300+ Free MT Claims Adjuster Practice Questions

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What is the purpose of the Fellow Employee or Fellow Servant exclusion?

To cover all employee injuries

To cover only temporary employees

To provide additional employee coverage

To exclude coverage for bodily injury to employees of the insured (covered by workers compensation)

to track

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2026 Statistics

Key Facts: MT Claims Adjuster Exam

70%

Passing Score

DOI

100 Q

Practice Questions

OpenExamPrep

24 hrs

CE Per Cycle

DOI

2 hrs

Exam Time

DOI

$139

Exam Fee

LicenseMap 2026

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

Sample MT Claims Adjuster Practice Questions

Try these sample questions to test your MT 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 Montana?

A.16 years old

B.18 years old

C.21 years old

D.25 years old

Explanation: Under Montana Code Annotated § 33-17-301(2)(a), an applicant for an individual adjuster license must be at least 18 years of age.

2Which Montana agency regulates insurance adjusters?

A.Montana Department of Labor

B.Montana Commissioner of Securities and Insurance (CSI)

C.Montana Attorney General's Office

D.Montana Secretary of State

Explanation: The Montana Commissioner of Securities and Insurance (CSI), also known as the State Auditor's office, is responsible for licensing and regulating insurance adjusters in Montana.

3Under MCA § 33-17-301, a person may NOT act as or purport to be an adjuster unless:

A.They have at least 5 years of experience

B.They hold an adjuster license issued by the Commissioner

C.They are employed by an insurance company

D.They have a college degree in insurance

Explanation: Under MCA § 33-17-301(1), a person may not act as or purport to be an adjuster in Montana unless the person holds an adjuster license. Applicants must apply to the Commissioner and meet qualification requirements.

4Which of the following is NOT exempt from adjuster licensing in Montana?

A.Licensed attorneys qualified to practice law in Montana

B.Salaried employees of an insurer or managing general agent

C.Independent contractors adjusting claims for multiple insurers

D.Licensed insurance producers adjusting losses under policies they service

Explanation: Under MCA § 33-17-102(1)(b), independent contractors who adjust claims for insurers are required to hold an adjuster license. Attorneys, salaried insurer employees, and licensed producers with adjuster authority are exempt.

5What surety bond amount is required for a public adjuster in Montana?

A.$2,000

B.$5,000

C.$10,000

D.$20,000

Explanation: Under Montana law, public adjusters must post a surety bond of $5,000 as a condition of licensure.

6What are the continuing education requirements for Montana resident adjusters?

A.No CE required

B.12 hours annually

C.24 hours biennially, including 3 hours of ethics and 1 hour of Montana legislative updates

D.48 hours biennially

Explanation: Montana resident adjusters must complete 24 hours of continuing education every two years, including 3 hours of ethics and at least 1 hour of legislative changes in Montana insurance statutes and administrative rules.

7Under MCA § 33-18-201, which of the following is an unfair claim settlement practice in Montana?

A.Conducting a thorough investigation before paying a claim

B.Misrepresenting pertinent facts or insurance policy provisions relating to coverages at issue

C.Requesting additional documentation from the insured

D.Offering a settlement based on a thorough investigation

Explanation: MCA § 33-18-201(1) specifically lists misrepresenting pertinent facts or insurance policy provisions relating to coverages at issue as an unfair claim settlement practice when done with frequency indicating a general business practice.

8Under Montana's Unfair Claims Settlement Practices Act (MCA § 33-18-201), failing to acknowledge and act reasonably promptly upon claim communications is:

A.Standard practice during busy periods

B.An unfair claim settlement practice

C.Only a concern for large claims

D.Not addressed in Montana law

Explanation: MCA § 33-18-201(2) lists failing to acknowledge and act reasonably promptly upon communications with respect to claims arising under insurance policies as an unfair claim settlement practice.

9Under MCA § 33-18-201, what must accompany claims payments to insureds or beneficiaries?

A.Only a check

B.Statements setting forth the coverage under which the payments are being made

C.A marketing brochure

D.Only the adjuster's business card

Explanation: MCA § 33-18-201(10) requires that claims payments to insureds or beneficiaries be accompanied by statements setting forth the coverage under which the payments are being made.

10Under Montana law (MCA § 33-18-201), an insurer may NOT compel insureds to institute litigation by:

A.Offering a fair settlement

B.Offering substantially less than the amounts ultimately recovered in actions brought by the insureds

C.Denying a clearly excluded claim

D.Requesting proof of loss

Explanation: MCA § 33-18-201(7) prohibits compelling insureds to institute litigation to recover amounts due under an insurance policy by offering substantially less than the amounts ultimately recovered in actions brought by the insureds.

About the MT Claims Adjuster Exam

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

Questions

100 scored questions

Time Limit

2 hours

Passing Score

70%

Exam Fee

$139 (Montana DOI)

MT 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 MT Claims Adjuster Exam

What You Need to Know

Passing score: 70%
Exam length: 100 questions
Time limit: 2 hours
Exam fee: $139

Keys to Passing

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

MT 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 Montana 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.