Free Nevada Claims Adjuster Practice Exam Online

Correct answer: A. Investigating, negotiating, or settling a claim under a policy of insurance

Correct. NRS 684A.020 defines an adjuster as a person who, for compensation, investigates, negotiates, or settles claims arising under insurance policies on behalf of an insurer or self-insurer.

• B: Selling policies is producer/agent activity licensed under a different chapter (NRS 683A), not adjusting.
• C: Underwriting is a risk-selection function performed by insurer staff and does not require an adjuster license.
• D: Processing premium payments is a clerical/accounting function unrelated to claim investigation or settlement.

Correct answer: D. Independent adjuster

Correct. NRS 684A.030 defines an independent adjuster as one who contracts with insurers as an independent contractor to investigate, negotiate, or settle claims on the insurer's behalf.

• A: A company adjuster is a salaried employee of a single insurer, not an independent contractor working for multiple insurers.
• B: A staff adjuster is likewise a direct employee of an insurer, not a contracted third party.
• C: A public adjuster represents the policyholder/claimant against the insurer, not the insurer itself.

Correct answer: C. The insured or claimant, for a fee paid by that insured or claimant

Correct. Under NRS 684A.030, a public adjuster is retained by and represents the insured/claimant, typically for a percentage fee, in negotiating the claim against the insurer.

• A: The insurer is represented by its own staff, company, or independent adjusters, not by a public adjuster.
• B: Reinsurers are not parties to the first-party claim negotiation and are not represented by public adjusters.
• D: The Division of Insurance is the licensing regulator, not a party representative in individual claims.

Correct answer: A. Six months

Correct. The Nevada Division of Insurance states the criminal history report generated from fingerprinting is valid for only six months for licensing purposes.

• B: Ten years vastly overstates the validity window the Division actually applies to fingerprint-based background checks.
• C: The report does expire; applicants who delay too long must be refingerprinted.
• D: Thirty days is too short and does not match the Division's stated six-month validity period.

Correct answer: A. 24 total hours, with 3 hours in ethics

Correct. Nevada requires 24 hours of continuing education per three-year license term, of which 3 hours must specifically be ethics coursework.

• B: 12 hours understates the total requirement, and an ethics component is in fact mandatory.
• C: 40 total hours overstates Nevada's requirement; the actual figure is 24 hours.
• D: 12 hours of ethics overstates the ethics-specific requirement, which is 3 of the 24 hours.