300+ Free SC Claims Adjuster Practice Questions

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Question 1

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Under the Severability of Insurance condition, how are multiple insureds treated?

All insureds are treated as one person

Only the first named insured has rights

Coverage is always shared equally

Each insured is considered to have separate coverage; acts of one insured do not necessarily void coverage for others

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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 300+ question experience with AI tutoring.

1Under South Carolina Code § 38-47-10(A), 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 § 38-47-10(A) requires that every individual commonly called an adjuster, adjusting losses for an insurer licensed to do business in South Carolina, must be licensed by the Director or designee.

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 governs insurance adjusters?

A.Title 38, Chapter 45

B.Title 38, Chapter 47

C.Title 38, Chapter 49

D.Title 38, Chapter 51

Explanation: Title 38, Chapter 47 of the South Carolina Code of Laws details the definitions and mandates for insurance adjusters who practice business in South Carolina, including licensing requirements, qualifications, and conduct standards.

4What qualifications must the Director of Insurance satisfy before issuing an adjuster's license in South Carolina?

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 § 38-47-10(A), the Director must satisfy that each applicant: is of good moral character, has sufficient knowledge of the insurance business and their duties as an adjuster, has not violated insurance laws, and is a fit and proper individual.

5Under S.C. Code § 38-47-10(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 § 38-47-10(A) includes a retaliatory provision: no license may be issued to a nonresident adjuster who resides in a state that refuses to license South Carolina adjusters. This reciprocity requirement protects SC adjusters' ability to work across state lines.

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 license renewal fee for South Carolina adjusters, and when are licenses renewed?

A.$50, renewed annually

B.$80 (minimum, subject to retaliatory fees), renewed in August of odd-numbered years

C.$150, renewed every three years

D.$200, renewed in January of even years

Explanation: South Carolina adjuster licenses are renewed in August of odd-numbered years with a base fee of $80. However, the fee is retaliatory — if an adjuster's home state charges more than $80, South Carolina will charge the same amount that home state charges SC adjusters.

8Under SC Regulation 69-23, what must adjuster applicants do to demonstrate sufficient knowledge?

A.Submit a resume

B.Stand a written examination

C.Complete an apprenticeship

D.Provide three professional references

Explanation: SC Regulation 69-23(B) requires that adjuster applicants stand a written examination to assure the Director that they have sufficient knowledge of the insurance business. This exam is administered by the state's approved testing vendor (Pearson VUE).

9Under SC Regulation 69-23, what professional designations exempt an adjuster applicant from the written examination?

A.MBA or JD

B.CPCU (Chartered Property and Casualty Underwriter) or CLU (Chartered Life Underwriter) relevant to the sought authority

C.CPA or CFA

D.Any insurance industry certification

Explanation: SC Regulation 69-23(B)(1) exempts applicants holding CPCU or CLU designations relevant to the kinds of insurance for which they seek authority from the written examination requirement.

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(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.