Under Utah Code, which adjuster type is required to hold a state adjuster license before handling claims for compensation?
A. An independent adjuster who contracts to handle claims on behalf of one or more insurers
B. A staff adjuster who is a regular salaried employee of a single insurer and not an independent contractor
C. A claims examiner who only reviews closed files for quality assurance
D. An insurance producer who sells but never adjusts policies
Source: Utah Code § 31A-26-203
How does Utah Code define a "public adjuster" for licensing purposes?
A. A person who investigates claims exclusively for a state guaranty association
B. A person who represents insureds or claimants, rather than insurers, in adjusting claims under an insurance policy
C. A person who represents an insurer in evaluating and settling claims
D. A government employee who audits insurer claim files for regulatory compliance
Source: Utah Code § 31A-26-201
An out-of-state independent adjuster wants to handle a catastrophe claim in Utah after a windstorm. What must this person generally do before adjusting Utah claims?
A. Nothing, since adjusters are automatically authorized to work in any state
B. Register only with the county sheriff's office in the county where the loss occurred
C. Obtain a Utah nonresident adjuster license, or otherwise qualify under Utah's licensing and registration provisions, before adjusting claims located in Utah
D. Wait 12 months of Utah residency before doing any claims work
Source: Utah Code § 31A-26-203
Which of the following individuals is exempt from Utah's adjuster license requirement under Utah Code § 31A-26-201?
A. An independent adjuster hired under contract by several different insurers
B. A public adjuster representing a homeowner in a fire claim
C. A public adjusting firm soliciting business after a hailstorm
D. A regular salaried claims employee of a single insurance company who is not an independent contractor
Source: Utah Code § 31A-26-201
Utah issues adjuster license classifications, including property and casualty, accident and health, crop, and workers' compensation. Why would an adjuster need more than one classification?
A. Because each classification authorizes the adjuster to handle claims only within that specific line of insurance, so an adjuster working across multiple lines needs a classification for each
B. Because a single classification automatically authorizes handling of every claim type
C. Because classifications determine the adjuster's home state of residence
D. Because classifications are only relevant to public adjusters, never to independent adjusters
Source: General national claims-adjusting practice
