300+ Free ID Claims Adjuster Practice Questions

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Question 1

Score: 0/0

What is the purpose of the Hired Auto Physical Damage coverage?

To cover only employee vehicles

To cover damage to hired, rented, or leased autos that the insured is contractually obligated to insure

To eliminate deductibles

To cover liability for rental cars

to track

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2026 Statistics

Key Facts: ID Claims Adjuster Exam

70%

Passing Score

DOI

100 Q

Practice Questions

OpenExamPrep

24 hrs

CE Per Cycle

DOI

2 hrs

Exam Time

DOI

$206

Exam Fee

LicenseMap 2026

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

Sample ID Claims Adjuster Practice Questions

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

1What is the minimum age requirement to obtain an insurance adjuster license in Idaho?

A.16 years old

B.18 years old

C.21 years old

D.25 years old

Explanation: Idaho requires applicants for an insurance adjuster license to be at least 18 years of age. This is a standard requirement across most states.

2Which department oversees insurance adjuster licensing in Idaho?

A.Idaho Department of Commerce

B.Idaho Department of Insurance

C.Idaho Department of Finance

D.Idaho Bureau of Licensing

Explanation: The Idaho Department of Insurance (IDOI) oversees all insurance licensing in the state, including adjuster licenses. They are located in Boise and can be reached at (208) 334-4250.

3What is the passing score required on the Idaho insurance adjuster licensing exam?

A.60%

B.65%

C.70%

D.75%

Explanation: Idaho requires a minimum passing score of 70% on the state insurance adjuster licensing exam. The exam is administered through Pearson VUE Testing Centers.

4How many hours of continuing education (CE) are required for Idaho resident adjuster license renewal?

A.12 hours every year

B.18 hours every 2 years

C.24 hours every 2 years

D.30 hours every 3 years

Explanation: Idaho resident adjusters must complete 24 hours of continuing education every two years. This must include at least 3 hours of Ethics CE.

5How many hours of the Idaho adjuster CE requirement must be in Ethics?

A.1 hour

B.2 hours

C.3 hours

D.5 hours

Explanation: Of the 24 hours of continuing education required every two years for Idaho adjusters, at least 3 hours must specifically cover Ethics.

6What is the license renewal period for an Idaho independent adjuster license?

A.Annually

B.Every 2 years

C.Every 3 years

D.Every 5 years

Explanation: Idaho independent adjuster licenses are valid for two years and expire on the last day of the licensee's birth month. Renewal can be completed electronically through NIPR.

7What is the application fee for an Idaho resident independent adjuster license?

A.$40

B.$60

C.$80

D.$100

Explanation: The application fee for a resident independent adjuster license in Idaho is $80, payable at the time of application submission.

8Under Idaho Code Title 41, which of the following is exempt from the adjuster licensing requirement?

A.An independent contractor adjusting claims for multiple insurers

B.A public adjuster representing policyholders

C.A salaried employee of an authorized insurer adjusting losses for that insurer

D.A freelance adjuster working on catastrophe claims

Explanation: Under Idaho law, salaried employees of an authorized insurer (or group of insurers under common control or ownership) who adjust losses for their employer are exempt from the independent adjuster licensing requirement.

9What is the surety bond requirement for public adjusters in Idaho?

A.$5,000

B.$10,000

C.$20,000

D.$50,000

Explanation: Idaho requires public adjusters to obtain and maintain either a surety bond or an irrevocable letter of credit in the amount of $20,000.

10Are staff adjusters (salaried employees of an insurance company) required to be licensed in Idaho?

A.Yes, all adjusters must be licensed

B.No, staff adjusters are exempt from licensing

C.Yes, but only if they handle claims over $10,000

D.Only if they handle catastrophe claims

Explanation: Idaho does not require staff adjusters (salaried employees of an insuring company) to be licensed. The licensing requirement applies to independent adjusters and public adjusters.

About the ID Claims Adjuster Exam

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

Questions

100 scored questions

Time Limit

2 hours

Passing Score

70%

Exam Fee

$206 (Idaho DOI)

ID 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 ID Claims Adjuster Exam

What You Need to Know

Passing score: 70%
Exam length: 100 questions
Time limit: 2 hours
Exam fee: $206

Keys to Passing

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

ID 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 Idaho 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.