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Free New York Adjuster License Practice Test Online

Official exam: Claims Adjuster (New York)

Take a free New York Adjuster License practice test online: a full 50-question paper with every answer explained, no sign-up, scored by topic. The full 166-question bank and the timed simulator are $14.99 for 30 days.

First published: September 2, 2026Bank updated: September 2, 2026Published by CertQuestUSA · review process
TL;DR

Claims Adjuster (New York): a 166-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 full papers of 50 questions each with no repeats, every question written to the regulation it comes from.

Where these questions come from

Every question in this bank cites a source -- primarily content.naic.org (71%) and N.Y. Insurance Law (13%) of this exam's citations.

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3
full papers, no repeats
50
questions per paper
166
questions in the bank
What this exam covers
5 real sample questions
Under New York Insurance Law Section 2108(a), a person may not act in New York on behalf of an insurer in investigating and adjusting claims unless licensed as what?
A. An independent adjuster
B. A public adjuster
C. An insurance producer
D. A claims consultant
Show answer and reasoning

Correct answer: A. An independent adjuster

  • B: A public adjuster is licensed to act on behalf of the insured (policyholder), not the insurer, under Section 2108(a).
  • C: The producer license under Article 21 governs selling and servicing policies, not investigating and adjusting claims on an insurer's behalf.
  • D: "Claims consultant" is not a license category created by Section 2108; New York's adjuster licenses are independent adjuster and public adjuster.
Source: N.Y. Insurance Law Section 2108(a)
Under Section 2108(a), a person who investigates and adjusts claims in New York on behalf of the insured (the policyholder) must be licensed as what?
A. An independent adjuster
B. A public adjuster
C. A staff adjuster
D. A general agent
Show answer and reasoning

Correct answer: B. A public adjuster

  • A: Independent adjusters act on behalf of the insurer, not the insured, under Section 2108(a).
  • C: "Staff adjuster" is a common industry term but is not a separate license category defined by Section 2108; a salaried company employee is exempt from independent adjuster licensing under Section 2101(g), not licensed under a distinct 'staff adjuster' credential.
  • D: A general agent license relates to producer authority to appoint sub-agents, not to claims adjusting on behalf of an insured.
Source: N.Y. Insurance Law Section 2108(a)
Under Insurance Law Section 2101(g), an 'independent adjuster' is defined, in relevant part, as a person, firm, association, or corporation who does what?
A. Acts in New York on behalf of an insured to negotiate claim payment
B. Sells property and casualty insurance policies to consumers on a commission basis
C. Acts in New York on behalf of an insurer, for money, commission, or other compensation, in investigating and adjusting claims arising under insurance contracts
D. Reviews completed claim files for an insurer solely for internal quality-assurance purposes without contacting claimants
Show answer and reasoning

Correct answer: C. Acts in New York on behalf of an insurer, for money, commission, or other compensation, in investigating and adjusting claims arising under insurance contracts

  • A: Acting on behalf of the insured describes a public adjuster's role, not the Section 2101(g) definition of independent adjuster.
  • B: Selling policies for commission describes a producer's role under Article 21, not the adjusting activity defined in Section 2101(g).
  • D: Purely internal file review without engaging claimants is not the activity Section 2101(g) targets; the definition centers on investigating and adjusting claims for compensation.
Source: N.Y. Insurance Law Section 2101(g)
Which statement correctly describes New York's structural approach to adjuster licensing under Article 21?
A. New York issues a single unified 'adjuster' license covering both insurer-side and insured-side claims work
B. New York does not license adjusters at all and relies entirely on producer licensing
C. New York licenses adjusters only if they handle claims exceeding $50,000
D. New York licenses independent adjusters and public adjusters as two distinct categories, tied to which party (insurer or insured) the adjuster represents
Show answer and reasoning

Correct answer: D. New York licenses independent adjusters and public adjusters as two distinct categories, tied to which party (insurer or insured) the adjuster represents

  • A: Section 2108(a) does not create one merged license; it separately requires independent adjuster licensure for insurer-side work and public adjuster licensure for insured-side work.
  • B: New York does license adjusters separately from producers, under Sections 2101(g) and 2108.
  • C: New York's licensing requirement under Section 2108 is not tied to a dollar threshold for the claim being adjusted.
Source: N.Y. Insurance Law Section 2108(a)
Under Insurance Law Section 2101(g)(1), which individual is exempt from the requirement to hold an independent adjuster's license when adjusting claims for their employer?
A. An officer, director, or regular salaried employee of an authorized insurer
B. Any independent contractor retained by an insurer on a per-claim basis
C. Any employee of a third-party administrator handling claims for an insurer
D. Any licensed public adjuster handling a claim for a policyholder
Show answer and reasoning

Correct answer: A. An officer, director, or regular salaried employee of an authorized insurer

  • B: An independent contractor retained per-claim is not within the officer/director/regular-salaried-employee exemption and generally must be licensed.
  • C: DFS guidance interpreting Section 2101(g) has held that this exemption applies to employees of the authorized insurer itself, not to employees of an outside third-party administrator adjusting on the insurer's behalf.
  • D: Public adjusters are a separately licensed category representing the insured; the Section 2101(g) exemption discussed here concerns insurer-side staff, not public adjusters.
Source: N.Y. Insurance Law Section 2101(g); NY DFS OGC Opinion No. 03-10-34
Same exam, other states
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Real-world data for this exam
Claims Adjusters, Examiners, and Investigators: real median wage (NY)May 2025$87,130/yr

Frequently asked questions

Where can I take a free New York Adjuster License practice test online?
Right here. CertQuestUSA's free New York Adjuster License practice test online is a full 50-question practice paper built to the real exam's domain weights, with every answer explained, with no sign-up and no credit card, and shows your score by topic at the end. The full 166-question bank, with every answer explained and cited to the regulation it comes from, is $14.99 for a 30-day pass that never renews.
How many questions are on the CertQuestUSA Claims Adjuster (New York) practice test?
166 questions total, split into 3 full papers of 50 each with no repeats across papers.
What topics does the Claims Adjuster (New York) test cover?
14 domains, with the heaviest weight on Adjuster Role, Claim Process, Ethics, and Communication (15%), Auto Liability, Casualty, and Bodily Injury Claims (15%), and Investigation, Documentation, Estimating Damages, and Settlement (15%).
Where do CertQuestUSA's Claims Adjuster (New York) questions come from?
Primarily content.naic.org (71%) and N.Y. Insurance Law (13%) of this bank's citations -- computed directly from this exam's own question sources, not a generic description.
Is there a free Claims Adjuster (New York) practice test?
Yes -- one full 50-question practice paper built to the exam's domain weights, free with no sign-up, with every answer explained and a domain-by-domain score at the end.
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