300+ Free UT Claims Adjuster Practice Questions

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Question 1

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What is the difference between 'occurrence' and 'claims-made' liability policies?

No difference

Claims-made is for auto only

Occurrence is for property only

Occurrence covers incidents during the policy period regardless of when filed; claims-made covers only claims reported during the policy period

to track

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2026 Statistics

Key Facts: UT Claims Adjuster Exam

70%

Passing Score

DOI

100 Q

Practice Questions

OpenExamPrep

24 hrs

CE Per Cycle

DOI

2 hrs

Exam Time

DOI

$135

Exam Fee

LicenseMap 2026

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

Sample UT Claims Adjuster Practice Questions

Try these sample questions to test your UT 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 Utah Code § 31A-26-201, what is required before a person can perform insurance adjusting in Utah?

A.Only a business license

B.A valid adjuster license under § 31A-26-203

C.Only a college degree

D.Only an appointment by an insurer

Explanation: Utah Code § 31A-26-201(1)(a) states that a person may not perform, offer to perform, or solicit the opportunity to perform an act of insurance adjusting without a valid license under Section 31A-26-203.

2Which Utah agency regulates insurance claims adjusters?

A.Utah Department of Commerce

B.Utah Insurance Department (within the Department of Insurance)

C.Utah Attorney General's Office

D.Utah Department of Revenue

Explanation: The Utah Insurance Department, headed by the Insurance Commissioner, regulates all insurance adjusters in the state. The Commissioner has authority over licensing, examinations, continuing education, and enforcement of insurance laws under Title 31A.

3Under Utah Code § 31A-26-102, what is the definition of 'insurance adjusting' or 'adjusting'?

A.Selling insurance policies

B.Directing or conducting the investigation, negotiation, or settlement of a claim under an insurance policy

C.Underwriting insurance risks

D.Calculating insurance premiums

Explanation: Utah Code § 31A-26-102(5) defines 'insurance adjusting' or 'adjusting' as directing or conducting the investigation, negotiation, or settlement of a claim under an insurance policy, on behalf of an insurer, policyholder, or a claimant.

4What types of adjuster licenses does Utah issue?

A.Only independent adjuster

B.Independent adjuster and public adjuster; Utah does not license company (staff) adjusters

C.Only public adjuster

D.Only company adjuster

Explanation: Utah issues licenses for independent adjusters and public adjusters. Under § 31A-26-201, company (staff) adjusters — regular salaried employees of an insurer — are exempt from the licensing requirement and do not need to obtain an adjuster license.

5Under Utah Code § 31A-26-201(2), who is exempt from the adjuster licensing requirement?

A.No one is exempt

B.Regular salaried employees of an insurer (company adjusters), arbitrators, attorneys in attorney-client relationships, and licensed insurance producers adjusting for their appointing insurer

C.All persons with insurance experience

D.Anyone supervised by a licensed adjuster

Explanation: § 31A-26-201(2) exempts: (a) regular salaried employees of insurers (staff adjusters), (b) arbitrators/umpires, (c) attorneys in attorney-client relationships, and (d) licensed insurance producers adjusting claims for their appointing insurer's class of insurance.

6What is the minimum age to apply for a Utah adjuster license?

A.16 years old

B.18 years old

C.21 years old

D.25 years old

Explanation: Utah requires adjuster license applicants to be at least 18 years of age. This is a standard eligibility requirement for all adjuster license types in the state.

7Under Utah Code § 31A-26-205, what character requirements must an adjuster applicant demonstrate?

A.Only payment of fees

B.Good faith intent to engage in the business, competence and trustworthiness (for individuals), and that all acts will be performed by licensed persons

C.Only a clean criminal record

D.Only prior work experience

Explanation: § 31A-26-205 requires applicants to demonstrate: (1) good faith intent to engage in the type of business, (2) competence and trustworthiness (for natural persons) or that principals are trustworthy (for organizations), and that all licensed acts will be performed by properly licensed persons.

8What are the independent adjuster license classifications in Utah?

A.Only property and casualty

B.Accident and health, property and casualty (including surety), crop, and workers' compensation

C.Only workers' compensation

D.Only fire and marine

Explanation: Utah independent adjuster license classifications include: (a) accident and health insurance, (b) property and casualty insurance including surety, (c) crop insurance, and (d) workers' compensation insurance. Each classification determines the types of claims the adjuster may handle.

9Does Utah require fingerprinting for adjuster license applicants?

A.No fingerprinting required

B.Yes, fingerprinting is required for all resident adjuster applicants

C.Only for public adjusters

D.Only for nonresidents

Explanation: Utah requires all resident adjuster license applicants to be fingerprinted. The fingerprinting must be done at a Prometric test center using 'live scan' technology, which transmits fingerprints to the Utah Department of Public Safety and FBI for background checks.

10What is the licensing fee for a Utah adjuster license?

A.$50

B.$75

C.$100

D.$150

Explanation: The licensing fee for a Utah adjuster license (both independent and public adjuster) is $75. The reinstatement fee is also $75. Applications are submitted electronically through Sircon or NIPR.

About the UT Claims Adjuster Exam

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

Questions

100 scored questions

Time Limit

2 hours

Passing Score

70%

Exam Fee

$135 (Utah DOI)

UT 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 UT Claims Adjuster Exam

What You Need to Know

Passing score: 70%
Exam length: 100 questions
Time limit: 2 hours
Exam fee: $135

Keys to Passing

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

UT 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 Utah 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.