OKLAHOMA ADJUSTER LICENSE PRACTICE EXAM QUESTIONS AND CORRECT ANSWERS
(VERIFIED ANSWERS) PLUS RATIONALES 2026 Q&A | INSTANT DOWNLOAD PDF
Core Domains
*- Property and Casualty Insurance Basics*
*- Adjusting Losses and Claim Procedures*
*- Dwelling and Homeowners Policies*
*- Auto Insurance and Personal Auto Policy*
*- Commercial Package Policies and Businessowners Policy*
*- Oklahoma State Regulations and Licensing Requirements*
*- Ethics and Unfair Trade Practices*
*- Claims Settlement Practices and Legal Compliance*
This comprehensive assessment is designed to prepare candidates for the Oklahoma Adjuster License
examination by evaluating essential knowledge and skills required for professional claims adjusting. The
exam consists of multiple-choice and scenario-based questions that test foundational theory, applied
professional knowledge, regulatory compliance, ethics, and real-world decision-making abilities. Candidates
will encounter questions covering policy structure, coverage provisions, claim adjustment procedures, state-
specific regulations, and ethical standards. The assessment emphasizes practical application of adjusting
principles in actual claims situations, ensuring examinees can make sound professional judgments. Success on
this exam demonstrates readiness to investigate, evaluate, and settle insurance claims in accordance with
Oklahoma insurance laws and industry best practices.
SECTION ONE: QUESTIONS 1–100
Question 1
,Which type of adjuster works directly for an insurance company as an employee?
A. Public adjuster
B. Independent adjuster
C. Staff adjuster
D. Contract adjuster
🟢 C. Staff adjuster
🔴 RATIONALE: A staff adjuster is employed directly by an insurance company and handles claims on behalf
of that insurer. Public adjusters work for policyholders, while independent and contract adjusters work as
freelancers for multiple insurers.
Question 2
How often must an Oklahoma adjuster license be renewed?
A. Every year
B. Every two years
C. Every three years
D. Every four years
🟢 B. Every two years
🔴 RATIONALE: Oklahoma adjuster licenses must be renewed every two years. Resident Oklahoma adjusters
are required to complete continuing education requirements within this two-year compliance cycle.
,Question 3
Which entity regulates insurance adjusters in Oklahoma?
A. Department of Labor
B. Office of Management and Budget
C. Oklahoma Insurance Department
D. Department of Commerce
🟢 C. Oklahoma Insurance Department
🔴 RATIONALE: The Oklahoma Insurance Department is the state agency responsible for regulating insurance
adjusters, enforcing insurance laws, and overseeing licensing requirements in Oklahoma.
Question 4
What is the continuing education (CE) requirement for licensed adjusters in Oklahoma?
A. 12 hours every 3 years
B. 20 hours every 5 years
C. 24 hours every 2 years
D. 10 hours every year
🟢 C. 24 hours every 2 years
, 🔴 RATIONALE: Oklahoma requires resident adjusters to complete 24 hours of continuing education every two
years, including 3 hours of Ethics and 2 hours of OK Law Update.
Question 5
What type of bond must a public adjuster in Oklahoma maintain?
A. $1,000
B. $2,000
C. $25,000
D. $50,000
🟢 C. $25,000
🔴 RATIONALE: Public adjusters in Oklahoma are required to maintain a $25,000 bond as part of their
licensing requirements to ensure financial responsibility.
Question 6
What is the primary role of an insurance adjuster?
A. Sell insurance policies
B. Investigate and settle claims
C. Underwrite insurance policies
D. Draft insurance contracts
(VERIFIED ANSWERS) PLUS RATIONALES 2026 Q&A | INSTANT DOWNLOAD PDF
Core Domains
*- Property and Casualty Insurance Basics*
*- Adjusting Losses and Claim Procedures*
*- Dwelling and Homeowners Policies*
*- Auto Insurance and Personal Auto Policy*
*- Commercial Package Policies and Businessowners Policy*
*- Oklahoma State Regulations and Licensing Requirements*
*- Ethics and Unfair Trade Practices*
*- Claims Settlement Practices and Legal Compliance*
This comprehensive assessment is designed to prepare candidates for the Oklahoma Adjuster License
examination by evaluating essential knowledge and skills required for professional claims adjusting. The
exam consists of multiple-choice and scenario-based questions that test foundational theory, applied
professional knowledge, regulatory compliance, ethics, and real-world decision-making abilities. Candidates
will encounter questions covering policy structure, coverage provisions, claim adjustment procedures, state-
specific regulations, and ethical standards. The assessment emphasizes practical application of adjusting
principles in actual claims situations, ensuring examinees can make sound professional judgments. Success on
this exam demonstrates readiness to investigate, evaluate, and settle insurance claims in accordance with
Oklahoma insurance laws and industry best practices.
SECTION ONE: QUESTIONS 1–100
Question 1
,Which type of adjuster works directly for an insurance company as an employee?
A. Public adjuster
B. Independent adjuster
C. Staff adjuster
D. Contract adjuster
🟢 C. Staff adjuster
🔴 RATIONALE: A staff adjuster is employed directly by an insurance company and handles claims on behalf
of that insurer. Public adjusters work for policyholders, while independent and contract adjusters work as
freelancers for multiple insurers.
Question 2
How often must an Oklahoma adjuster license be renewed?
A. Every year
B. Every two years
C. Every three years
D. Every four years
🟢 B. Every two years
🔴 RATIONALE: Oklahoma adjuster licenses must be renewed every two years. Resident Oklahoma adjusters
are required to complete continuing education requirements within this two-year compliance cycle.
,Question 3
Which entity regulates insurance adjusters in Oklahoma?
A. Department of Labor
B. Office of Management and Budget
C. Oklahoma Insurance Department
D. Department of Commerce
🟢 C. Oklahoma Insurance Department
🔴 RATIONALE: The Oklahoma Insurance Department is the state agency responsible for regulating insurance
adjusters, enforcing insurance laws, and overseeing licensing requirements in Oklahoma.
Question 4
What is the continuing education (CE) requirement for licensed adjusters in Oklahoma?
A. 12 hours every 3 years
B. 20 hours every 5 years
C. 24 hours every 2 years
D. 10 hours every year
🟢 C. 24 hours every 2 years
, 🔴 RATIONALE: Oklahoma requires resident adjusters to complete 24 hours of continuing education every two
years, including 3 hours of Ethics and 2 hours of OK Law Update.
Question 5
What type of bond must a public adjuster in Oklahoma maintain?
A. $1,000
B. $2,000
C. $25,000
D. $50,000
🟢 C. $25,000
🔴 RATIONALE: Public adjusters in Oklahoma are required to maintain a $25,000 bond as part of their
licensing requirements to ensure financial responsibility.
Question 6
What is the primary role of an insurance adjuster?
A. Sell insurance policies
B. Investigate and settle claims
C. Underwrite insurance policies
D. Draft insurance contracts
