300+ Free NM Claims Adjuster Practice Questions

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What is the purpose of the Electronic Data Liability coverage?

To cover liability for damage to electronic data of others

To cover only physical damage to computers

To eliminate all data coverage

To cover all computer hardware

to track

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2026 Statistics

Key Facts: NM 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

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

Sample NM Claims Adjuster Practice Questions

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

1Under New Mexico law (NMSA 59A-13-4), what is the minimum age requirement to obtain a claims adjuster license?

A.16 years old

B.18 years old

C.21 years old

D.25 years old

Explanation: Under NMSA 59A-13-4, an applicant for an adjuster license in New Mexico must be not less than 18 years of age.

2What bond amount is required for independent adjusters and public adjusters in New Mexico?

A.$5,000

B.$10,000

C.$25,000

D.$50,000

Explanation: New Mexico requires independent adjusters and public adjusters to post a surety bond with a coverage value of $10,000, executed by a New Mexico admitted surety.

3Which state agency oversees insurance adjuster licensing in New Mexico?

A.New Mexico Department of Financial Services

B.New Mexico Office of Superintendent of Insurance (OSI)

C.New Mexico Insurance Commission

D.New Mexico Department of Commerce

Explanation: The New Mexico Office of Superintendent of Insurance (OSI) oversees all insurance licensing, including adjuster licenses, in the state.

4Under NMSA 59A-13-3.1, what must an individual do before being issued an adjuster license in New Mexico?

A.Complete a mandatory pre-licensing course

B.Personally take and pass a written examination

C.Obtain a recommendation from a licensed insurer

D.Complete a 6-month apprenticeship

Explanation: Under NMSA 59A-13-3.1, an individual applying for an adjuster license must personally take and pass a written examination testing knowledge of the duties and responsibilities of an adjuster and the insurance laws and rules of New Mexico.

5What are the three types of adjuster licenses available in New Mexico?

A.Fire, Auto, and Life adjusters

B.Staff adjusters, independent adjusters, and public adjusters

C.Property, Casualty, and Workers' Compensation adjusters

D.Resident, non-resident, and temporary adjusters

Explanation: New Mexico recognizes three types of adjuster licenses: staff adjusters (employed by insurers), independent adjusters (contracted by insurers), and public adjusters (hired by policyholders to represent their interests).

6Which of the following is NOT a requirement for staff adjusters in New Mexico that applies to other adjuster types?

A.Being at least 18 years old

B.Posting a surety bond

C.Passing the licensing examination

D.Demonstrating good character

Explanation: Under NMSA 59A-13-4(B), the bond requirement (Paragraph 5 of Subsection A) does not apply to staff adjusters. Staff adjusters are employed directly by insurance companies and are exempt from the bond requirement.

7What is required for a non-resident adjuster to obtain a license in New Mexico?

A.Only a completed application and fee payment

B.Hold a home state license in good standing and be from a state that grants reciprocity to NM residents

C.Pass the NM state exam regardless of home state license

D.Complete a NM-specific pre-licensing course

Explanation: Non-resident adjusters must hold a home state license in good standing, submit the proper request and fees, and be from a state that awards non-resident licenses to NM residents on the same basis.

8What fingerprint requirement exists for New Mexico resident adjuster applicants?

A.Fingerprints are optional and only recommended

B.Applicants must submit fingerprints electronically for a state and federal criminal background check

C.Only public adjuster applicants need fingerprints

D.Fingerprints are only required for non-resident applicants

Explanation: New Mexico requires all resident insurance license applicants, including adjusters, to submit fingerprints electronically for a criminal history background check prior to licensing.

9Under 13.4.8.9 NMAC, how must individual adjuster applications be submitted in New Mexico?

A.Only by mail

B.Only in person at the OSI office

C.Electronically or as otherwise directed by the superintendent

D.Through an insurance company sponsor

Explanation: Under 13.4.8.9 NMAC, individual adjuster applicants must submit their application electronically or as otherwise directed by the superintendent.

10What is the licensing fee for a New Mexico adjuster license?

A.$15

B.$30

C.$50

D.$75

Explanation: The licensing fee for a New Mexico adjuster license is $30, as set forth in Section 59A-6-1 NMSA 1978.

About the NM Claims Adjuster Exam

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

Questions

100 scored questions

Time Limit

2 hours

Passing Score

70%

Exam Fee

varies (New Mexico DOI)

NM 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 NM 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

NM 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 New Mexico 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.