Free Arkansas Claims Adjuster Practice Exam Online

Correct answer: A. Property insurance, casualty insurance, workers' compensation insurance, or any combination of these

Correct. Ark. Code Ann. § 23-64-209 authorizes the Commissioner to license adjusters for property insurance, or for casualty insurance, or for workers' compensation insurance, or for any combination of those lines.

• B: Incorrect. Arkansas does not issue one general classification covering every line; a license is tied to the specific line or combination of lines listed in the statute.
• C: Incorrect. Life, health, and annuities are producer lines of authority under a separate licensing scheme, not the adjuster classifications listed in § 23-64-209.
• D: Incorrect. Arkansas adjuster license classifications are defined by line of insurance under § 23-64-209, not by county of practice.

Correct answer: B. Arkansas's adjuster licensing chapter defines an "adjuster" as one who negotiates claim settlements on behalf of the insurer, and Arkansas has no public adjuster licensing category authorizing this insured-side representation

Correct. Ark. Code Ann. § 23-64-102 defines an adjuster as one who investigates and negotiates claim settlements for compensation on behalf of the insurer; Arkansas's licensing chapter contains no public adjuster category, so representing a policyholder for a fee in adjusting a claim is not an authorized licensed activity in Arkansas.

• A: Incorrect. Unlike many other states, Arkansas does not issue a public adjuster license classification; the statutory definition of adjuster in Ark. Code Ann. § 23-64-102 is built around representing the insurer, not the insured.
• C: Incorrect. A license from another state does not create an Arkansas public adjuster category; the activity is simply not licensed in Arkansas regardless of the practitioner's home-state credential.
• D: Incorrect. An independent adjuster is licensed to act on behalf of insurers under contract; switching to represent the insured against the insurer on the same claim would step outside the statutory role the license authorizes.

Correct answer: C. An applicant who is either a resident of Arkansas or is licensed as an adjuster in another state that permits Arkansas residents to act as adjusters there

Correct. Ark. Code Ann. § 23-64-209 allows an applicant who is a resident of Arkansas, or who is licensed as an adjuster in another state that permits Arkansas residents to act as adjusters in that state, to meet this qualification.

• A: Incorrect. Section 23-64-209 requires either Arkansas residency or licensure in a state extending reciprocal treatment to Arkansas residents; having neither does not satisfy the requirement.
• B: Incorrect. A future relocation plan does not satisfy the present residency-or-reciprocal-licensure test in the statute.
• D: Incorrect. Residing in a jurisdiction that does not extend reciprocal adjuster licensing to Arkansas residents does not meet the statute's residency-or-reciprocity test.

Correct answer: D. A waiting period of four weeks before reexamination

Correct. Ark. Code Ann. § 23-64-209 provides that the Commissioner may require a waiting period of four weeks before an applicant who has failed three times may be reexamined.

• A: Incorrect. Section 23-64-209 specifically allows the Commissioner to impose a waiting period after repeated failures rather than permitting immediate retesting with no delay.
• B: Incorrect. The statute authorizes a four-week waiting period tied to reexamination, not a one-year bar on applying for any Arkansas license.
• C: Incorrect. Repeated exam failures do not result in automatic licensure; the applicant must still pass the required examination.

Correct answer: A. 90 days

Correct. Under Ark. Code Ann. § 23-64-209, an applicant's examination eligibility is generally valid for 90 days, within which the required passing score must be achieved before the applicant must reapply.

• B: Incorrect. A full calendar year overstates the exam eligibility window set by the statute.
• C: Incorrect. The statute does impose a defined eligibility window rather than leaving exam eligibility open-ended.
• D: Incorrect. Ten business days is far shorter than the actual 90-day eligibility window in the statute.