300+ Free AL Claims Adjuster Practice Questions

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Question 1

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An Alabama claims adjuster determines that a total loss has occurred on a vehicle. How is the value typically determined?

By using comparable vehicle market values (comps) to determine fair market value

By the policyholder's estimate of what the car is worth

By the original purchase price of the vehicle

By the Kelly Blue Book trade-in value only

to track

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Key Facts: AL Claims Adjuster Exam

70%

Passing Score

DOI

100 Q

Practice Questions

OpenExamPrep

24 hrs

CE Per Cycle

DOI

2 hrs

Exam Time

DOI

$234

Exam Fee

LicenseMap 2026

Alabama requires claims adjusters to pass a state licensing exam covering P&C claims, policy interpretation, state insurance laws, and unfair claims settlement practices.

Sample AL Claims Adjuster Practice Questions

Try these sample questions to test your AL Claims Adjuster exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 300+ question experience with AI tutoring.

1Under Alabama Code § 27-9A-3, what is the legal definition of an 'independent adjuster'?

A.A person who sells insurance policies

B.A person who, for compensation as an independent contractor, ascertains and determines claim amounts under insurance contracts

C.A licensed attorney handling insurance litigation

D.A state employee reviewing insurance complaints

Explanation: Alabama Code § 27-9A-3 defines an independent adjuster as a person who, for compensation as an independent contractor or employee of an independent contractor, undertakes on behalf of an insurer to ascertain and determine the amount of any claim, loss, or damage payable under property, casualty, or workers' compensation insurance contracts.

2What is the minimum age requirement to obtain an independent adjuster license in Alabama?

A.16 years old

B.18 years old

C.21 years old

D.25 years old

Explanation: Alabama requires all applicants for an independent adjuster license to be at least 18 years of age. This is a fundamental eligibility requirement established by the Alabama Department of Insurance (ALDOI) for all adjuster license applicants.

3Which state agency is responsible for licensing and regulating claims adjusters in Alabama?

A.Alabama Attorney General's Office

B.Alabama Department of Insurance (ALDOI)

C.Alabama Secretary of State

D.Alabama Board of Claims Adjusters

Explanation: The Alabama Department of Insurance (ALDOI) is the state agency responsible for licensing, regulating, and overseeing all independent adjusters in Alabama. ALDOI administers the licensing examination, processes applications, and enforces compliance with Alabama insurance laws.

4What is the passing score required on the Alabama adjuster licensing examination?

A.60%

B.65%

C.70%

D.75%

Explanation: Under Alabama Administrative Code Chapter 482-1-151, a score of 70 or more out of 100 constitutes a passing grade on the Alabama adjuster licensing examination. Each question is valued with the sum equaling 100, and the total correct answers must sum to 70 or more.

5What is the examination fee per attempt for the Alabama independent adjuster exam?

A.$50

B.$75

C.$100

D.$110

Explanation: The Alabama adjuster licensing examination costs $75 per attempt, paid to the approved exam provider. This fee is non-refundable whether the candidate passes or fails. Candidates who fail twice must wait 90 days before retaking the same exam category.

6How often must Alabama independent adjusters renew their license?

A.Annually

B.Every 2 years (biennially)

C.Every 3 years

D.Every 5 years

Explanation: Alabama independent adjuster licenses must be renewed biennially (every 2 years). Individual adjusters renew based on their birth month whether born in an even or odd year. The biennial renewal fee is $80 for residents and $110 for non-residents.

7How many hours of continuing education (CE) are required for Alabama adjuster license renewal?

A.12 hours

B.20 hours

C.24 hours

D.30 hours

Explanation: Alabama requires licensed independent adjusters to complete 24 hours of continuing education every 2-year renewal period. Of these 24 hours, at least 3 hours must be in ethics. CE credits cannot be carried over to the next compliance cycle, and no course can be repeated within the same reporting period.

8Under Alabama law, which of the following lines of authority is available for independent adjusters?

A.Life and Health only

B.Property and Casualty including Workers' Compensation and Crop

C.Securities and Investments

D.Real Estate Appraisal

Explanation: Alabama offers multiple lines of authority for independent adjusters including Property & Casualty with Workers' Compensation and Crop (all-lines), Property & Casualty only, Workers' Compensation only, and Crop only. The P&C with WC and Crop license is the most comprehensive option.

9What is required under the Beason-Hammon Taxpayer and Citizen Protection Act for Alabama adjuster license applicants?

A.A college degree in insurance

B.Proof of citizenship documentation

C.A professional recommendation letter

D.Five years of adjusting experience

Explanation: Under the Beason-Hammon Taxpayer and Citizen Protection Act, Alabama requires all adjuster license applicants to verify their citizenship. Applicants must submit proof of citizenship using one of sixteen acceptable identifiers within 10 days of application. If not received, the application will be rejected and fees are non-refundable.

10What fingerprinting vendor does Alabama require for adjuster license applicants?

A.MorphoTrust USA

B.IdentoGO

C.Fieldprint

D.Pearson VUE

Explanation: Alabama requires adjuster license applicants to submit fingerprints through Fieldprint. The fingerprint results remain in the ALDOI system for only 30 days. If the application reaches the Department after 30 days, the applicant must be fingerprinted again and pay the fee again. The fingerprint fee is approximately $49.20.

About the AL Claims Adjuster Exam

The Alabama claims adjuster exam covers property and casualty insurance claims, damage assessment, policy interpretation, state insurance laws, unfair claims practices, ethics, and Alabama-specific adjuster regulations.

Questions

100 scored questions

Time Limit

2 hours

Passing Score

70%

Exam Fee

$234 (Alabama DOI)

AL Claims Adjuster Exam Content Outline

25%

Claims Process

Investigation, documentation, damage assessment, reserving, negotiation

25%

Policy Coverage

Property, casualty, auto, liability policies, coverage analysis, exclusions

20%

State Regulations

State licensing, DOI regulations, unfair claims practices, penalties

15%

Investigation

Evidence gathering, statements, fraud detection, subrogation

15%

Ethics & Practice

Professional conduct, conflicts of interest, confidentiality, CE

How to Pass the AL Claims Adjuster Exam

What You Need to Know

Passing score: 70%
Exam length: 100 questions
Time limit: 2 hours
Exam fee: $234

Keys to Passing

Complete 500+ practice questions
Score 80%+ consistently before scheduling
Focus on highest-weighted sections
Use our AI tutor for tough concepts

AL Claims Adjuster Study Tips from Top Performers

1Master property and casualty insurance policy structure and coverage

2Study your state's unfair claims settlement practices act

3Know the claims investigation process from first notice to settlement

4Understand subrogation principles and procedures

5Review state-specific adjuster licensing requirements and regulations

Frequently Asked Questions

What does the Alabama claims adjuster exam cover?

The exam covers P&C insurance claims, policy interpretation, damage assessment, state insurance regulations, unfair claims practices, and professional ethics.

What is the passing score?

Most states require 70% to pass the claims adjuster licensing exam.

How is this different from a public adjuster?

Claims adjusters work for insurance companies or independently to evaluate claims. Public adjusters work exclusively for policyholders to maximize their settlement.

What CE is required?

Most states require 24 hours of continuing education per renewal cycle for claims adjusters.