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Claims Adjuster (New Jersey)

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

Claims Adjuster (New Jersey): a 161-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 (73%) and N.J.A.C. 11:2-17.7 (3%) of this exam's citations.

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3
full papers, no repeats
50
questions per paper
161
questions in the bank
What this exam covers
5 real sample questions
Under New Jersey's Public Adjusters' Licensing Act, which of the following individuals is required to hold a license from the Department of Banking and Insurance (DOBI) in order to adjust claims in New Jersey?
A. A public adjuster who is retained by a policyholder to negotiate and settle a claim against the policyholder's own insurer
B. A company employee who reviews claim files internally but never contacts the claimant
C. A staff adjuster who works exclusively for a single insurance company investigating and settling that insurer's own claims
D. An independent adjuster retained by an insurer under contract to handle overflow claims on the insurer's behalf
Source: N.J.S.A. 17:22B-3
New Jersey's adjuster licensing scheme is distinctive compared to many other states in that it:
A. Requires every category of adjuster, including staff and independent adjusters working for insurers, to be individually licensed
B. Licenses only public adjusters, who represent policyholders, while staff and independent adjusters working on behalf of insurers are not required to hold an adjuster license
C. Requires public adjusters to hold a full resident producer license rather than a distinct public adjuster license
D. Exempts public adjusters from licensure but requires insurer-side adjusters to be licensed
Source: N.J.S.A. 17:22B-1 et seq.
A homeowner in Toms River hires an adjusting professional to represent her exclusively in negotiating a wind-damage claim with her own homeowners insurer. Under New Jersey law, this professional is acting as a:
A. Staff adjuster
B. Independent adjuster
C. Public adjuster, who must hold a New Jersey public adjuster license
D. Appraiser, who is exempt from all DOBI licensure
Source: N.J.S.A. 17:22B-3
An out-of-state catastrophe adjuster is dispatched by an insurer to New Jersey after a coastal storm to adjust that insurer's own flood and wind claims. Under New Jersey's licensing structure, this adjuster:
A. May work claims for only 24 hours before licensure is required
B. Must be sponsored by a New Jersey-resident public adjuster to work in the state
C. Must obtain a New Jersey public adjuster license before touching any claim file
D. Is not required to hold a New Jersey adjuster license because they are working on the insurer's behalf, not the insured's
Source: N.J.S.A. 17:22B-3
Which statement best explains why New Jersey created a separate licensing act specifically for public adjusters rather than folding them into the general insurance producer licensing statute?
A. Public adjusters represent policyholders in disputes against insurers for compensation, a fundamentally different consumer-protection role than selling or servicing policies, warranting distinct licensing standards, a contract-form mandate, and a bond requirement
B. New Jersey has no general producer licensing statute, so a separate act was the only option
C. Federal law mandates that public adjusters be licensed under a statute separate from producers
D. Public adjusters sell insurance policies and therefore need producer-style product knowledge testing
Source: N.J.S.A. 17:22B-3
Same exam, other states
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Real-world data for this exam
Claims Adjusters, Examiners, and Investigators: real median wage (NJ)May 2025$95,690/yr

Frequently asked questions

How many questions are on the CertQuestUSA Claims Adjuster (New Jersey) practice test?
161 questions total, split into 3 full papers of 50 each with no repeats across papers.
What topics does the Claims Adjuster (New Jersey) 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 (New Jersey) questions come from?
Primarily content.naic.org (73%) and N.J.A.C. 11:2-17.7 (3%) 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 (New Jersey)?
Yes -- 10 real questions across the exam's domains, no sign-up required, with a domain-by-domain breakdown at the end.
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