100+ Free AMF Claims Adjuster (Quebec) Practice Questions

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2026 Statistics

Key Facts: AMF Claims Adjuster (Quebec) Exam

110

Official MCQs (full sector)

AMF evaluation tables

60%

Pass Score per Exam

AMF Claims Adjustment Examinations

2 years

Exam Validity

AMF

100

Free Practice Questions

OpenExamPrep

AMF Quebec claims adjuster path: four competency MCQ exams for the full sector (110 questions total; 60% each; 2-year validity), then probation. This free bank has 100 practice questions weighted to 05-115, 05-511, 05-512, and 05-513 evaluation tables.

Sample AMF Claims Adjuster (Quebec) Practice Questions

Try these sample questions to test your AMF Claims Adjuster (Quebec) exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 100+ question experience with AI tutoring.

1What is the primary mandate of the Autorité des marchés financiers (AMF) regarding claims adjusters in Québec?

A.To regulate and supervise the distribution of financial products and services, including claims adjustment, to protect the public.

B.To set premium rates for all damage insurance products sold in Québec.

C.To represent the commercial interests of independent adjusting firms.

D.To adjudicate every disputed insurance claim between insurers and insureds.

Explanation: The AMF is Québec’s financial-markets regulator. Under the Act respecting the distribution of financial products and services, it oversees certification and conduct of claims adjusters to protect the public. It does not set premiums, act as a trade association, or decide every claim dispute.

2Under the Act respecting the distribution of financial products and services, which statement best describes who may act as a claims adjuster in Québec?

A.Anyone employed by an insurer may adjust claims without certification.

B.A person must hold a valid AMF certificate authorizing practice in the claims adjustment sector or an applicable sector class, subject to statutory exceptions.

C.Only lawyers called to the Québec Bar may settle insurance claims.

D.A federal adjuster licence automatically authorizes practice in every Québec sector.

Explanation: Claims adjustment is a regulated activity in Québec. Practitioners generally need an AMF certificate for the claims adjustment sector or a sector class (personal-lines or commercial-lines), with limited statutory exceptions. Employment alone or an out-of-province licence is not enough.

3A candidate seeking the full claims adjustment sector must pass which set of AMF competency examinations?

A.03-114, 03-411, 03-412, and 03-413 only

B.05-511 and 05-512 only

C.05-115, 05-511, 05-512, and 05-513

D.A single combined 110-question paper covering all lines

Explanation: AMF publishes four competencies for the full claims adjustment sector: 05-115 (law and rules for adjusters), 05-511 (personal property claims), 05-512 (automobile claims), and 05-513 (commercial property and liability claims). Damage-insurance representative codes (03-xxx) are a different pathway.

4According to AMF examination rules for claims adjustment, what score is required to pass each prescribed examination?

A.50%

B.55%

C.70%

D.60%

Explanation: AMF states that a candidate must score at least 60% to pass each examination prescribed for claims adjustment. Each exam is scored separately.

5How long does a passed AMF claims-adjustment examination remain valid for starting the probationary period?

A.Two years from the pass date

B.Six months from the pass date

C.One year from the pass date

D.Indefinitely once the exam is passed

Explanation: AMF states an examination is valid for two years from the date it is passed. All required examinations must still be valid when the probationary period begins.

6Which Civil Code of Québec concept is central when interpreting a damage insurance contract?

A.Insurance contracts are interpreted solely against the insured in every ambiguity

B.The contract is a nominate contract of insurance with specific formation, disclosure, and indemnity rules in the Civil Code

C.Québec damage insurance is governed only by common-law precedents from other provinces

D.Civil Code insurance articles apply only to life insurance, not damage insurance

Explanation: Québec damage insurance contracts are governed by the Civil Code of Québec provisions on insurance. Adjusters must apply those rules on formation, representations, warranties, coverage, and indemnity rather than transplanting common-law doctrines wholesale.

7Under Québec private-sector privacy law relevant to claims files, what must a claims adjuster generally do when collecting personal information from a claimant?

A.Publish claim details on a public bulletin so other insurers can screen fraud

B.Share full medical files with any third-party vendor without restriction

C.Collect only information that is necessary for the stated purposes and handle it in accordance with applicable privacy rules

D.Retain personal information indefinitely with no purpose limitation

Explanation: The Act respecting the protection of personal information in the private sector requires that collection be limited to what is necessary for identified purposes and that information be used, disclosed, and retained consistently with those rules. Claims files contain sensitive personal data.

8Under Québec’s Automobile Insurance Act framework for bodily injury, which statement is most accurate for adjusters?

A.All auto bodily injury claims in Québec are settled exclusively through private tort litigation against the at-fault driver

B.SAAQ covers only commercial fleet vehicles, never private passenger autos

C.Private insurers never pay any automobile-related indemnity in Québec

D.A public no-fault compensation scheme administered through SAAQ generally covers bodily injury arising from automobile accidents, while property damage follows different rules

Explanation: Québec’s Automobile Insurance Act establishes a public no-fault regime (SAAQ) for bodily injury from auto accidents. Private auto insurance remains central for property damage and certain coverages, often interacting with the Direct Compensation Agreement.

9In a damage insurance contract, which party is primarily the insured for purposes of coverage analysis?

A.The person or entity designated as the insured (and others who may qualify as insureds under the policy wording)

B.Any person who happens to witness the loss

C.Only the broker who placed the risk

D.Only the mortgagee named on a loss-payable clause

Explanation: Coverage analysis starts with who is an insured under the policy—named insureds and others defined as insureds by wording. Witnesses, brokers, or loss-payees are not automatically “the insured” for all coverages.

10Which element is essential to a valid damage insurance contract under general Québec insurance-contract principles?

A.A verbal handshake with no need to identify the risk

B.An insurable interest, consent of the parties, a determinate risk, and premium (or agreement on premium)

C.Automatic coverage for every possible future peril without policy terms

D.A court order creating the policy before any application

Explanation: A damage insurance contract requires the classic elements: parties’ consent, an insurable interest, a risk that can be defined, and premium (or agreement on how premium is set), expressed through policy terms. Coverage is not unlimited or automatic for every conceivable peril.

About the AMF Claims Adjuster (Quebec) Exam

Québec AMF claims adjustment (expert en sinistre) competency examinations for the claims adjustment sector and its personal-lines or commercial-lines sector classes. Candidates must pass prescribed MCQ exams (60% each; valid two years), complete a supervised probationary period (12 weeks full sector; 6 weeks for a sector class), then apply for an AMF representative's certificate.

Assessment

Separate AMF computer-based MCQ exams by competency. Full sector requires 05-115 (law/ethics), 05-511 (personal property), 05-512 (auto), and 05-513 (commercial property/liability). Sector classes use three of the four. Prep manuals: A-135, F-511, F-512, F-513.

Time Limit

5.0 hours total across four sittings (60 + 60 + 60 + 120 minutes)

Passing Score

60% per examination

Exam Fee

AMF authorization + per-sitting registration (CPI-indexed; confirm current AMF tariff). Older public guides cited ~CAD $67 authorization and ~CAD $135 per exam form. (Autorité des marchés financiers (AMF))

AMF Claims Adjuster (Quebec) Exam Content Outline

20%

Law And Ethics Claims Adjusters

05-115: Civil Code damage insurance, privacy, Automobile Insurance Act features, adjuster ethics and ADFPS practice rules (20Q / 60 min official).

25%

Personal Property Claims

05-511: Habitational claim typing, eligibility, valuation/settlement, and claimant assistance (25Q / 60 min official).

25%

Automobile Claims

05-512: Personal and commercial auto investigation, eligibility, valuation, DCA/fault context, claims database, claimant assistance (25Q / 60 min official).

30%

Commercial Property Liability Claims

05-513: Commercial property and civil liability typing, liability/subrogation, eligibility, settlement, and assistance (40Q / 120 min official; 30 practice items).

How to Pass the AMF Claims Adjuster (Quebec) Exam

What You Need to Know

Passing score: 60% per examination
Assessment: Separate AMF computer-based MCQ exams by competency. Full sector requires 05-115 (law/ethics), 05-511 (personal property), 05-512 (auto), and 05-513 (commercial property/liability). Sector classes use three of the four. Prep manuals: A-135, F-511, F-512, F-513.
Time limit: 5.0 hours total across four sittings (60 + 60 + 60 + 120 minutes)
Exam fee: AMF authorization + per-sitting registration (CPI-indexed; confirm current AMF tariff). Older public guides cited ~CAD $67 authorization and ~CAD $135 per exam form.

Keys to Passing

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

AMF Claims Adjuster (Quebec) Study Tips from Top Performers

1Study from the AMF evaluation tables for 05-115, 05-511, 05-512, and 05-513—question counts track those weightings.

2Use the AMF manuals (A-135, F-511, F-512, F-513) and current addenda; several property/auto manuals are French-primary.

3Watch the E-145 ethics manual update mapped to competency 05-125 (published June 2026; exam changes effective January 5, 2027)—confirm live AMF tables before that date.

4Drill eligibility scenarios: coverage/endorsements first, then investigation legitimacy, then indemnity math (deductibles, ACV/RC, coinsurance).

5For auto, separate SAAQ bodily-injury no-fault concepts from private property-damage / Direct Compensation and FPQ Section B collision handling (including unidentified-vehicle losses).

Frequently Asked Questions

What is the passing score for AMF claims adjustment examinations?

You must score at least 60% on each prescribed AMF competency examination.

Which exams are required for the full claims adjustment sector?

Competencies 05-115, 05-511, 05-512, and 05-513 (110 MCQs total across four sittings).

How long are passed AMF claims exams valid?

Each examination is valid for two years from the date passed; all must be valid when you start the probationary period.

Who administers the Quebec claims adjuster exams?

The Autorité des marchés financiers (AMF) administers the competency examinations and certification process.