Free Practice Questions for OIC Loss Adjuster Knowledge Assessment

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Sample OIC Loss Adjuster Knowledge Assessment Practice Questions

Try these sample questions to review concepts for the OIC Loss Adjuster Knowledge Assessment exam. Each question includes a detailed explanation. Start the interactive quiz above for the full 24+ question experience with AI tutoring.

1A machinery claim turns on a fracture mechanism outside the adjuster's expertise. What is the most defensible next step?

A.Adopt the insured's diagnosis because it was submitted first

B.Seek a suitably qualified specialist and identify the limits of the adjuster's own conclusions

C.Select whichever diagnosis produces the smaller claim

D.Issue a final cause opinion based solely on the repair quotation

Explanation: A technical conclusion should be supported by appropriate expertise and evidence. Engaging a qualified specialist allows the report to distinguish established findings from matters outside the adjuster's competence.

2The insured refuses access for a property-loss inspection. What should an adjuster without an independent right of entry do?

A.Enter using a spare key supplied by a neighbor

B.Treat the unverified claimed amount as established

C.Reject the claim finally without consulting the insurer

D.Explain the inspection request, document the refusal and refer the access problem to the insurer

Explanation: An adjuster should document the obstacle and explain what information is needed to assess the loss. Referring the refusal and its consequences to the insurer preserves an evidence-based process without using force or inventing findings.

3An adjuster discovers that the claimant is a close relative. What should happen before substantive assessment continues?

A.Disclose the relationship and arrange an appropriate conflict-management decision, including reassignment if needed

B.Continue silently if the adjuster believes they can be fair

C.Disclose it only after recommending settlement

D.Ask the relative alone to decide whether disclosure to the appointing party is necessary

Explanation: A close relationship can compromise both actual impartiality and confidence in the assessment. Prompt disclosure allows the responsible parties to decide whether the conflict can be managed or the assignment should be reassigned.

4A claim file contains customer contact details and confidential business margins. Which handling approach best protects that information?

A.Give every contractor the complete customer database

B.Keep unrestricted copies on personal devices for future assignments

C.Restrict access to authorized purposes and people, with secure storage and controlled disclosure

D.Publish the records after removing the insured's company name

Explanation: Information obtained for loss assessment should be handled confidentially and securely. Access and disclosure should be limited to what is authorized and necessary, while applicable retention and personal-data requirements are observed.

5An insurer requests a 30% reduction in independently supported repair rates but supplies no contrary evidence. How should the adjuster handle the proposed change?

A.Apply the reduction because the insurer pays the fee

B.Explain the supporting evidence, invite substantiated contrary evidence and retain an objective estimate

C.Average the supported estimate and requested reduction without further review

D.Ask the claimant to approve the reduction before checking its basis

Explanation: The assessment should follow evidence rather than an arbitrary target payment. Documenting the basis and considering genuine contrary evidence preserves independence while permitting justified correction of the estimate.

6A claimed flood line appears painted, but the adjuster has not established who made it or why. What is the strongest next step?

A.Conclude fraud from the appearance alone

B.Ignore the mark because other stock was wet

C.Remove the mark before it confuses later inspections

D.Preserve photographs, compare independent flood evidence and report the discrepancy without overstating its cause

Explanation: A suspicious observation is a reason to investigate rather than a completed fraud finding. Preserving the evidence and checking independent records allows the report to separate observation, inference and unresolved questions.

7Which starting principle in Civil Code Section 877 should guide valuation of an ordinary covered property loss?

A.Assess actual loss at the time and place of the casualty, subject to the sum-insured ceiling

B.Treat every partial loss as entitlement to the whole sum insured

C.Use the original purchase price without regard to present loss

D.Use the amount of the owner's outstanding loan as the loss

Explanation: Section 877 addresses actual loss valued at the time and place of the casualty and limits indemnity to the sum insured. The applicable policy terms and other adjustments must then be considered in the assessment.

8Under the basic valuation-expense rule in Civil Code Section 878, who bears the cost of valuing the insured loss?

A.The broker automatically from commission

B.The insured automatically in every case

C.The insurer

D.The contractor whose estimate is lowest

Explanation: Section 878 places the expense of valuing the loss on the insurer. This basic rule should not be confused with the separate statutory arrangements where each party appoints its own adjuster in a disagreement.

9An insurer invokes Civil Code Section 879 solely because an electrical fire may have involved ordinary carelessness. What distinction must the assessment preserve?

A.Every careless act is automatically intentional misconduct

B.The section addresses dishonesty or gross negligence of the insured or beneficiary, not every ordinary mistake

C.Any negligent act automatically makes the contract void from inception

D.The degree of negligence matters only when a broker arranged the policy

Explanation: Section 879 distinguishes dishonesty or gross negligence from ordinary negligence. An adjuster should establish the relevant facts rather than treat any human error as satisfying that statutory ground for exemption.

10An insurer indemnifies 400,000 THB of property damage caused by a third party. What does Civil Code Section 880 establish about the insurer's recovery right?

A.It arises before payment for the entire sum insured

B.It transfers every unrelated claim the insured has

C.It eliminates the need to establish rights against the third party

D.It succeeds to the insured's relevant third-party rights to the extent of indemnity paid

Explanation: Section 880 links subrogation to the amount of indemnity paid. The insurer takes the relevant existing rights against the third party, so payment does not itself prove the third party's liability or create broader rights.

About the OIC Loss Adjuster Knowledge Assessment Exam

Independent OpenExamPrep practice for the regulated natural-person knowledge assessment for ผู้ตรวจสอบและประเมินวินาศภัย. The statutory curriculum covers roles, ethics, law, property-loss inspection and report writing, and insurance principles/products. This is an English-language MCQ study adaptation, not an official translation, official-format simulation or substitute for actual inspection and report-writing practice. The reviewed sources do not explicitly establish permitted assessment languages; confirm them and the selected testing method with the organizer. Individual training, testing and experience requirements are distinct from a juristic person's loss-adjuster business license.

Exam sponsor: OIC-accredited training and testing institutions, including Thailand Insurance Institute (TII). The requirements and fees below concern the certification or admission exam, separate from our free practice resources.

Assessment

OIC allows objective OR written knowledge testing across five subjects and requires at least 60% in each. TII lists 12 mandatory training hours followed by a separate 3-hour test. Course hours are roles 1, ethics 2, law 3, inspection/assessment and report writing 3, and principles/products 3; these are instructional hours, not a 12-hour exam or published item weights. No separate oral, practical examination, assignment or case-study submission is specified for this knowledge assessment in the reviewed notice and TII page. A business-readiness interview belongs to the separate juristic-person licensing process.

Time Limit

3 hours at TII

Passing Score

At least 60% in each of five subjects separately; failed subjects may be retaken individually

Exam / Certification Fees

TII: 7,000 THB excluding VAT for training and one test round; 500 THB excluding VAT per additional test round

Exam sponsor website

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

Official sources

OIC curriculum and knowledge-testing notice B.E. 2564 · Source checked 2026-10-19Clauses 4-6: minimum 12 hours, five subjects, objective OR written method, 60% in each subject and subject-specific retakes. Instructional hours are not published item weights.
TII loss adjuster training and test · Source checked 2026-10-192026 training and examination dates; 12 hours of training, separate 3-hour test, 7,000 THB excluding VAT with one test and 500 THB excluding VAT per additional round, not per subject.
OIC loss-adjuster governing notice B.E. 2562 · Source checked 2026-10-19Clause 6(5): precise education, continuous experience and approved assessment routes. Clause 16 specifies physical-property lines; other clauses address competence, impartiality and reporting.
OIC registrar's loss-adjuster forms and report particulars B.E. 2562 · Source checked 2026-10-19Visually checked qualification form and final-page report particulars: policy and loss facts, photographs, valuation, estimated indemnity, supporting reasons and signatures.
OIC explanation of the loss-adjuster licensing process · Source checked 2026-10-19Distinguishes juristic-person licensing and its business-readiness interview from individual knowledge, experience and assessment routes.
Non-Life Insurance Act No. 4, B.E. 2562 · Source checked 2026-10-19Sections 35/2-35/6: juristic-person licensing, qualified personnel and assessment framework.
Council of State Civil and Commercial Code, hosted by Bangkok · Source checked 2026-10-19Sections 865-866 and 877-880 for material disclosure, loss valuation, valuation expenses, gross negligence and subrogation.
TGIA Thai General Insurance Handbook · Source checked 2026-10-19Stable property valuation, average, physical-damage and business-interruption concepts; no reliance on historical fees or tariffs.
TGIA Institute Cargo Clauses collection · Source checked 2026-10-19Different ICC (A) and ICC (C) coverage structures.

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.

1 of 12 minimum training hours (8.3%)

Roles and responsibilities

Authority limits, assignment scope and appropriate specialist involvement.

2 of 12 minimum training hours (16.7%)

Professional ethics

Impartiality, confidentiality, conflicts and evidence integrity.

3 of 12 minimum training hours (25%)

Relevant law

Disclosure, indemnity, valuation expenses, gross negligence and subrogation.

3 of 12 minimum training hours (25%)

Property-loss inspection, assessment and report writing

Supported estimates, policy adjustments, accounting evidence and reasoned reports.

3 of 12 minimum training hours (25%)

Insurance principles and product overview

Fire, all-risks property, machinery, marine, liability and interruption concepts.

Preparing for the OIC Loss Adjuster Knowledge Assessment Exam

What You Need to Know

Passing score: At least 60% in each of five subjects separately; failed subjects may be retaken individually
Assessment: OIC allows objective OR written knowledge testing across five subjects and requires at least 60% in each. TII lists 12 mandatory training hours followed by a separate 3-hour test. Course hours are roles 1, ethics 2, law 3, inspection/assessment and report writing 3, and principles/products 3; these are instructional hours, not a 12-hour exam or published item weights. No separate oral, practical examination, assignment or case-study submission is specified for this knowledge assessment in the reviewed notice and TII page. A business-readiness interview belongs to the separate juristic-person licensing process.
Time limit: 3 hours at TII
Exam / certification fees: TII: 7,000 THB excluding VAT for training and one test round; 500 THB excluding VAT per additional test round Official sources

Using Our Practice Resources

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OIC Loss Adjuster Knowledge Assessment: Suggested Study Strategy

1Study every subject because an overall average cannot offset a subject below 60%.

2Separate evidence, inference and unresolved issues in a reasoned assessment.

3Use stated policy clauses and justified valuation assumptions when calculating losses.

4Practice actual inspection documentation and report writing alongside these MCQs.

Frequently Asked Questions

Does the official notice require both MCQs and written answers?

No. Clause 5 permits objective or written testing. The selected organizer should confirm the actual method. This bank's four-option questions are study adaptations.

What experience does the training-and-test route require?

The 2019 notice specifies a bachelor's degree or equivalent with at least 5 continuous years, a vocational certificate or equivalent with at least 10 continuous years, or at least 15 continuous years of qualifying physical property-loss assessment, plus approved training and testing. The ten-year route is not simply any education below a degree. Motor and portable personal-property cover are excluded from the specified qualifying lines; recognized professional-qualification alternatives also exist.

Is there an oral component?

No separate oral assessment is specified for this individual knowledge test in the reviewed sources. OIC describes a business-readiness interview in the separate juristic-person licensing application; it should not be represented as a component of this knowledge test.

Is this practice a substitute for inspection and report writing?

No. These independent English-language MCQs help study knowledge and decisions. They do not demonstrate practical competence or replace required training, supervised experience or report-writing practice.