A claim check is issued to an Arizona insured. What does A.R.S. 20-321.02 say about the adjuster endorsing it?A.R.S. 20-321.02(D)
A fire is still burning at an Arizona home and firefighters are on scene. What may an adjuster not do under A.R.S. 20-321.02?A.R.S. 20-321.02(B)
A licensed Arizona adjuster retains an engineer only to give technical help on a claim. Is the engineer an adjuster?A.R.S. 20-321(2)
A resident of Canada holds another state's adjuster license. What authority may an Arizona license give that person under A.R.S. 20-321.01(G)?A.R.S. 20-321.01(G)
A salaried employee of an insurer is not an 'adjuster' under Arizona law. What makes an employee 'salaried' for this rule?A.R.S. 20-321(2)
A.R.S. 20-284 applies to Arizona adjusters. Within what period before the license application must the examination have been passed?A.R.S. 20-284(A)
A.R.S. 20-321.01 sets an age floor for an Arizona adjuster license. What is it?A.R.S. 20-321.01(C)
A.R.S. 20-321.03 lets certain salaried employee adjusters be licensed without Arizona's exam. What must the employee have held before January 1, 2026?A.R.S. 20-321.03(A)
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Adjuster licensing and renewal, continued
After adjusting a fire claim on an Arizona building, the adjuster is offered the rebuilding job. Which of these does A.R.S. 20-321.02(C) bar the adjuster from doing?A.R.S. 20-321.02(C)
An adjuster candidate sits Arizona's examination. Under A.R.S. 20-284(D), which 20-321.02 applies to adjusters, how long may the result take to arrive?A.R.S. 20-284(D)
An application for the same Arizona license arrives more than a year after it expired. How is it treated?A.R.S. 20-289(E)
An Arizona adjusting firm plans to trade under an assumed name. At what point does A.R.S. 20-297(A) require notice to the director?A.R.S. 20-297(A)
An Arizona insurance producer helps adjust a loss. When is the producer outside the definition of 'adjuster'?A.R.S. 20-321(2)
An Arizona license expired four months ago. What late renewal fee is added to the quadrennial license fee?A.R.S. 20-289(E)
An Arizona licensee asks for a license in a trade name. Who may get one under A.R.S. 20-297(D)?A.R.S. 20-297(D)
An Arizona licensee is ordered into active military service and asks for inactive status. What does A.R.S. 20-289.01 do to the renewal deadlines?A.R.S. 20-289.01(D)
An individual fails the Arizona examination for one line of authority four times. How long is the wait before another attempt at that line?A.R.S. 20-284(H)
An individual in Arizona adjusts only workers' compensation claims. Under A.R.S. 20-321, is that person an 'adjuster' who needs the license?A.R.S. 20-321(2)
An insurer sends an adjuster licensed in another state to Arizona after a catastrophe. For which work is no Arizona license needed?A.R.S. 20-321.01(D)
The Arizona director examines an adjuster's affairs. When does the adjuster pay the cost of the examination?A.R.S. 20-142(C)
Arizona excludes individuals who only collect claim information and enter data. How many of them may one licensed adjuster or producer supervise?A.R.S. 20-321(2)
Arizona waives the adjuster exam for holders of an approved claims certificate. How much preexamination course work must that certification program have?A.R.S. 20-321.01(C)
By what date must an application under Arizona's exam-free path for salaried employee adjusters be submitted?A.R.S. 20-321.03(A)
For A.R.S. 20-321, whose claims work makes a paid person an 'adjuster' in Arizona?A.R.S. 20-321(2)
For Arizona's inactive license status, what does 'active military service' not include?A.R.S. 20-289.01(E)
How long does an Arizona adjuster license issued under A.R.S. 20-321.03 stay valid and renewable?A.R.S. 20-321.03(C)
How many times may an individual take an Arizona insurance license examination for one line of authority within twelve months?A.R.S. 20-284(H)
How often does a license issued under Arizona's licensing article expire?A.R.S. 20-289(B)
In A.R.S. 20-321, an 'automated claims adjudication system' resolves claims under which insurance?A.R.S. 20-321(3)
In Arizona's adjuster article, what does 'adjust' mean?A.R.S. 20-321(1)
On what day does an individual's Arizona license expire under A.R.S. 20-289?A.R.S. 20-289(B)
What may a person licensed under A.R.S. 20-321.03, the salaried employee path, not do?A.R.S. 20-321.03(B)
Which residence qualifies a person for an Arizona adjuster license under A.R.S. 20-321.01?A.R.S. 20-321.01(C)
Reports, discipline and penalties 12
A business entity's Arizona license is revoked. When may one of its officers still be issued a license during the revocation?A.R.S. 20-296(B)
A claimant was harmed by an Arizona adjuster's violation. Apart from penalties, what may the director order under A.R.S. 20-295(F)(3)?A.R.S. 20-295(F)
A court enters a criminal conviction against an Arizona licensee. A.R.S. 20-301(B) counts thirty days from which date?A.R.S. 20-301(B)
A regulator in another jurisdiction disciplines an Arizona licensee. What deadline does A.R.S. 20-301(A) set for the report?A.R.S. 20-301(A)
A.R.S. 20-295 caps how long the Arizona director may suspend a license. At what?A.R.S. 20-295(A)
A.R.S. 20-295 lists causes for denying or revoking an Arizona license. Which of these is on the list?A.R.S. 20-295(A)
After a hearing, what civil penalty may the Arizona director impose for each unintentional violation, and up to what total?A.R.S. 20-295(F)
After a revocation, A.R.S. 20-296 makes a former Arizona licensee wait before any new license. How long?A.R.S. 20-296(A)
An Arizona licensee breaks the insurance title on purpose. What civil penalty per violation, and what total, does A.R.S. 20-295(F) allow?A.R.S. 20-295(F)
An Arizona licensee under investigation surrenders the license. Can the director still impose a penalty?A.R.S. 20-295(H)
The Arizona director believes a person is acting as an adjuster without a license. Besides a cease and desist order, where may a complaint to enjoin the person be filed?A.R.S. 20-292
When may the Arizona director act against a business entity's license for an individual licensee's violation?A.R.S. 20-295(B)
Claim settlement and fraud 19
A person knowingly gives an Arizona insurer a statement with an untrue material fact about a claim for payment. What is this under A.R.S. 20-463?A.R.S. 20-463(A)
A.R.S. 20-461 lists claim-handling acts. How often must an Arizona insurer commit one before it is an unfair claim settlement practice?A.R.S. 20-461(A)
A.R.S. 20-461 names something that must come with a claim payment to an Arizona insured. What?A.R.S. 20-461(A)
After a loss, an Arizona insured assigns the claim to a repair contractor. What must a property or casualty insurer do under A.R.S. 20-461?A.R.S. 20-461(A)
An Arizona adjuster reports suspected insurance fraud to the department in good faith. What protection does A.R.S. 20-463 give?A.R.S. 20-463(B)
An Arizona insurer believes a fraudulent claim is being made. What must it do under A.R.S. 20-466?A.R.S. 20-466(G)
An Arizona insurer denies liability under a motor vehicle liability policy solely because of a medical condition that could affect its insured's driving. What does A.R.S. 20-461 require first?A.R.S. 20-461(A)
An Arizona insurer recommends a glass repair facility for a windshield claim. What must it tell the person at the same time?A.R.S. 20-469
An Arizona insurer's claim form must carry a warning about false or fraudulent claims. In what type size?A.R.S. 20-466.03(A)
An Arizona policyholder wants to sue an insurer under A.R.S. 20-461 itself. What does subsection D say?A.R.S. 20-461(D)
An Arizona repair estimate uses aftermarket crash parts not made by or for the vehicle's manufacturer. In what type size must the required notice be printed?A.R.S. 20-461(A)
Arizona's timely payment statute charges no interest on a first party claim in which case?A.R.S. 20-462(C)
For Arizona's thirty-day payment rule, on what date is a mailed claim payment deemed received?A.R.S. 20-462(B)
In writing rules under Arizona's unfair claim settlement statute, what must the director follow to the extent appropriate?A.R.S. 20-461(C)
Someone adjusts Arizona claims on behalf of an insurer that holds no Arizona authority. How does A.R.S. 20-106 treat that work?A.R.S. 20-106(B)
Thirty days pass after an Arizona insurer receives a complete, acceptable proof of loss on a first party claim, and it has not paid. What does A.R.S. 20-462 add to what it owes?A.R.S. 20-462(A)
What class of crime is insurance fraud committed with intent to injure, defraud or deceive an insurer in Arizona?A.R.S. 20-466.01
What powers does an investigator of Arizona's insurance fraud unit have while acting in the course of employment?A.R.S. 20-466(D)
Which role does A.R.S. 20-463 name as unlawful when used to present false insurance claims in Arizona?A.R.S. 20-463(A)
Cancellation, nonrenewal and auto coverage 24
A household driver, not the named insured, has a license suspended. How may an Arizona named insured keep the motor vehicle policy from being cancelled?A.R.S. 20-1631(F)
A.R.S. 20-1631 lets an Arizona insurer cancel a motor vehicle policy for certain driving convictions. How far back before the policy's effective date may the conviction be?A.R.S. 20-1631(D)
A.R.S. 20-1654 sets the notice for not renewing an Arizona homeowner's policy. How long before the policy period ends?A.R.S. 20-1654(A)
A.R.S. 28-4009 raised Arizona's required motor vehicle liability limits for policies issued or renewed from July 1, 2020. To what?A.R.S. 28-4009(A)
After an Arizona private passenger motor vehicle policy has been in effect how long may the insurer cancel only for the reasons A.R.S. 20-1631 lists?A.R.S. 20-1631(D)
An Arizona business policy is cancelled under A.R.S. 20-1673 for a substantial change in the risk. How much notice goes to the insured's agent and the named insured?A.R.S. 20-1674(A)
An Arizona commercial insurer sends its notice of nonrenewal less than forty-five days before expiration. What happens to the coverage?A.R.S. 20-1676(E)
An Arizona driver is late with the second installment on a motor vehicle policy. How long is the grace period A.R.S. 20-1632.01 guarantees?A.R.S. 20-1632.01(A)
An Arizona homeowner calls the insurer only to ask whether the policy would cover a loss. How may the insurer treat the call?A.R.S. 20-1652(F)
An Arizona homeowner's policy has been in force sixty days. Which of these is a ground for a valid notice of cancellation under A.R.S. 20-1652?A.R.S. 20-1652(A)
An Arizona insurer cancels a motor vehicle policy without the notice contents A.R.S. 20-1632 requires. What is the effect?A.R.S. 20-1632(B)
An Arizona insurer will not renew a motor vehicle policy for a reason other than nonpayment. How far ahead must the notice be sent?A.R.S. 20-1632(A)
An Arizona motor vehicle cancellation notice must tell the named insured of a right to complain to the director. Within what time?A.R.S. 20-1632(A)
An Arizona motor vehicle policy is cancelled for a reason other than nonpayment. How many days' notice must the named insured get?A.R.S. 20-1632(A)
An Arizona motor vehicle policy is cancelled for nonpayment after the grace period. When is the cancellation effective?A.R.S. 20-1632.01(B)
An Arizona property insurer will not renew because of the condition of the premises. What must the insured be given first?A.R.S. 20-1652(B)
How may an Arizona motor vehicle liability policy exclude a named person as an insured when driving?A.R.S. 28-4009(A)
In Arizona, a liability insurer cannot pay because it is insolvent. How does A.R.S. 20-259.01 treat the vehicle it insured?A.R.S. 20-259.01(D)
In what limits must an Arizona auto insurer offer uninsured motorist coverage to the named insured, by written notice?A.R.S. 20-259.01(A)
Under A.R.S. 20-259.01, which document is the final expression of an Arizona named insured's decision to buy or reject uninsured motorist coverage?A.R.S. 20-259.01(A)
What must an Arizona notice cancelling a property policy state under A.R.S. 20-1653?A.R.S. 20-1653
When does underinsured motorist coverage apply to an Arizona accident under A.R.S. 20-259.01(G)?A.R.S. 20-259.01(G)
Which ground for cancelling an Arizona commercial policy must be stated in the policy under A.R.S. 20-1673?A.R.S. 20-1673(B)
Which of these may an Arizona insurer not use as the sole reason to cancel a motor vehicle policy?A.R.S. 20-1631(C)
Federal law: 18 U.S.C. 1033 and 1034 9
A person convicted of a felony involving dishonesty or a breach of trust willfully engages in the interstate business of insurance. What is the longest prison term under 18 U.S.C. 1033(e)?18 U.S.C. 1033(e)
An insurance executive willfully lets a person barred by 18 U.S.C. 1033(e) take part in the business. What does the executive face?18 U.S.C. 1033(e)
An insurer's employee willfully embezzles premiums worth no more than $5,000. What is the longest prison term under 18 U.S.C. 1033(b)?18 U.S.C. 1033(b)
The Attorney General has reason to believe a person is engaged in conduct that is an offense under 18 U.S.C. 1033. What may the Attorney General ask a district court for under section 1034(b)?18 U.S.C. 1034(b)
In 18 U.S.C. 1033, what does the 'business of insurance' mean?18 U.S.C. 1033(f)
Under 18 U.S.C. 1033(a), a knowingly false material statement to an insurance regulator carries up to 10 years in prison. When does the limit rise to 15 years?18 U.S.C. 1033(a)
What lets a person with a felony conviction involving dishonesty lawfully work in the business of insurance under 18 U.S.C. 1033(e)(2)?18 U.S.C. 1033(e)
What standard of proof applies in a civil penalty action under 18 U.S.C. 1034?18 U.S.C. 1034(a)
Who may bring the civil action for conduct that is an offense under 18 U.S.C. 1033, and what is the civil penalty for each violation?18 U.S.C. 1034(a)
How this list was compiled: Arizona Revised Statutes, Title 20 (sections 20-106, 20-142, 20-259.01, 20-284, 20-289, 20-289.01, 20-292, 20-295, 20-296, 20-297, 20-301, 20-321 to 20-321.03, 20-461 to 20-463, 20-466, 20-466.01, 20-466.03, 20-469, 20-1631 to 20-1632.01, 20-1652 to 20-1654, 20-1673, 20-1674 and 20-1676) and section 28-4009, read on October 12, 2026 on the Arizona Legislature's website (https://www.azleg.gov/arsDetail/?title=20), and 18 U.S.C. 1033 and 1034, read that day in the 2024 edition of the United States Code on the Government Publishing Office's site (https://www.govinfo.gov/content/pkg/USCODE-2024-title18/html/USCODE-2024-title18-partI-chap47-sec1033.htm). The topics and the sections asked follow the Insurance Regulation and Federal Laws and Regulations parts of the content outline of the Arizona Examination for Property and Casualty Insurance Adjuster, Series 13-36, with the Arizona statutes behind its fraud, cancellation and nonrenewal and automobile topics added, which the examination vendor of the Arizona Department of Insurance and Financial Institutions publishes at https://proctor2.psionline.com/media/programs/AZINS/propcasadj.pdf. Each question names its section and links to it. Licence: Own work. Every question, wrong choice and explanation was written for this site from the text of the law. Nothing comes from a testing vendor, a prep course or an exam question pool.
How it works
This unofficial Arizona adjuster license exam prep practice test asks the law parts of the Property and Casualty Insurance Adjuster exam, Series 13-36: 97 of our own questions, each naming its section. Not affiliated with the Arizona Department of Insurance and Financial Institutions.
Read the full guide
Practice test: Arizona insurance adjuster law in Series 13-36
Insurance Regulation is 6 percent of the outline and Federal Laws and Regulations 4 percent. The topics here follow those two parts: licensing under A.R.S. 20-321 to 20-321.02, discipline, claim settlement law and 18 U.S.C. 1033 and 1034. Arizona's fraud, cancellation and auto coverage statutes are added. Policy forms and the adjustment process are not asked.
Arizona adjusters practice test: newer law than the outline
Senate Bill 1415 added A.R.S. 20-321.03 on September 12, 2026: a resident salaried employee who held a designated home state adjuster license in another state before 2026 may be licensed without the Arizona exam. Four questions ask it. The claim rule R20-6-801 is not asked.
Exam mode
Exam mode draws 75 questions in 75 minutes, half the real length at the real pace.
An adjuster may not offer to represent an insured while the loss is still happening or the fire department is on scene (A.R.S. 20-321.02).
A first party claim unpaid 30 days after an acceptable proof of loss earns interest at the legal rate (A.R.S. 20-462).
A license expires every four years, when the licensee's birth month ends (A.R.S. 20-289).
Questions and answers
How many questions are on the Arizona adjuster exam?
The content outline of the Property and Casualty Insurance Adjuster exam, Series 13-36, lists 150 items and 2.5 hours. It prints no pass mark, so this page gives a score without a verdict.
Are there AZ adjuster license free practice tests here?
Yes. All 97 questions are open, and your answers stay in your browser. The questions were written for this page from the statutes; none comes from the state exam, and the Arizona Department of Insurance and Financial Institutions did not write or review them.
How many times can I take the Arizona adjuster exam?
A.R.S. 20-284 allows an examination for one line of authority no more than four times within a twelve month period. After four failures the wait for that line is one year.
Who needs an adjuster license in Arizona?
Under A.R.S. 20-321.01, nobody may act as or claim to be an adjuster without a license. A.R.S. 20-321 leaves out salaried employees of insurers, attorneys, producers adjusting losses on policies they procured and people who adjust only workers' compensation claims.