for your state is important, so we’ve outlined everything you need to know about the certification exam to help you know what to expect.
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What is a Claims Adjuster?
Claims adjusters are the people who examine property damage, auto collision, personal injury claims, and more, to determine the amount an insurance company should pay. Adjusters often conduct interviews, look at police reports, and inspect damages, among other duties. It can be a fast-paced career that has its financial rewards, and there are a number of different areas an insurance claim adjuster can work in. The key is getting the right license that lets you work in your own state and, potentially, in another state. That can be a bit daunting since the rules and regulations are different from state to state, so we’ve created this handy guide to help walk people through what they can expect as they prepare for their dream of becoming an insurance claims adjuster.
Exam Eligibility
To be eligible to take the exam, you will likely be required to have at least a high school diploma or some equivalent. Some companies prefer that you have a college degree (either a 2- or 4-year degree) in a field associated with insurance.
You may also be asked to take a 40-hour, pre-licensing course before you take the test.
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Exam Outline Review
It’s important to note that the Claims Adjuster exam will be different depending on which state you take it in, so it is important to check the regulations in your area.
Some exams will have around 150 questions, while others may only have 50-75 questions. The time limit for the exam will vary by state as well, but it generally falls between 2 and 3 hours.
The questions on the exam involve a wide range of issues adjusters may have to tackle. Here is a look at what topics you may see on your exam:
- General property and casualty insurance product knowledge
- Standard fire policy, with knowledge of basic coverages and provisions, appraisal, replacement costs, and more
- Auto liability
- Homeowner insurance coverage, including issues involving dwellings and contents
- Commercial lines coverage, which looks at property forms, commercial package policies, cargo, and more
- Inland marine, which looks at personal and commercial floaters, and commercial inland marine
- Additional coverages, such as business interruption, depreciation, deductibles, replacement costs, robbery, indemnity, damages, and more
- Terminology
- Peril
- Waiver agreement
- Valued policy
- Depreciation
- Deductible
- Subrogation
- Arbitration
- And more
- Policy provisions
- Declarations
- Insuring agreements
- Conditions
- Exclusions
- Arbitration
Registration
To register for the exam, you will most likely have to provide background information (e.g., employment history) and personal information (e.g., photo ID). Some states have other requirements, like carrying a minimum amount of adjuster insurance.
The exam fee varies by state.
Scoring
The passing score for this exam will vary slightly by state, but you will need to answer at least 70% of the questions correctly to pass.
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How to Study for the Claims Adjuster Exam
How to Study Effectively
Your success on Claims Adjuster test day depends not only on how many hours you put into preparing but also on whether you prepared the right way. It’s good to check along the way to see whether your studying is paying off. One of the most effective ways to do this is by taking Claims Adjuster practice tests to evaluate your progress. Practice tests are useful because they show exactly where you need to improve. Every time you take a free Claims Adjuster exam practice test, pay special attention to these three groups of questions:
- The questions you got wrong
- The ones you had to guess on, even if you guessed right
- The ones you found difficult or slow to work through
This will show you exactly what your weak areas are and where you need to devote more study time. Ask yourself why each of these questions gave you trouble. Was it because you didn’t understand the material? Was it because you didn’t remember the vocabulary? Do you need more repetitions on this type of question to build speed and confidence? Dig into those questions and figure out how you can strengthen your weak areas as you go back to review the material.
Answer Explanations
Additionally, many Claims Adjuster practice tests have a section explaining the answer choices. It can be tempting to read the explanation and think that you now have a good understanding of the concept. However, an explanation likely only covers part of the question’s broader context. Even if the explanation makes sense, go back and investigate every concept related to the question until you’re positive you have a thorough understanding.
Comprehend Each Topic
As you go along, keep in mind that the Claims Adjuster practice test is just that: practice. Memorizing these questions and answers will not be very helpful on the actual test because it is unlikely to have any of the same exact questions. If you only know the right answers to the sample questions, you won’t be prepared for the real thing. Study the concepts until you understand them fully, and then you’ll be able to answer any question that shows up on the test.
Strategy for Claims Adjuster Practice
When you’re ready to start taking practice tests, follow this strategy:
- Remove Limitations. Take the first test with no time constraints and with your notes and Claims Adjuster study guide handy. Take your time and focus on applying the strategies you’ve learned.
- Time Yourself. Take the second practice test “open book” as well, but set a timer and practice pacing yourself to finish in time.
- Simulate Test Day. Take any other practice tests as if it were test day. Set a timer and put away your study materials. Sit at a table or desk in a quiet room, imagine yourself at the testing center, and answer questions as quickly and accurately as possible.
- Keep Practicing. Keep taking practice tests on a regular basis until you run out of practice tests or it’s time for the actual test. Your mind will be ready for the schedule and stress of test day, and you’ll be able to focus on recalling the material you’ve learned.
FAQs
How many questions are on the Claims Adjuster exam?
The number of questions on the exam will depend on which state you take the exam in.
How long is the Claims Adjuster exam?
The time limit for this exam will vary depending on which state you take it in.
What is a passing score for the Claims Adjuster exam?
The passing score for this exam will vary depending on which state you take the exam in, but answering 70% of the questions correctly will generally get you a passing score.
How much does the Claims Adjuster exam cost?
The cost of this exam will vary depending on which state you take the exam in.
Claims Adjuster Study Guide Customer Success Stories
Our customers love the tutorial videos from Mometrix Academy that we have incorporated into our Claims Adjuster test study guide. The Claims Adjuster study guide reviews below are examples of customer experiences.I purchased this book to give me a head start on what to expect, to get ahead of the game. I appreciate the simplicity and the thoroughness of the details. I think as I continue to review the book up until classes and during the courses, I will be well prepared to pass the state test.
Claims Adjuster Study Guide – GregoryThe honest truth is this book is a wonder I have already showed it to my friends and two of us studied together. I found the book to be very precise, educational, easy to read and very simple to understand. There are many things I like about the book but the most important things is the way you underline every different topic and placed them in stanzas. Doing it that way help us as students student from getting confused and loss in a barrage of words and confusing sentences. Also the practice test that is at the end of the study and the tips will help all users of this book on the day of the final exam. Thank you very much for this book.I know I made a gamble when I purchase this book, but it turned out that I became the biggest winner of all. Please keep on helping individuals like me.
Claims Adjuster Study Guide – PansieIt was very informative, differentiated main differences between each policies, and helped me focus on the important information. The in-depth insight of commercial and residential policies really helped me obtain the info I needed. I feel like another week of the flash cards will help be pass the exam with flying colors.
Claims Adjuster Study Guide – KyleI am reading the book and I found it well written and I give it a rating of 5. It is simple to read and presents the materials concisely and simple to understand. I will recommend it to anyone who want to sit for claims adjusters exam. You cannot have it simpler than that. It is sure a great piece of work for claims adjusters exam and deserves to be called exam secret.
Claims Adjuster Study Guide – AlexanderFirst the product came very fast I was able to start studying right away. The flashcards were very easy to read and to the point. I was able to have the essential learning that is precisely for claims adjuster training.. Thanks so much I can't wait to recommend this product to my colleagues.
Claims Adjuster Study Guide – LaQueenaThis book prepares you for the big day of the exam. It tells you how to use the study guide and it has 20 test taking tips which is very helpful. It also has auto and property claims adjuster information in one book which I find very interesting, although I'm going for auto claims. The test looks very challenging but with the help of this book I am very determined that I will pass the exam.
Claims Adjuster Study Guide – CathyI really like the book, I used it to prepare for a interview. The information helped me relate to the topics and add to the interview process. The book is well written and to the point. I would recommend this to anyone in the industry.
Claims Adjuster Study Guide – WilsonAs a claims adjuster, I’m not used to leaving much to chance. I want things to be exact so I don’t make any mistakes for the company I work for and the customers I serve. When I needed to take the claims adjuster exam, I didn’t want to leave how I did up to chance either. I wanted to study the right material and know that I would do well based on what I knew about the subject. I got this study guide to help me and I’m really glad I did. I feel like this guide had all of the content I needed for the test so I set out to study it hard. It had organized sections on things like general insurance, regulations, worker’s compensation, coverages and options, abbreviations that you often see in the insurance world and so on. I felt like knowing this guide would help me on the test and I would not at all feel like there was a chance I would fail. I studied the guide long and hard and I even took to heart the test taking tips and study secrets it had to offer. My clients and customers will know when they work with me, nothing is left up to chance. I wanted this test to be the same thing and because of this study guide, it was.
Claims Adjuster Study Guide – CRThis study manual is helping me tremendously. I just printed off the test outline and am using that to study with the book. I chose this company because they came highly recommended for test exam prep.
Claims Adjuster Study Guide – TammiThe guide has been very helpful. It has been a long time since I have taken this type of test and the guide has helped me organize my study methods. Therefore I am not having to re-read the material so many times! I look forward to taking my Texas claims adjuster exam.
Claims Adjuster Study Guide – ConnieI love the book and the details it provides. It doesn’t overwhelm you with information. The Quiz is perfect.
Claims Adjuster Study Guide – BettyI am very much pleased with the simplicity of the study guide. I have been out of school for 36 years and it made learning interesting.
This book is very helpful. It goes hand in hand with the P&C class an even has a little more than the class covers. Great book overall!
Claims Adjuster Study Guide – CustomerI got this study guide to help me and I’m really glad I did. I feel like this guide had all of the content I needed for the test so I set out to study it hard. It had organized sections on things like general insurance, regulations, worker’s compensation, coverages and options, abbreviations that you often see in the insurance world and so on. I felt like knowing this guide would help me on the test and I would not at all feel like there was a chance I would fail. I studied the guide long and hard and I even took to heart the test-taking tips and study secrets it had to offer. My clients and customers will know when they work with me, nothing is left up to chance. I wanted this test to be the same thing and because of this study guide, it was
Claims Adjuster Study Guide – CustomerThe Claim Adjuster Guide has been a huge help in preparing for the adjuster exam. I highly recommend the guide. The guide explains the policy without all of the legal jargon, which makes the material easier to understand. I would also suggest the study cards too.
It is simple to read and presents the materials concisely and simple to understand. I will recommend it to anyone who wants to sit for claims adjusters exam. You cannot have it simpler than that. It is sure a great piece of work for claims adjusters exam and deserves to be called exam secret.