300+ Free MN Claims Adjuster Practice Questions

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What is professional liability insurance also commonly called?

Employers liability

Errors and omissions (E&O) insurance

Product liability

General liability

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2026 Statistics

Key Facts: MN Claims Adjuster Exam

70%

Passing Score

DOI

100 Q

Practice Questions

OpenExamPrep

24 hrs

CE Per Cycle

DOI

2 hrs

Exam Time

DOI

varies

Exam Fee

LicenseMap 2026

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

Sample MN Claims Adjuster Practice Questions

Try these sample questions to test your MN 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 Minnesota?

A.16 years old

B.18 years old

C.21 years old

D.25 years old

Explanation: Under Minnesota law, applicants for an adjuster license must be at least 18 years old to be eligible for licensure by the Minnesota Department of Commerce.

2Which Minnesota state agency is responsible for licensing and regulating insurance adjusters?

A.Minnesota Department of Labor

B.Minnesota Department of Commerce

C.Minnesota Attorney General's Office

D.Minnesota Secretary of State

Explanation: The Minnesota Department of Commerce is the regulatory body responsible for licensing and overseeing insurance adjusters in the state of Minnesota.

3Under Minnesota Statutes Chapter 72B, which of the following persons is required to hold an adjuster license?

A.An attorney-at-law acting in their professional capacity

B.An independent adjuster representing insurance companies

C.A person employed solely to obtain facts for a licensed adjuster

D.A person processing life insurance claims

Explanation: Under Minn. Stat. § 72B.03, a person shall not act or hold out as an independent adjuster or public adjuster unless licensed. Attorneys, fact-gathering employees, and life insurance claims processors are exempt.

4What must a Minnesota resident adjuster applicant submit as part of the licensing process?

A.Only an application form

B.Fingerprints for a criminal history record check

C.A college degree in insurance

D.Three letters of recommendation

Explanation: Under Minnesota law, an individual applying for a resident adjuster license must consent to a criminal history record check and submit a fingerprint card as part of the application process.

5What is the surety bond requirement for a public adjuster in Minnesota?

A.$5,000

B.$10,000

C.$25,000

D.$50,000

Explanation: Under Minnesota Statutes § 72B.041, a public adjuster applicant must file a surety bond of $10,000 with the Commissioner as a condition of licensure.

6Under Minnesota's Unfair Claims Practices Act (Minn. Stat. § 72A.201), within how many business days must an insurer acknowledge receipt of a claim notification?

A.5 business days

B.10 business days

C.15 business days

D.30 business days

Explanation: Under Minn. Stat. § 72A.201, subd. 4(1), an insurer must acknowledge receipt of a claim notification within 10 business days and provide all necessary claim forms and instructions, unless the claim is settled within 10 business days.

7What does the Minnesota Unfair Claims Practices Act (§ 72A.201) consider an unfair settlement practice regarding partial payments?

A.Making any partial payment

B.Making a partial payment that includes an explanation of what the payment is for

C.Making a partial payment or settlement offer that does NOT include an explanation of what it is for

D.Making any payment before the investigation is complete

Explanation: Under Minn. Stat. § 72A.201, subd. 5(1), making any partial or final payment, settlement, or offer of settlement that does not include an explanation of what the payment, settlement, or offer is for constitutes an unfair settlement practice.

8Under Minnesota law, what is a staff adjuster?

A.An independent contractor who adjusts claims for multiple insurers

B.A salaried employee of an insurance company who adjusts claims for that insurer

C.A public adjuster who works for the insured

D.A freelance catastrophe adjuster

Explanation: A staff adjuster in Minnesota is a salaried employee of an insurance company who adjusts claims on behalf of their employer. Staff adjusters are not required to obtain the same licensing as independent or public adjusters.

9What are the continuing education requirements for Minnesota resident independent adjusters?

A.No continuing education required

B.12 hours annually

C.24 hours biennially

D.48 hours biennially

Explanation: Minnesota resident independent adjusters must complete 24 hours of continuing education every two years (biennially) to maintain their license.

10Under Minn. Stat. § 72A.201, threatening cancellation or nonrenewal of a policy as an inducement to settle a claim is:

A.A standard negotiation technique

B.An unfair settlement practice

C.Permissible if the insured agrees

D.Only illegal for public adjusters

Explanation: Under Minn. Stat. § 72A.201, subd. 5(4), threatening cancellation, rescission, or nonrenewal of a policy as an inducement to settlement of a claim constitutes an unfair settlement practice.

About the MN Claims Adjuster Exam

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

Questions

100 scored questions

Time Limit

2 hours

Passing Score

70%

Exam Fee

varies (Minnesota DOI)

MN 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 MN Claims Adjuster Exam

What You Need to Know

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

Keys to Passing

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

MN 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 Minnesota 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.