Claims Adjuster (Michigan)

First published: September 2, 2026Last verified: September 2, 2026Reviewed by the CertQuestUSA team

TL;DR

Claims Adjuster (Michigan): a 160-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 full papers of 50 questions each with no repeats, every question citing the real regulation it comes from.

Where these questions come from

Every question in this bank cites a real source -- primarily content.naic.org (74%) and MCL (18%) of this exam's citations.

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3

full papers, no repeats

50

questions per paper

160

questions in the bank

What this exam covers

Adjuster License Required Exemptions3%
Adjuster License Types Exam Ce Renewal4%
Adjuster Role, Claim Process, Ethics, and Communication16%
Auto Liability, Casualty, and Bodily Injury Claims16%
Difs Complaint Discipline Reciprocity2%
Investigation, Documentation, Estimating Damages, and Settlement16%
No Fault Claim Handling Timelines5%
Property Coverage: Standard Fire, Homeowners, and Commercial Property Claims16%
Public Adjuster Contract Fee Cap4%
Subrogation, Salvage, Reinsurance, Catastrophe, Fraud, and Dispute Resolution16%
Unfair Claims Settlement Practices4%

5 real sample questions

Under Michigan's Insurance Code of 1956, what is the general rule regarding who may adjust a loss under a policy of insurance in the state?

A. A person may not adjust loss or damage under a policy of insurance, advertise, solicit business, or hold themselves out to the public as an adjuster unless licensed as an adjuster

B. Anyone employed by an insurance company may adjust claims without any license as long as they have completed internal training

C. Only attorneys licensed to practice in Michigan may adjust insurance claims

D. A real estate or property and casualty producer license automatically authorizes the holder to adjust claims

Source: MCL 500.1222

Which of the following is explicitly exempt from Michigan's adjuster license requirement?

A. A third-party claims outsourcing company with no licensed staff

B. A licensed insurance producer to whom claim authority has been granted by an insurer

C. Any Michigan notary public assisting with claim paperwork

D. A collection agency pursuing subrogation on behalf of an insurer

Source: MCL 500.1222

A staff employee of an authorized insurer handles claims only for policies issued by that same insurer. Under Michigan law, does this employee need a separate adjuster license?

A. Yes, every individual who touches a claim file in Michigan must hold an independent adjuster license regardless of employer

B. No, but only if the employee also holds a real estate license

C. No, an employee or manager of an authorized insurer adjusting loss under a policy issued by that insurer is exempt from separate adjuster licensure

D. Yes, but only during the first year of employment, after which the requirement is waived

Source: MCL 500.1222

An unlicensed individual collects claim information from insureds and enters it into an insurer's automated claims adjudication system. Under what condition is this activity exempt from Michigan's adjuster license requirement?

A. The individual works fewer than 20 hours per week

B. The individual has passed a background check within the last five years

C. The activity is exempt in all cases regardless of supervision

D. The individual is under the supervision of one or more licensed independent adjusters or an individual who is exempt from licensure

Source: MCL 500.1222

Which individual is exempt from Michigan's adjuster licensing requirement based on their standing in another licensed profession?

A. A person admitted to the practice of law in Michigan

B. A licensed real estate broker with no insurance credentials

C. A licensed funeral director handling a life insurance claim

D. A certified public accountant preparing a business's proof of loss

Source: MCL 500.1222

Same exam, other states

AL AR AZ CA CO CT DC FL GA HI IA ID IL IN KS KY LA MA MD ME MN MO MS NC NE NH NJ NM NV NY OH OK OR PA SC TN TX UT VA WA WI WV

Real-world data for this exam

Claims Adjusters, Examiners, and Investigators: real median wage (MI)May 2025$78,850/yr

Frequently asked questions

How many questions are on the CertQuestUSA Claims Adjuster (Michigan) practice test?

160 questions total, split into 3 full papers of 50 each with no repeats across papers.

What topics does the Claims Adjuster (Michigan) test cover?

11 domains, with the heaviest weight on Adjuster Role, Claim Process, Ethics, and Communication (16%), Auto Liability, Casualty, and Bodily Injury Claims (16%), and Investigation, Documentation, Estimating Damages, and Settlement (16%).

Where do CertQuestUSA's Claims Adjuster (Michigan) questions come from?

Primarily content.naic.org (74%) and MCL (18%) of this bank's citations -- computed directly from this exam's own question sources, not a generic description.

Is there a free diagnostic for Claims Adjuster (Michigan)?

Yes -- 10 real questions across the exam's domains, no sign-up required, with a domain-by-domain breakdown at the end.