410+ Free SC Claims Adjuster Practice Questions

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2026 Statistics

Key Facts: SC 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

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

Sample SC Claims Adjuster Practice Questions

Try these sample questions to test your SC Claims Adjuster exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 410+ question experience with AI tutoring.

1Under South Carolina Code § 38-91-20(A) (Act 209 of 2026), who must be licensed as an adjuster in South Carolina?

A.Only independent contractors

B.Any individual adjusting losses for an insurer licensed to do business in the state

C.Only public adjusters

D.Only out-of-state adjusters

Explanation: S.C. Code § 38-91-20(A) (added by Act 209, eff. May 19, 2026, repealing former Chapter 47) provides that no individual may act or hold himself out as an adjuster in this State unless licensed as an adjuster or qualifying for a statutory exemption. The Director must find good moral character, sufficient insurance knowledge, no insurance-law violations, and fitness for the position.

2Which South Carolina agency regulates insurance adjusters?

A.South Carolina Department of Commerce

B.South Carolina Department of Insurance (SCDOI)

C.South Carolina Attorney General's Office

D.South Carolina Department of Revenue

Explanation: The South Carolina Department of Insurance (SCDOI) regulates insurance adjusters. The Director of Insurance (or designee) has authority over adjuster licensing, examinations, and disciplinary actions under Title 38, Chapter 47.

3What chapter of the South Carolina Code of Laws now governs insurance adjusters after Act 209 of 2026?

A.Title 38, Chapter 45

B.Title 38, Chapter 91

C.Title 38, Chapter 49

D.Title 38, Chapter 51

Explanation: Act 209 of 2026 (S.196, effective May 19, 2026) added Title 38, Chapter 91 (Insurance Adjusters) and repealed former Chapter 47. Public adjusters are governed by new Chapter 92 (repealing former Chapter 48).

4What qualifications must the Director of Insurance satisfy before issuing an adjuster's license in South Carolina under § 38-91-20?

A.Only that the applicant has paid the fee

B.That the applicant is of good moral character, has sufficient insurance knowledge, has not violated insurance laws, and is fit and proper

C.Only that the applicant has work experience

D.Only that the applicant has a college degree

Explanation: Under S.C. Code § 38-91-20(A), the Director must satisfy that each applicant is of good moral character, has sufficient knowledge of the insurance business and adjuster duties, has not violated insurance laws of this State, and is a fit and proper individual. Additional resident requirements (age 18, exam, fingerprints/background check) appear in § 38-91-60.

5Under S.C. Code § 38-91-20(A), can a license be issued to a nonresident adjuster from a state that refuses to license South Carolina adjusters?

A.Yes, all nonresidents are licensed equally

B.No, no license may be issued to a nonresident adjuster who resides in a state refusing to license South Carolina adjusters

C.Only with special permission

D.Only on a temporary basis

Explanation: S.C. Code § 38-91-20(A) retains the retaliatory rule: no license may be issued to a nonresident adjuster who resides in a state refusing to license South Carolina adjusters. Reciprocal nonresident licensing is further detailed in § 38-91-50.

6What is the minimum age to apply for an adjuster's license in South Carolina?

A.16 years old

B.18 years old

C.21 years old

D.25 years old

Explanation: South Carolina requires adjuster license applicants to be at least eighteen (18) years old. This is a standard eligibility requirement consistent with most states.

7What is the individual adjuster license fee under S.C. Code § 38-91-20(E), and when must licenses be renewed?

A.$50, renewed annually

B.$100 for an individual adjuster license, renewed biennially by August 31 of odd-numbered years

C.$150, renewed every three years

D.$200, renewed in January of even years

Explanation: Act 209 set the individual adjuster license fee at $100 and the business-entity adjuster license fee at $50 (§ 38-91-20(E)). Under § 38-91-100(A), renewal requirements must be met by August 31 of each odd-numbered year on a biennial cycle. (Former $80 retaliatory fee language under repealed Chapter 47 no longer controls the statutory fee.)

8Under S.C. Code § 38-91-70, what must most adjuster applicants do to demonstrate sufficient knowledge?

A.Submit a resume only

B.Pass a written examination testing adjuster duties and South Carolina insurance laws and regulations

C.Complete an apprenticeship only

D.Provide three professional references only

Explanation: § 38-91-70 requires an individual applying for an adjuster license to pass a written examination (unless exempt under § 38-91-80) testing knowledge of adjuster duties/responsibilities and SC insurance laws and regulations. The Director may contract with outside testing services (currently Pearson VUE) to administer exams.

9Under S.C. Code § 38-91-80(B) (Act 209 of 2026), which professional designation exempts an adjuster applicant from the written examination?

A.MBA or JD alone

B.Chartered Property and Casualty Underwriter (CPCU)

C.CPA or CFA

D.Any insurance industry certification

Explanation: § 38-91-80(B) provides that an adjuster applicant holding a CPCU designation is not required to pass a written examination prior to licensure. Act 209 did not carry forward the former Regulation 69-23 CLU exam exemption for adjusters; other exemptions in § 38-91-80 include certain relocating resident adjusters and director-prescribed exemptions.

10What passing score is required on the South Carolina adjuster licensing examination?

A.60 points

B.65 points

C.70 points

D.75 points

Explanation: Under SC Regulation 69-23 (as applicable under § 38-91-70) (exam administration rules that remain subject to the Director's authority under § 38-91-70)(D), applicants must score at least seventy (70) points on the examination to pass. Successful applicants receive a certificate valid for twelve months, upon which they can apply for licensure.

About the SC Claims Adjuster Exam

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

Questions

100 scored questions

Time Limit

2 hours

Passing Score

70%

Exam Fee

varies (South Carolina DOI)

SC 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 SC 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

SC 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 South Carolina 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.

410+ Free SC Claims Adjuster Practice Questions

South Carolina Claims Adjuster

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