300+ Free VT Claims Adjuster Practice Questions

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Question 1

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What is the purpose of the Fellow Employee or Fellow Servant exclusion?

To cover all employee injuries

To cover only temporary employees

To provide additional employee coverage

To exclude coverage for bodily injury to employees of the insured (covered by workers compensation)

to track

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2026 Statistics

Key Facts: VT Claims Adjuster Exam

70%

Passing Score

DOI

100 Q

Practice Questions

OpenExamPrep

24 hrs

CE Per Cycle

DOI

2 hrs

Exam Time

DOI

$165

Exam Fee

LicenseMap 2026

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

Sample VT Claims Adjuster Practice Questions

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

1What is the minimum age requirement to obtain an adjuster license in Vermont?

A.16 years old

B.18 years old

C.21 years old

D.25 years old

Explanation: Under Vermont Title 8, §4803, an applicant for an adjuster license must be at least 18 years of age.

2Which Vermont state agency is responsible for licensing insurance adjusters?

A.Vermont Department of Labor

B.Vermont Attorney General's Office

C.Vermont Department of Financial Regulation

D.Vermont Secretary of State

Explanation: The Vermont Department of Financial Regulation (DFR) is the agency responsible for licensing and regulating all insurance adjusters doing business in Vermont.

3How many years of experience in handling loss claims is required to satisfy the experience requirement for a Vermont adjuster license?

A.1 year

B.2 years

C.3 years

D.5 years

Explanation: Under Title 8, §4803, an applicant must have at least two years' experience in handling of loss claims, or meet alternative experience qualifications such as special training or supervised employment.

4Under Vermont law, what is the definition of an adjuster?

A.Any person who sells insurance policies to the public

B.Any person who investigates claims and negotiates settlement of claims arising under policies of insurance on behalf of insurers

C.Any person who provides legal advice regarding insurance disputes

D.Any person who calculates insurance premiums for underwriting purposes

Explanation: Vermont Title 8, §4791 defines an adjuster as any person who investigates claims and negotiates settlement of claims arising under policies of insurance on behalf of insurers, or who advertises or solicits business from insurers as an adjuster.

5Which of the following professionals is NOT considered an adjuster under Vermont law and is therefore exempt from adjuster licensing requirements?

A.An independent claims investigator

B.A lawyer settling claims of clients

C.A public adjuster representing policyholders

D.A catastrophe adjuster from another state

Explanation: Under Vermont Title 8, §4791, lawyers settling claims of clients shall not be considered an adjuster and are therefore exempt from adjuster licensing requirements.

6What is the renewal period for a Vermont adjuster license?

A.Every year

B.Every 2 years

C.Every 3 years

D.Every 5 years

Explanation: Vermont adjuster licenses must be renewed every two years. The license term runs from April 1 to March 31 of odd-numbered years.

7How many hours of continuing education are required for Vermont adjuster license renewal?

A.12 hours

B.18 hours

C.24 hours

D.30 hours

Explanation: Vermont requires licensees to complete 24 credit hours of continuing education every two-year licensing period, including 3 hours of ethics.

8Under Vermont's Fair Claims Practices Regulation, within how many working days must an insurer acknowledge receipt of a claim notice?

A.5 working days

B.10 working days

C.15 working days

D.30 working days

Explanation: Under Vermont Administrative Code Section 21-020-008, an insurer or its agent must mail or orally acknowledge receipt of a claim notice directly to the claimant within 10 working days.

9Under Vermont law, what does 8 V.S.A. §4724(9) prohibit?

A.Insurance adjusters from holding multiple licenses

B.Insurers from engaging in unfair claims settlement practices

C.Policyholders from filing claims without an attorney

D.Insurance agents from selling multiple types of policies

Explanation: 8 V.S.A. §4724(9) of the Insurance Trade Practices Act prohibits insurers doing business in Vermont from engaging in unfair claims settlement practices when done with such frequency as to indicate a general business practice.

10Which of the following is specifically defined as an unfair claim settlement practice under Vermont's Insurance Trade Practices Act?

A.Conducting a thorough investigation before paying a claim

B.Misrepresenting pertinent facts or insurance policy provisions relating to coverage at issue

C.Requiring policyholders to submit proof of loss documentation

D.Offering to settle a claim for actual cash value

Explanation: Under 8 V.S.A. §4724(9)(A), misrepresenting pertinent facts or insurance policy provisions relating to coverage at issue is specifically defined as an unfair claims settlement practice.

About the VT Claims Adjuster Exam

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

Questions

100 scored questions

Time Limit

2 hours

Passing Score

70%

Exam Fee

$165 (Vermont DOI)

VT 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 VT Claims Adjuster Exam

What You Need to Know

Passing score: 70%
Exam length: 100 questions
Time limit: 2 hours
Exam fee: $165

Keys to Passing

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

VT 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 Vermont 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.