GEORGIA CLAIMS ADJUSTER LICENSING
CERTIFICATION REVIEW SET 2026
ANSWERS GUARANTEED PASS
⫸ The National Association of Insurance Commissioners (NAIC)
Answer: is a non-profit coalition of state insurance agencies. It works to
harmonize state laws and regulations by drafting model legislation,
which is frequently adopted by all or most states.
⫸ Insurance Commissioners' responsibilities Answer: 1. Maintaining
insurer solvency
2. Regulating rates
3. Protecting consumers
4. Making insurance available for all individuals
State commissioners and departments of insurance are responsible for
regulating many aspects of the insurance industry (especially those
concerning the financial solvency of the insurers doing business in their
state).
The commissioners and departments oversee the financial stability of
insurers and regulate the rates that insurers charge. They also protect
consumers and ensure that insurance is available for all individuals.
⫸ Insurance and Safety Fire Commissioner Answer: 1. Elected position
,2. Four year term
3. Can appoint deputies
4. Attorney general decides legality of rules if disputed
5. Must not have financial interest in any insurance company or agency
The commissioner is the most senior person in the Office of Insurance,
and his or her formal title is Insurance and Safety Fire Commissioner.
Elected by the citizens of Georgia to a four year term, the commissioner
is responsible for enforcing the laws related to insurance passed by the
state legislature. He has the authority to make rules based on the law,
and enforce them. Any dispute over whether a rule is legal or not is
decided by the state attorney general.
The commissioner can appoint deputies to help enforce the laws,
including a chief deputy commissioner.
Only persons who have no financial interest in any insurance company
or agency are eligible to be commissioner.
⫸ The Commissioner has the power to: Answer: 1. Examine all
domestic insurance companies and rating organizations
2. At least every five years, examine agents, sub-agents, brokers,
counselors, adjusters, and managers of domestic insurance companies
3. He will schedule a hearing within 30 days of a complaint, if he
suspects violation of the law
, The commissioner has broad powers of investigation that enable him to
ensure that insurance companies and agents in Georgia are acting in
accordance with the law.
At least every five years, he will examine all the domestic insurance
companies and rating organizations in the state. He has the authority to
look at their transactions, accounts, assets, business methods, and
management practices.
The commissioner also has the authority to examine agents, sub-agents,
brokers, counselors, adjusters, and managers. If he believes that there
has been a violation of insurance law, he may schedule a hearing on the
matter, and will serve notice of the hearing by registered mail.
If the commissioner receives a complaint about an insurance agent or
company, and believes the complaint is credible, he will schedule a
hearing within 30 days of the complaint, again serving notice by
registered mail.
⫸ The Commissioner also has the power to: Answer: 1. Prohibit any
person he suspects of breaking insurance law from continuing that
illegal action
2. Impose penalties against any person found guilty of breaking
insurance law, even without a hearing
3. Place any insurer on probation for up to one year for each violation
CERTIFICATION REVIEW SET 2026
ANSWERS GUARANTEED PASS
⫸ The National Association of Insurance Commissioners (NAIC)
Answer: is a non-profit coalition of state insurance agencies. It works to
harmonize state laws and regulations by drafting model legislation,
which is frequently adopted by all or most states.
⫸ Insurance Commissioners' responsibilities Answer: 1. Maintaining
insurer solvency
2. Regulating rates
3. Protecting consumers
4. Making insurance available for all individuals
State commissioners and departments of insurance are responsible for
regulating many aspects of the insurance industry (especially those
concerning the financial solvency of the insurers doing business in their
state).
The commissioners and departments oversee the financial stability of
insurers and regulate the rates that insurers charge. They also protect
consumers and ensure that insurance is available for all individuals.
⫸ Insurance and Safety Fire Commissioner Answer: 1. Elected position
,2. Four year term
3. Can appoint deputies
4. Attorney general decides legality of rules if disputed
5. Must not have financial interest in any insurance company or agency
The commissioner is the most senior person in the Office of Insurance,
and his or her formal title is Insurance and Safety Fire Commissioner.
Elected by the citizens of Georgia to a four year term, the commissioner
is responsible for enforcing the laws related to insurance passed by the
state legislature. He has the authority to make rules based on the law,
and enforce them. Any dispute over whether a rule is legal or not is
decided by the state attorney general.
The commissioner can appoint deputies to help enforce the laws,
including a chief deputy commissioner.
Only persons who have no financial interest in any insurance company
or agency are eligible to be commissioner.
⫸ The Commissioner has the power to: Answer: 1. Examine all
domestic insurance companies and rating organizations
2. At least every five years, examine agents, sub-agents, brokers,
counselors, adjusters, and managers of domestic insurance companies
3. He will schedule a hearing within 30 days of a complaint, if he
suspects violation of the law
, The commissioner has broad powers of investigation that enable him to
ensure that insurance companies and agents in Georgia are acting in
accordance with the law.
At least every five years, he will examine all the domestic insurance
companies and rating organizations in the state. He has the authority to
look at their transactions, accounts, assets, business methods, and
management practices.
The commissioner also has the authority to examine agents, sub-agents,
brokers, counselors, adjusters, and managers. If he believes that there
has been a violation of insurance law, he may schedule a hearing on the
matter, and will serve notice of the hearing by registered mail.
If the commissioner receives a complaint about an insurance agent or
company, and believes the complaint is credible, he will schedule a
hearing within 30 days of the complaint, again serving notice by
registered mail.
⫸ The Commissioner also has the power to: Answer: 1. Prohibit any
person he suspects of breaking insurance law from continuing that
illegal action
2. Impose penalties against any person found guilty of breaking
insurance law, even without a hearing
3. Place any insurer on probation for up to one year for each violation
