Free Practice Questions for MS Claims Adjuster

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Exam Review

Key Facts: MS 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

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

Sample MS Claims Adjuster Practice Questions

Try these sample questions to review concepts for the MS Claims Adjuster exam. Each question includes a detailed explanation. Start the interactive quiz above for the full 360+ question experience with AI tutoring.

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

A.16 years old

B.18 years old

C.21 years old

D.25 years old

Explanation: Under Mississippi law, applicants for an adjuster license must be at least 18 years old. For public adjusters, the minimum age is 21 years old under certain regulations.

2Which Mississippi state agency is responsible for regulating insurance adjusters?

A.Mississippi Department of Labor

B.Mississippi Insurance Department (MID)

C.Mississippi Attorney General's Office

D.Mississippi Secretary of State

Explanation: The Mississippi Insurance Department (MID), headed by the Commissioner of Insurance, is responsible for licensing and regulating insurance adjusters in the state.

3Under Mississippi Code § 83-17-401, which of the following persons is excluded from the definition of 'adjuster'?

A.An independent contractor who adjusts claims for insurers

B.A salaried employee of an insurer regularly engaged in claim adjustment

C.A public adjuster representing policyholders

D.A freelance catastrophe adjuster

Explanation: Under Miss. Code Ann. § 83-17-401(a)(ii), a salaried employee of an insurer who is regularly engaged in the adjustment, investigation, or supervision of insurance claims is excluded from the definition of 'adjuster' requiring licensure.

4What pre-licensing education requirement must Mississippi adjuster applicants complete?

A.No pre-licensing education required

B.20 hours of pre-licensing education from an approved course

C.40 hours of pre-licensing education

D.A bachelor's degree in insurance

Explanation: Mississippi requires adjuster applicants to complete 20 hours of pre-licensing education from an approved adjusters course, or demonstrate sufficient experience or training to be competent in the role.

5What is the surety bond or E&O insurance requirement for a public adjuster in Mississippi?

A.$10,000

B.$25,000

C.$50,000

D.$100,000

Explanation: Public adjusters in Mississippi must provide an active $50,000 surety bond or Errors & Omissions (E&O) insurance policy to the Mississippi Insurance Department as a condition of licensure.

6How often must a Mississippi resident adjuster license be renewed?

A.Annually

B.Every two years (biennially)

C.Every three years

D.Every five years

Explanation: Mississippi adjuster licenses must be renewed every two years before the expiration date. The expiration date is set as the last day of the licensee's birth month.

7What are the continuing education requirements for Mississippi resident adjusters?

A.No CE required

B.12 hours annually

C.24 hours biennially, including 3 hours of ethics

D.48 hours biennially

Explanation: Mississippi resident adjusters must complete 24 hours of continuing education every two years, including 3 hours of ethics coursework.

8Mississippi is notable among US states for what characteristic regarding its claims handling statutes?

A.It has the strongest Unfair Claims Settlement Practices Act in the country

B.It has not adopted the Model Unfair Claims Settlement Practices Act

C.It requires the most continuing education of any state

D.It does not require adjuster licensing

Explanation: Mississippi has not adopted the Model Unfair Claims Settlement Practices Act. It is one of the few states without comprehensive statutory provisions governing fair claims handling, though courts allow bad faith cases.

9What is the Mississippi Windstorm Underwriting Association (MWUA)?

A.A private insurance company

B.A state-created insurer of last resort providing wind and hail insurance for coastal areas

C.A trade organization for adjusters

D.A federal flood insurance program

Explanation: The Mississippi Windstorm Underwriting Association (MWUA), also known as the 'wind pool,' is a statutorily created insurer of last resort providing wind and hail insurance for property owners in Mississippi's six coastal counties who cannot obtain coverage in the regular market.

10Under Mississippi law, which counties are included in the MWUA 'Coast Area'?

A.Only Harrison County

B.Hancock, Harrison, and Jackson Counties only

C.Hancock, Harrison, Jackson, Pearl River, Stone, and George Counties

D.All counties south of Interstate 20

Explanation: The MWUA 'Coast Area' includes all territory in Hancock, Harrison, Jackson, Pearl River, Stone, and George Counties, as defined in Mississippi Code § 83-34-1(f).

About the MS Claims Adjuster Exam

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

Exam sponsor: Mississippi DOI. The requirements and fees below concern the certification or admission exam, separate from our free practice resources.

Questions

100 questions

Time Limit

2 hours

Passing Score

70%

Exam / Certification Fees

varies

Exam sponsor website

Reported exam pass rate: 65%. estimated first-time pass rate This describes exam candidates, not OpenExamPrep users or results from using our resources. Exam sponsor website

Fees, eligibility, and exam policies can change. Confirm them with the exam sponsor before applying or paying.

Official sources

Mississippi DOI: official exam information

Our practice resources: topics covered

We aim to reflect publicly available exam outlines and topic information in our study resources. Coverage, format, and difficulty may differ from the actual exam, and we cannot guarantee that every detail is accurate or current. Confirm exam requirements, fees, and policies with the official exam sponsor.

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

Preparing for the MS Claims Adjuster Exam

What You Need to Know

Passing score: 70%
Exam length: 100 questions
Time limit: 2 hours
Exam / certification fees: varies Official sources

Using Our Practice Resources

Work through all 360 available questions
Review every answer and explanation
Track weak areas and revisit them
Use our AI tutor for tough concepts

MS Claims Adjuster: Suggested Study Strategy

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 Mississippi 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.

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