• 72 questions

Arkansas Adjuster License Practice Test

Unofficial questions on Arkansas adjuster law and the claims settlement rule, each answer naming its Code section or rule.

How many hours of continuing education must a licensed Arkansas adjuster complete, unless exempt?

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Exam mode: 25 questions, 90 minutes, 18 right to pass (70%).

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Unofficial practice questions, not affiliated with the Arkansas Insurance Department. Bank checked October 15, 2026.

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All 72 questions

Adjuster license and education 25

  • A licensed Arkansas adjusting corporation changes one of its officers. Within how long must it notify the commissioner? Ark. Code 23-64-210(c)
  • A person holds both a nonexempt Arkansas producer license and an adjuster license. Which continuing education requirement applies? 23 CAR § 18-201(c)
  • An applicant has failed the Arkansas adjuster examination three times. What waiting period may the commissioner require before the next attempt? Ark. Code 23-64-209(b)
  • An Arkansas adjuster does not report a bankruptcy filing to the commissioner as required. What may follow? Ark. Code 23-64-201(e)
  • An Arkansas adjuster is charged with a crime. Within how long must the adjuster notify the Insurance Commissioner in writing? Ark. Code 23-64-201(e)
  • An Arkansas adjuster let the license lapse. Within how long after the fee's due date may it be reinstated without a written examination? Ark. Code 23-64-215(b)
  • An insurer sends an out-of-state adjuster into Arkansas for a catastrophe loss. No license is required if the adjuster notifies the commissioner in writing within how long of entering the state? Ark. Code 23-64-209(d)
  • An unlicensed catastrophe adjuster has notified the Arkansas commissioner. Within how long of that notification must the adjuster stop adjusting or obtain a license, absent an extension? Ark. Code 23-64-209(d)
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Adjuster license and education, continued

  • For how long is an Arkansas adjuster examination permit valid from the date it is issued? Ark. Code 23-64-209(b)
  • For which lines does the Arkansas commissioner issue an adjuster's license? Ark. Code 23-64-209(a)
  • For whom may an Arkansas "limited adjuster's license" be issued? Ark. Code 23-64-102(4)
  • How long does an Arkansas limited adjuster's license stay valid? Ark. Code 23-64-102(4)
  • How many hours of continuing education must a licensed Arkansas adjuster complete, unless exempt? Ark. Code 23-64-209(e)
  • How many hours of prelicensing instruction must an applicant for an Arkansas property adjuster license complete? 23 CAR § 14-103(f)
  • Must a licensed nonresident adjuster keep an office in Arkansas? Ark. Code 23-64-209(b)
  • On whose behalf does an "adjuster", as the Arkansas Insurance Code defines the word, investigate and negotiate settlement of claims? Ark. Code 23-64-102(4)
  • Under the continuing education rule, how many of an Arkansas adjuster's 24 hours in each two-year renewal cycle must be ethics? 23 CAR § 18-201(b)
  • Unlicensed persons who only collect claim information and enter data for portable electronics claims work under one licensed Arkansas adjuster. How many may that adjuster supervise? Ark. Code 23-64-102(4)
  • What must a resident Arkansas adjuster have and maintain in the state? Ark. Code 23-64-209(b)
  • When may the Arkansas commissioner waive the written examination for a nonresident adjuster applicant? Ark. Code 23-64-209(b)
  • Which adjuster is exempt from the continuing education subsection of the Arkansas adjuster qualifications section? Ark. Code 23-64-209(e)
  • Which adjusters does the Arkansas continuing education rule exempt? 23 CAR § 18-104
  • Which applicant for an Arkansas adjuster license is exempt from the prelicensing education rule? 23 CAR § 14-102(b)
  • Which person is NOT deemed an "adjuster" under the Arkansas Insurance Code? Ark. Code 23-64-102(4)
  • Within the 20-hour Arkansas casualty adjuster prelicensing course, how many hours go to unfair claims settlement practices and unfair trade practices? 23 CAR § 14-103(g)

Suspension, revocation and fraud reporting 11

  • A nonresident adjuster's home state license ceases to be active. What does the Arkansas commissioner do with the Arkansas license? Ark. Code 23-64-216(a)
  • A person in the business of insurance knowingly fails to report a fraudulent insurance act in Arkansas. What offense is that? Ark. Code 23-66-505(b)
  • A person was convicted of a felony involving dishonesty. What does that person need to take part in the business of insurance in Arkansas, absent a pardon or expungement? Ark. Code 23-66-502(c)
  • An Arkansas adjuster reasonably believes a fraudulent insurance act has been committed. What does the code require? Ark. Code 23-66-505(a)
  • An Arkansas adjusting corporation's license is revoked. When may one of its officers still be licensed during the revocation? Ark. Code 23-64-217(c)
  • An Arkansas nonresident adjuster receives notice of a summary suspension. Within how long of receipt may a hearing be requested? Ark. Code 23-64-216(a)
  • The Arkansas commissioner mails notice of a suspension to the licensee's address last of record. When is that notice deemed effectuated? Ark. Code 23-64-217(a)
  • Besides a penalty, what may the Arkansas commissioner order a licensee to do for persons harmed by a violation? Ark. Code 23-64-216(d)
  • Grounds exist to suspend an Arkansas adjuster's license, without willful misconduct. What administrative penalty may the commissioner impose per violation? Ark. Code 23-64-216(d)
  • How may the duty to report a suspected fraudulent insurance act in Arkansas be satisfied? 23 CAR § 27-104(a)
  • When may the Arkansas commissioner summarily suspend a license before an administrative hearing? Ark. Code 23-64-216(e)

Claim settlement standards 18

  • A claimant did not show the damaged property. Before an Arkansas insurer may deny the claim for that, what must it be able to prove? 23 CAR § 15-107(j)
  • A claimant notifies an Arkansas insurer's agent of a loss. Under the claims rule, what is the effect? 23 CAR § 15-105(b)
  • A first-party claim investigation in Arkansas stays incomplete. How often, at most, must the insurer send the claimant a letter giving the reasons more time is needed? 23 CAR § 15-107(b)
  • After receiving properly executed proofs of loss, within how long must an Arkansas insurer tell a first-party claimant whether the claim is accepted or denied? 23 CAR § 15-107(b)
  • An Arkansas insurer cannot finish its investigation within the rule's time. What must it do? 23 CAR § 15-106(b)
  • An Arkansas insurer denies a claim on the ground of a policy exclusion. What must the denial include? 23 CAR § 15-107(b)
  • An Arkansas insurer is negotiating directly with an unrepresented first-party claimant as a policy time limit nears. How far ahead must it give written notice that the limit may be expiring? 23 CAR § 15-107(e)
  • An Arkansas insurer issues a check in partial settlement under one coverage. What may the check NOT contain? 23 CAR § 15-107(j)
  • An Arkansas insurer negotiates directly with an unrepresented third-party claimant as the statute of limitations nears. How far ahead must written notice of the limit be given? 23 CAR § 15-107(e)
  • An Arkansas property insurer does not furnish proof of loss forms within 20 days after a loss is reported. What is the effect? Ark. Code 23-79-126(b)
  • The Arkansas State Insurance Department sends an insurer an inquiry about a claim. Within how long must the insurer give a reasonably adequate response? 23 CAR § 15-105(c)
  • Once a claim is processed, the investigation completed and the file closed and ready for payment, within how long must an Arkansas insurer mail or deliver the claim check? 23 CAR § 15-107(g)
  • To which policies does the Arkansas unfair claims settlement practices rule NOT apply? 23 CAR § 15-102(a)
  • What may an Arkansas insurer NOT ask of a first-party claimant when paying a claim? 23 CAR § 15-107(j)
  • What may an Arkansas insurer NOT require a claimant to do on a proof of loss form? 23 CAR § 15-105(b)
  • What must an Arkansas insurer's claim file contain? 23 CAR § 15-104(b)
  • Within how long after notification of a claim must an Arkansas insurer complete its investigation, unless that cannot reasonably be done? 23 CAR § 15-106(b)
  • Within how long after receiving notification of a claim must an Arkansas insurer acknowledge it, unless payment is made in that time? 23 CAR § 15-105(b)

Auto and property claims 18

  • An Arkansas auto insurer has reasonable proof of the no-fault benefits due for a period. After how long are unpaid benefits overdue? Ark. Code 23-89-208(b)
  • An Arkansas home is a total loss by fire. Under the valued policy law, what is the claim against the insurer? Ark. Code 23-88-101(a)
  • An Arkansas insurer deducts for salvage in a total loss settlement that departs from the standard methods. What must the deduction be? 23 CAR § 15-108(b)
  • An Arkansas insurer pays its insured's collision claim and pursues the at-fault party. What must its subrogation demand include? 23 CAR § 15-108(e)
  • An Arkansas insurer prepares an estimate of automobile repair costs. What must it do with the estimate? 23 CAR § 15-108(g)
  • An Arkansas insurer reduces an auto claim for betterment or depreciation. What does the rule require of the deductions? 23 CAR § 15-108(h)
  • An Arkansas insurer settles a first-party auto total loss by offering a comparable replacement automobile. Who pays the taxes, license fees and transfer fees? 23 CAR § 15-108(b)
  • An Arkansas property insurer fails to pay a loss within the time the policy specifies after demand. Besides the loss and attorney's fees, what damages does it owe the policyholder? Ark. Code 23-79-208(a)
  • An insured sues and wins overdue Arkansas no-fault benefits. Besides attorney's fees and interest, what penalty does the insurer pay? Ark. Code 23-89-208(f)
  • Liability and damages are reasonably clear. May an Arkansas insurer tell a third-party claimant to claim under the claimant's own policy just to avoid paying? 23 CAR § 15-108(c)
  • May an Arkansas insurer require a claimant to have the automobile repaired at a specific repair shop as a condition of recovery? 23 CAR § 15-108(d)
  • No comparable automobile is available in the local market area. On what may an Arkansas insurer base a cash settlement of a total loss? 23 CAR § 15-108(b)
  • Under Arkansas no-fault income disability benefits, what share of lost income from work is paid, up to the weekly maximum? Ark. Code 23-89-202(2)
  • What is the aggregate minimum medical and hospital benefit per person that an Arkansas private passenger auto liability policy must provide without regard to fault? Ark. Code 23-89-202(1)
  • What is the weekly maximum for an income earner's disability benefit under Arkansas's required first-party auto coverage? Ark. Code 23-89-202(2)
  • When do Arkansas no-fault income disability benefits begin? Ark. Code 23-89-202(2)
  • When may an Arkansas insurer deduct expenses from the deductible it recovers for its insured by subrogation? 23 CAR § 15-108(e)
  • Which kinds of insurance does Arkansas's valued policy law leave out? Ark. Code 23-88-101(a)

How this list was compiled: The Arkansas Insurance Department's rules as codified in the Code of Arkansas Rules and posted by the Department (https://portal.insurance.arkansas.gov/LegalPubsPublic/web/rules/index), read on October 15, 2026: 23 CAR part 15 (Unfair Claims Settlement Practices, formerly Rule 43), part 14 (Prelicense Education for Insurance Producers and Adjusters, formerly Rule 31), part 18 (Continuing Education for Producers and Adjusters, formerly Rule 50) and part 27 (Reporting of Fraudulent Insurance Acts, formerly Rule 67). Arkansas Code Title 23: sections 23-64-102, 23-64-201, 23-64-209, 23-64-210, 23-64-215 to 23-64-217, 23-66-502, 23-66-505, 23-79-126, 23-79-208, 23-88-101, 23-89-202 and 23-89-208. The statute text was read the same day in a public copy, not on a state site: Release 78 of the Arkansas Code of 1987, dated 2020-11-06, the bulk data of the Arkansas Code Revision Commission as posted by Public.Resource.Org on the Internet Archive (https://archive.org/details/gov.ar.code). Every section asked was then looked up in the Arkansas General Assembly's tables of Code Sections Amended for each session from 2021 to the 2026 fiscal session (https://www.arkleg.state.ar.us/Acts/CodeSectionsAmended); the one section an act has changed since the copy, 23-64-216(a), is asked from Act 397 of 2021 on the General Assembly's site. The topics follow the Arkansas General Adjuster, Property Adjuster and Casualty Adjuster content outlines that the Department's candidate bulletin of 6/18/2025 links (http://proctor2.psionline.com/programs/AKINS/gen.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 Arkansas adjuster license practice test asks the state-law side of the adjuster exams: 72 of our own questions from the Arkansas Code and the Insurance Department's rules, each naming its section. Not affiliated with the Arkansas Insurance Department.

Read the full guide

Four exams, one body of law

Arkansas gives four adjuster exams: General, Property, Casualty and Workers' Compensation. The Department's candidate bulletin of June 18, 2025 links a content outline for each.

What is asked here

The topics follow the outlines' law lines: adjuster licensing, suspension and revocation, unfair trade practices, claim settlement practices and loss settlement. Insurance definitions and policy forms are not asked, and the workers' compensation law is not covered.

Timed like the real exam

The timed test keeps the real exams' length, clock and pass mark, with every question on the law.

  • Acknowledge a claim in 15 working days, investigate within 45 calendar days, pay within 10 working days of closing (23 CAR §§ 15-105 to 15-107).
  • A catastrophe adjuster notifies the commissioner in writing within 10 business days, then has 90 days to finish or get licensed (Ark. Code 23-64-209).
  • No-fault benefits: $5,000 medical, 70 percent of lost income up to $140 a week, overdue after 30 days (Ark. Code 23-89-202, 23-89-208).

Questions and answers

How many questions are on the Arkansas adjuster exam?

Each of the four adjuster exams has 25 scoreable questions and 90 minutes, by its content outline. The candidate bulletin adds that 5 to 10 unscored experimental questions may appear, and that any three adjuster exams can be taken together.

What score passes the Arkansas adjuster exam?

70 percent. The Arkansas Insurance Department's candidate bulletin says you must get 70% correct to pass, and each adjuster content outline prints the same mark.

Is prelicensing education required for an Arkansas adjuster license?

Yes. The Department's rule asks property, casualty and workers' compensation adjuster applicants for a course of at least 20 hours (23 CAR § 14-103). Holders of a current certification from an approved claims association are exempt (23 CAR § 14-102).

Can a public adjuster work in Arkansas?

No. The Arkansas Insurance Department's licensing page says public adjusters are prohibited from adjusting claims in Arkansas. An adjuster under the Code acts on behalf of the insurer (Ark. Code 23-64-102).

Is this Arkansas adjuster license practice test free?

Yes. All 72 questions are open, and your answers stay in your browser. The questions were written for this page from the law itself; none comes from the state exam, and the Arkansas Insurance Department did not write or review them.

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