1
GEORGIA CLAIMS ADJUSTER EXAM FULL PACKAGE QUESTIONS
ANSWERS AND RATIONALES 2026-27 LATEST UPDATED VERSION
INSTANT DOWNLOAD PDF..!!
INTRODUCTION
The Georgia Claims Adjuster Exam is the official licensing assessment administered by the
Georgia Office of Commissioner of Insurance and Safety Fire (OCI) through Pearson VUE for
individuals seeking to become licensed insurance claims adjusters in the State of Georgia.
This exam evaluates a candidate's knowledge of insurance principles, policy provisions,
claims handling procedures, Georgia-specific laws and regulations, and ethical standards
required to investigate, evaluate, and settle insurance claims on behalf of insurers or
policyholders. The exam is specifically for individuals who wish to obtain a Georgia adjuster
license, including independent adjusters, public adjusters, company adjusters, and workers'
compensation adjusters. Passing this exam is a mandatory prerequisite for licensure and is
critical for protecting consumers and ensuring fair claims practices across the state.
The exam format consists of 100 scored multiple-choice questions with a two-hour time
limit, and a minimum passing score of 70% is required. Candidates who fail must wait 14
days before retaking, and after three failed attempts, the waiting period extends to 60 days.
The exam is administered by Pearson VUE, and pre-licensing course completion must be
reflected in Sircon before testing. The exam covers major content areas including Georgia
insurance regulation and licensing, insurance contract law and principles, the Georgia Unfair
Claims Settlement Practices Act, property and casualty insurance, liability/auto/workers'
compensation, public adjuster regulation, ethics and professional conduct, and Georgia-
specific regulatory knowledge.
This comprehensive question bank contains 200 advanced, scenario-based practice
questions that mirror the actual exam's content domains and cognitive complexity. Each
question is accompanied by a well-explained rationale that not only identifies the correct
answer but also provides the underlying insurance principle or Georgia statute and explains
why each distractor is incorrect. The correct answers are distributed across all four options
to prevent pattern recognition. By working through these questions, you will strengthen
your knowledge of Georgia insurance law, master the application of claims handling
principles to real-world scenarios, and significantly increase your chances of passing the
Georgia Claims Adjuster Exam on your first attempt.
CORE DOMAINS TESTED
The Georgia Claims Adjuster Exam is organized around the major content areas specified in
the Georgia Insurance Supplement – Examination Content Outlines published by Pearson
VUE.
,2
1. Georgia Insurance Regulation and Licensing (15% of exam): Covers adjuster
definition and exemptions, age requirements (18 years), pre-licensing education
requirements, passing score (70%), application fees, CE requirements (24 hours
biennially with 3 hours ethics), non-resident licensing, reciprocity, and HB 405 2026
updates.
2. Georgia Insurance Contract Law and Principles (15%): Covers essential contract
elements, adhesion, aleatory, indemnity, insurable interest, subrogation, named vs.
open peril, ACV vs. replacement cost, coinsurance, deductibles, waiver, estoppel,
reservation of rights, burden of proof, negligence, bad faith (O.C.G.A. § 33-4-6), and
Valued Policy Law (O.C.G.A. § 33-32-5).
3. Georgia Unfair Claims Settlement Practices Act (15%): Covers O.C.G.A. § 33-6-30 et
seq., claim acknowledgment timelines, proof of loss forms, claim decision timelines,
payment timelines, private cause of action limitations, and insurer-owned repair
facilities.
4. Georgia Property and Casualty Insurance (20%): Covers Valued Policy Law for
one/two-family residential properties, Standard Fire Policy vacancy provisions,
Homeowners Coverages A-D, Commercial Package Policy, Commercial Property
Causes of Loss forms, Builders Risk, Equipment Breakdown, Commercial Crime,
Inland Marine, Georgia FAIR Plan, Assigned Risk, and the 17c Diminished Value
Formula.
5. Liability, Auto, and Workers' Compensation (15%): Covers Commercial General
Liability, Personal/Advertising Injury, Professional Liability, Georgia auto minimums
(25/50/25), Uninsured Motorist, Commercial Auto, Workers' Compensation (TTD
maximum, Employer's non-ownership, Occurrence vs Claims-Made, Tail Coverage).
6. Public Adjuster Regulation (10%): Covers definition, contract requirements (written,
Commissioner-approved), bond ($5,000), solicitation restrictions (natural disasters,
8AM-10PM weekdays, noon-10PM Sundays), and fiduciary duty to insured.
7. Ethics and Professional Conduct (10%): Covers fiduciary duty, confidentiality,
fairness, conflicts of interest, misrepresentation, twisting, churning, commingling,
unfair discrimination, defamation, felony reporting (30 days), rebating, and
controlled business.
,3
QUESTIONS 1-200
Q1: What is the minimum age requirement to obtain an insurance
adjuster license in Georgia?
A) 16 years old
B) 18 years old
C) 21 years old
D) 25 years old
Rationale: The correct answer is B. Georgia requires adjuster license
applicants to be at least 18 years of age as established by the Georgia
Office of Insurance and Safety Fire Commissioner. Option A is
incorrect because 16 is below the minimum age. Option C is incorrect
because 21 is not the statutory requirement. Option D is incorrect
because 25 exceeds the minimum age.
Q2: How many hours of pre-licensing education are required for a
Georgia Property and Casualty adjuster license?
A) 8 hours
B) 16 hours
C) 20 hours
D) 40 hours
Rationale: The correct answer is B. Georgia requires a 16-hour
Property and Casualty pre-licensing course for adjuster license
applicants, with 8 hours per major line of authority. Option A is
incorrect because 8 hours is insufficient. Option C is incorrect because
20 hours is the requirement for public adjusters, not standard P&C
adjusters. Option D is incorrect because 40 hours is the requirement
for public adjusters.
, 4
Q3: What passing score is required on the Georgia adjuster licensing
exam?
A) 60%
B) 65%
C) 70%
D) 80%
Rationale: The correct answer is C. Georgia requires a passing score
of 70% on the adjuster licensing examination as specified in Georgia
Administrative Code Rule 120-2-3-.09. Option A is incorrect because
60% is below the passing threshold. Option B is incorrect because
65% is not the required score. Option D is incorrect because 80%
exceeds the minimum requirement.
Q4: Which entity administers the Georgia adjuster licensing exam?
A) Prometric
B) Pearson VUE
C) PSI Services
D) The Georgia Insurance Department directly
Rationale: The correct answer is B. The Georgia adjuster licensing
exam is administered by Pearson VUE, a third-party testing vendor.
Option A is incorrect because Prometric is not the designated vendor
for Georgia. Option C is incorrect because PSI Services is not the
testing vendor. Option D is incorrect because the Georgia Insurance
Department does not directly administer the exam.
Q5: How many continuing education hours must a Georgia adjuster
complete biennially?
GEORGIA CLAIMS ADJUSTER EXAM FULL PACKAGE QUESTIONS
ANSWERS AND RATIONALES 2026-27 LATEST UPDATED VERSION
INSTANT DOWNLOAD PDF..!!
INTRODUCTION
The Georgia Claims Adjuster Exam is the official licensing assessment administered by the
Georgia Office of Commissioner of Insurance and Safety Fire (OCI) through Pearson VUE for
individuals seeking to become licensed insurance claims adjusters in the State of Georgia.
This exam evaluates a candidate's knowledge of insurance principles, policy provisions,
claims handling procedures, Georgia-specific laws and regulations, and ethical standards
required to investigate, evaluate, and settle insurance claims on behalf of insurers or
policyholders. The exam is specifically for individuals who wish to obtain a Georgia adjuster
license, including independent adjusters, public adjusters, company adjusters, and workers'
compensation adjusters. Passing this exam is a mandatory prerequisite for licensure and is
critical for protecting consumers and ensuring fair claims practices across the state.
The exam format consists of 100 scored multiple-choice questions with a two-hour time
limit, and a minimum passing score of 70% is required. Candidates who fail must wait 14
days before retaking, and after three failed attempts, the waiting period extends to 60 days.
The exam is administered by Pearson VUE, and pre-licensing course completion must be
reflected in Sircon before testing. The exam covers major content areas including Georgia
insurance regulation and licensing, insurance contract law and principles, the Georgia Unfair
Claims Settlement Practices Act, property and casualty insurance, liability/auto/workers'
compensation, public adjuster regulation, ethics and professional conduct, and Georgia-
specific regulatory knowledge.
This comprehensive question bank contains 200 advanced, scenario-based practice
questions that mirror the actual exam's content domains and cognitive complexity. Each
question is accompanied by a well-explained rationale that not only identifies the correct
answer but also provides the underlying insurance principle or Georgia statute and explains
why each distractor is incorrect. The correct answers are distributed across all four options
to prevent pattern recognition. By working through these questions, you will strengthen
your knowledge of Georgia insurance law, master the application of claims handling
principles to real-world scenarios, and significantly increase your chances of passing the
Georgia Claims Adjuster Exam on your first attempt.
CORE DOMAINS TESTED
The Georgia Claims Adjuster Exam is organized around the major content areas specified in
the Georgia Insurance Supplement – Examination Content Outlines published by Pearson
VUE.
,2
1. Georgia Insurance Regulation and Licensing (15% of exam): Covers adjuster
definition and exemptions, age requirements (18 years), pre-licensing education
requirements, passing score (70%), application fees, CE requirements (24 hours
biennially with 3 hours ethics), non-resident licensing, reciprocity, and HB 405 2026
updates.
2. Georgia Insurance Contract Law and Principles (15%): Covers essential contract
elements, adhesion, aleatory, indemnity, insurable interest, subrogation, named vs.
open peril, ACV vs. replacement cost, coinsurance, deductibles, waiver, estoppel,
reservation of rights, burden of proof, negligence, bad faith (O.C.G.A. § 33-4-6), and
Valued Policy Law (O.C.G.A. § 33-32-5).
3. Georgia Unfair Claims Settlement Practices Act (15%): Covers O.C.G.A. § 33-6-30 et
seq., claim acknowledgment timelines, proof of loss forms, claim decision timelines,
payment timelines, private cause of action limitations, and insurer-owned repair
facilities.
4. Georgia Property and Casualty Insurance (20%): Covers Valued Policy Law for
one/two-family residential properties, Standard Fire Policy vacancy provisions,
Homeowners Coverages A-D, Commercial Package Policy, Commercial Property
Causes of Loss forms, Builders Risk, Equipment Breakdown, Commercial Crime,
Inland Marine, Georgia FAIR Plan, Assigned Risk, and the 17c Diminished Value
Formula.
5. Liability, Auto, and Workers' Compensation (15%): Covers Commercial General
Liability, Personal/Advertising Injury, Professional Liability, Georgia auto minimums
(25/50/25), Uninsured Motorist, Commercial Auto, Workers' Compensation (TTD
maximum, Employer's non-ownership, Occurrence vs Claims-Made, Tail Coverage).
6. Public Adjuster Regulation (10%): Covers definition, contract requirements (written,
Commissioner-approved), bond ($5,000), solicitation restrictions (natural disasters,
8AM-10PM weekdays, noon-10PM Sundays), and fiduciary duty to insured.
7. Ethics and Professional Conduct (10%): Covers fiduciary duty, confidentiality,
fairness, conflicts of interest, misrepresentation, twisting, churning, commingling,
unfair discrimination, defamation, felony reporting (30 days), rebating, and
controlled business.
,3
QUESTIONS 1-200
Q1: What is the minimum age requirement to obtain an insurance
adjuster license in Georgia?
A) 16 years old
B) 18 years old
C) 21 years old
D) 25 years old
Rationale: The correct answer is B. Georgia requires adjuster license
applicants to be at least 18 years of age as established by the Georgia
Office of Insurance and Safety Fire Commissioner. Option A is
incorrect because 16 is below the minimum age. Option C is incorrect
because 21 is not the statutory requirement. Option D is incorrect
because 25 exceeds the minimum age.
Q2: How many hours of pre-licensing education are required for a
Georgia Property and Casualty adjuster license?
A) 8 hours
B) 16 hours
C) 20 hours
D) 40 hours
Rationale: The correct answer is B. Georgia requires a 16-hour
Property and Casualty pre-licensing course for adjuster license
applicants, with 8 hours per major line of authority. Option A is
incorrect because 8 hours is insufficient. Option C is incorrect because
20 hours is the requirement for public adjusters, not standard P&C
adjusters. Option D is incorrect because 40 hours is the requirement
for public adjusters.
, 4
Q3: What passing score is required on the Georgia adjuster licensing
exam?
A) 60%
B) 65%
C) 70%
D) 80%
Rationale: The correct answer is C. Georgia requires a passing score
of 70% on the adjuster licensing examination as specified in Georgia
Administrative Code Rule 120-2-3-.09. Option A is incorrect because
60% is below the passing threshold. Option B is incorrect because
65% is not the required score. Option D is incorrect because 80%
exceeds the minimum requirement.
Q4: Which entity administers the Georgia adjuster licensing exam?
A) Prometric
B) Pearson VUE
C) PSI Services
D) The Georgia Insurance Department directly
Rationale: The correct answer is B. The Georgia adjuster licensing
exam is administered by Pearson VUE, a third-party testing vendor.
Option A is incorrect because Prometric is not the designated vendor
for Georgia. Option C is incorrect because PSI Services is not the
testing vendor. Option D is incorrect because the Georgia Insurance
Department does not directly administer the exam.
Q5: How many continuing education hours must a Georgia adjuster
complete biennially?
