Under Alabama law, an "independent adjuster" is defined as a person who, for compensation, undertakes on behalf of an insurer to do which of the following?
A. Ascertain and determine the amount of a covered claim, loss, or damage, or effect settlement of such claim
B. Sell property and casualty insurance policies directly to consumers on behalf of multiple carriers
C. Represent a policyholder in negotiating a claim against the policyholder's own insurer
D. Underwrite new insurance risks and set premium rates for an insurer
Source: Ala. Code § 27-9A-3
Which type of adjuster license does the Alabama Department of Insurance (ALDOI) NOT issue or recognize?
A. Independent adjuster
B. Public adjuster
C. Apprentice independent adjuster
D. Business entity independent adjuster
Source: ALDOI Adjuster Requirements (aldoi.gov/licensing/adjusterreq.aspx)
An individual who adjusts claims as an employee under the direct supervision of a licensed independent adjuster or an exempt insurance producer may be exempt from independent adjuster licensure, subject to what supervisory limit?
A. No more than 10 such employees per supervising licensee
B. No limit, provided the employee is paid a salary rather than commission
C. No more than 25 such employees under the supervision of a single licensed individual
D. The exemption applies only during the first 90 days of employment
Source: Ala. Code § 27-9A-3(13)
As of the current ALDOI licensing requirements, which statement about pre-licensing education for a resident independent adjuster applicant is accurate?
A. Pre-licensing education is only waived for applicants who already hold a producer license
B. A 40-hour pre-licensing course completion certificate must be submitted with every application
C. Pre-licensing education was eliminated but replaced with a mandatory 6-month supervised apprenticeship for all applicants
D. Alabama no longer requires a pre-licensing education certificate as of January 1, 2024, though the applicant must still pass the state exam
Source: ALDOI Adjuster Requirements (aldoi.gov/licensing/adjusterreq.aspx)
An applicant who is otherwise qualified for an Alabama independent adjuster license except that they have not yet taken and passed the written examination may apply for which license?
A. An apprentice independent adjuster license
B. A nonresident reciprocal license
C. A limited lines adjuster permit
D. A temporary emergency adjuster registration
Source: ALDOI Adjuster Requirements (aldoi.gov/licensing/adjusterreq.aspx)
