Free Washington Claims Adjuster Practice Exam Online

Correct answer: B. 18 years old.

This is correct because RCW 48.17.380 requires that an adjuster license applicant be at least 18 years old.

• A: This is incorrect because 25 is not the age threshold set by RCW 48.17.380 for adjuster licensure.
• C: This is incorrect because 21 is not the age threshold set by RCW 48.17.380 for adjuster licensure.
• D: This is incorrect because RCW 48.17.380 does impose a minimum age of 18 as one of its qualification standards.

Correct answer: A. Washington issues separate licenses for independent adjusters, public adjusters, and crop adjusters, each requiring its own application and full license fee.

This is correct because RCW 48.17.390 states that separate licenses are required for each type of adjuster and that the full license fee must be paid for each license held.

• B: This is incorrect because RCW 48.17.390 expressly requires separate licenses for each adjuster type rather than a single combined license covering all categories.
• C: This is incorrect because Washington operates an active adjuster licensing program under RCW 48.17 administered by the Office of the Insurance Commissioner.
• D: This is incorrect because Washington licenses independent adjusters, who work on behalf of insurers, in addition to public adjusters, so independent and staff adjusters are not exempt.

Correct answer: C. On behalf only of insurers.

This is correct because RCW 48.17.410 authorizes independent adjusters to investigate and negotiate claims on behalf only of insurers.

• A: This is incorrect because the statute ties authority to license type, not to who is paying the adjuster.
• B: This is incorrect because RCW 48.17.410 bars a dual-licensed adjuster from representing both parties in the same transaction, and an independent adjuster alone represents only insurers.
• D: This is incorrect because acting only on behalf of insureds describes the public adjuster's authority under RCW 48.17.410, not the independent adjuster's.

Correct answer: C. The insured.

This is correct because RCW 48.17.410 authorizes public adjusters to act on behalf only of insureds in investigating and negotiating claims.

• A: This is incorrect because the producer who sold the policy has no defined role in the public adjuster's statutory authority under RCW 48.17.410.
• B: This is incorrect because a public adjuster is a paid representative of the insured, not a neutral state fact-finder.
• D: This is incorrect because representing the insurer describes the independent adjuster's role under RCW 48.17.410, not the public adjuster's.

Correct answer: A. The dual-licensed adjuster may not represent both the insurer and the insured in the same transaction.

This is correct because RCW 48.17.410 states that an adjuster licensed as both an independent and a public adjuster shall not represent both the insurer and the insured in the same transaction.

• B: This is incorrect because the statute imposes an outright bar on dual representation in one transaction rather than a default-to-insurer rule.
• C: This is incorrect because Washington keeps independent and public adjuster licenses as separate categories under RCW 48.17.390, so they are not merged into one unrestricted license.
• D: This is incorrect because the statute does not create a disclosure-based exception; dual representation in the same transaction is simply prohibited.