Claims Adjuster (Virginia)

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

TL;DR

Claims Adjuster (Virginia): a 159-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 Va. Code (21%) of this exam's citations.

Not sure where you stand? Take the free diagnostic — 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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3

full papers, no repeats

50

questions per paper

159

questions in the bank

What this exam covers

Adjuster Licensing Scope4%
Adjuster Role, Claim Process, Ethics, and Communication16%
Auto Liability, Casualty, and Bodily Injury Claims16%
Investigation, Documentation, Estimating Damages, and Settlement16%
Property Coverage: Standard Fire, Homeowners, and Commercial Property Claims16%
Public Adjuster Fees Trust Accounts3%
Public Adjuster Licensing Requirements4%
Public Adjuster Standards Conduct Contracts4%
Scc Enforcement Penalties3%
Subrogation, Salvage, Reinsurance, Catastrophe, Fraud, and Dispute Resolution16%
Unfair Claims Settlement Practices4%

5 real sample questions

Under Va. Code § 38.2-218, what is the maximum civil penalty per violation for a person who knowingly or willfully violates a provision of Title 38.2 (Insurance)?

A. $500

B. $5,000

C. $1,000

D. $25,000

Source: Va. Code § 38.2-218

Under § 38.2-218, what is the maximum penalty per violation for a person who violates a provision of Title 38.2 without knowledge or intent?

A. $250

B. $2,500

C. $1,000

D. $5,000

Source: Va. Code § 38.2-218

Under Virginia law, which category of insurance claims professional is required to hold a Commission-issued license to operate in the Commonwealth?

A. Public adjusters who represent policyholders for compensation

B. Staff adjusters employed directly by an insurer

C. Independent adjusters acting as independent contractors for insurers

D. Catastrophe adjusters deployed after a declared disaster

Source: Va. Code § 38.2-1845.2; § 38.2-1845.3

A claims examiner is employed full-time by a Virginia-licensed insurer to investigate and adjust first-party property claims on the insurer's behalf. Under Virginia law, what licensing obligation applies to this examiner?

A. The examiner must hold a resident independent adjuster license

B. The examiner is exempt from adjuster licensure as an employee of the insurer

C. The examiner must hold a public adjuster license

D. The examiner must complete SCC-approved pre-licensing education but need not sit for an exam

Source: Va. Code § 38.2-1845.3(A)

A company hires an adjuster who is not its employee but who contracts to adjust losses exclusively for that one insurer. Under § 38.2-1845.3, how is this adjuster treated?

A. Treated as a public adjuster requiring licensure because the adjuster is not a direct employee

B. Required to obtain a nonresident adjuster license regardless of residency

C. Exempt from public-adjuster licensure as an independent contractor adjusting on behalf of an insurer

D. Required to post the same $50,000 bond as a public adjuster

Source: Va. Code § 38.2-1845.3

Same exam, other states

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

Real-world data for this exam

Claims Adjusters, Examiners, and Investigators: real median wage (VA)May 2025$74,240/yr

Frequently asked questions

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

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

What topics does the Claims Adjuster (Virginia) 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 (Virginia) questions come from?

Primarily content.naic.org (74%) and Va. Code (21%) 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 (Virginia)?

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