A Connecticut adjuster interviews an injury claimant within 30 days before the statute of limitations runs and no settlement is reached. What do the regulations say fair practice requires?Answer: Do not mislead the claimant about a settlement; make any offer or rejection definite. Source: Regs. Conn. State Agencies § 38a-792-5
A Connecticut casualty claims adjuster pays the license fee for a period of how long?Answer: 2 years. Source: Conn. Gen. Stat. § 38a-792(a)(1)
A Connecticut resident wants to act as a casualty adjuster. Which license does the application statute call for?Answer: A resident license, on written application to the commissioner. Source: Conn. Gen. Stat. § 38a-769(a)
A corporation applies for a Connecticut casualty adjuster license. Who signs the application?Answer: A licensed officer. Source: Conn. Gen. Stat. § 38a-769(d)
A former Connecticut casualty claims adjuster reapplies. The commissioner may waive the examination if the applicant held the same type of license within what time before the application?Answer: 2 years. Source: Conn. Gen. Stat. § 38a-792(a)(2)
A licensed Connecticut producer has an insurer's authority to settle property damage losses. Up to what amount per loss may the producer settle without a casualty adjuster license?Answer: $1,500. Source: Regs. Conn. State Agencies § 38a-792-3
Show all 80 questions (74 more)
Casualty adjuster license, continued
A person sits a Connecticut insurance license examination in another applicant's place. What is the longest prison term for that impersonation?Answer: 6 months. Source: Conn. Gen. Stat. § 38a-773
A person wilfully misrepresents a fact in a Connecticut adjuster license application. What is the largest fine?Answer: $4,000. Source: Conn. Gen. Stat. § 38a-772
An adjuster licensed in another state and living outside Connecticut applies for a Connecticut casualty claims adjuster license. What may the commissioner do about the examination?Answer: Waive it, because the applicant holds an equivalent license. Source: Conn. Gen. Stat. § 38a-792(a)(2)
An adjuster lives in a state that issues no adjuster license. How may that person be licensed in Connecticut?Answer: Apply for a nonresident license and designate Connecticut as home state. Source: Conn. Gen. Stat. § 38a-769(c)
An adjuster settles only workers' compensation claims in Connecticut. Does the casualty adjuster license apply?Answer: Yes, the regulations list workers' compensation claims. Source: Regs. Conn. State Agencies § 38a-792-1
An applicant fails the Connecticut adjuster examination. What is the longest waiting period the commissioner may require before reexamination?Answer: 6 months. Source: Conn. Gen. Stat. § 38a-769(e)
Another state takes administrative action against a Connecticut-licensed adjuster. From what date do the 30 days to notify the Connecticut commissioner run?Answer: The entering of the administrative order in that state. Source: Conn. Gen. Stat. § 38a-771(b)
As a rule, what must an applicant hold before Connecticut grants a nonresident casualty adjuster license?Answer: An equivalent license from another state. Source: Conn. Gen. Stat. § 38a-769(b)
Besides passing the examination, what must each applicant for a Connecticut adjuster license show the commissioner?Answer: Good moral character and financial responsibility. Source: Conn. Gen. Stat. § 38a-769(e)
Besides state statutes and regulations, which code do Connecticut's regulations tell casualty adjusters to be guided by?Answer: The Code of Ethics of the National Association of Independent Insurance Adjusters. Source: Regs. Conn. State Agencies § 38a-792-4
Connecticut uses an independent testing service for license examinations. Who pays the fees that the service charges?Answer: The applicant. Source: Conn. Gen. Stat. § 38a-769(e)
How often may the Connecticut commissioner examine the books and records of a licensed adjuster to determine eligibility?Answer: As often as the commissioner deems necessary. Source: Conn. Gen. Stat. § 38a-769(h)
What is the most a person may be fined for adjusting casualty claims in Connecticut in violation of the adjuster licensing section?Answer: $2,000. Source: Conn. Gen. Stat. § 38a-792(c)
When does an initial Connecticut casualty claims adjuster license expire, unless revoked or suspended sooner?Answer: Two years after the licensee's birthday before the issue date. Source: Conn. Gen. Stat. § 38a-792(a)(1)
Which adjusters do Connecticut's casualty adjuster regulations say need no license?Answer: Fire insurance adjusters and life insurance adjusters. Source: Regs. Conn. State Agencies § 38a-792-2
Which event must a Connecticut casualty adjuster report to the Insurance Commissioner in writing within 30 days, with supporting documents?Answer: A bankruptcy proceeding. Source: Conn. Gen. Stat. § 38a-771(b)
Which person is exempt from Connecticut's casualty claims adjuster licensing section?Answer: A member of the Connecticut bar in general law practice. Source: Conn. Gen. Stat. § 38a-792(d)
Who issues the license a person needs before adjusting casualty claims for an insurance company in Connecticut?Answer: The Insurance Commissioner. Source: Conn. Gen. Stat. § 38a-792(a)(1)
Commissioner, hearings and penalties 9
A Connecticut adjuster appeals the commissioner's revocation of a license. In which judicial district is the appeal brought?Answer: New Britain. Source: Conn. Gen. Stat. § 38a-774(c)
A Connecticut insurance license held by a corporation is revoked. What happens to the licenses of its officers and directors?Answer: They are revoked too, unless the commissioner finds the person not personally at fault. Source: Conn. Gen. Stat. § 38a-774(b)
A Connecticut resident complains to the Insurance Department about a claim dispute. Which unit reviews the complaint and acts as mediator?Answer: The Division of Consumer Affairs. Source: Conn. Gen. Stat. § 38a-9(a)
A hearing on a Connecticut adjuster's license is held by someone the commissioner designated. What must that hearing officer give the commissioner?Answer: A memorandum of findings and recommendations. Source: Conn. Gen. Stat. § 38a-774(a)
A person obtained money in violation of Connecticut's insurance title. Which order does the statute on the commissioner's duties expressly allow?Answer: Restitution of the sums, plus interest. Source: Conn. Gen. Stat. § 38a-8(a)
How does a person become Connecticut's Insurance Commissioner?Answer: Appointment by the Governor. Source: Conn. Gen. Stat. § 38a-7
To whom does the Connecticut Insurance Commissioner submit an annual report of official acts and of the condition of insurers doing business in the state?Answer: The Governor. Source: Conn. Gen. Stat. § 38a-12
To whom must the Connecticut Insurance Commissioner recommend changes in the insurance laws?Answer: The General Assembly. Source: Conn. Gen. Stat. § 38a-8(b)
Which person may the Governor not appoint as Connecticut's Insurance Commissioner?Answer: An officer of an insurance company. Source: Conn. Gen. Stat. § 38a-7
Unfair claim practices, fraud and privacy 14
A claimant's own attorney, not an insurer, presents an authorization to release the claimant's personal information held by a Connecticut insurer. Besides being dated and signed, the authorization must have been obtained within:Answer: 1 year before the disclosure is sought. Source: Conn. Gen. Stat. § 38a-988
A Connecticut insurer denies a claim. What does the unfair claim settlement practices list require it to provide promptly?Answer: A reasonable explanation of the basis in the policy, in relation to the facts or law. Source: Conn. Gen. Stat. § 38a-816(6)
A Connecticut insurer requires a preliminary claim report and then a formal proof of loss holding substantially the same information, to delay payment. Which rule does that general practice break?Answer: The unfair claim settlement practices list. Source: Conn. Gen. Stat. § 38a-816(6)
A fidelity bond issued in Connecticut limits the time to sue. What is the shortest period it may set, counted from the loss?Answer: 3 years. Source: Conn. Gen. Stat. § 38a-290
An individual makes a proper written request to see recorded personal information that a Connecticut insurer holds about him. How long does the insurer have to respond?Answer: 30 business days. Source: Conn. Gen. Stat. § 38a-983(a)
An insurer gives a local police department information about suspected fraud in a Connecticut motor vehicle claim. When is the insurer protected from civil liability for its statement?Answer: In the absence of fraud, malice or criminal act. Source: Conn. Gen. Stat. § 38a-356(d)
An insurer tells Connecticut claimants that it always appeals arbitration awards, so that they will accept less than the award. If done as a general business practice, what is this?Answer: An unfair claim settlement practice. Source: Conn. Gen. Stat. § 38a-816(6)
Bonds aside, what is the shortest time a Connecticut insurance policy may set for bringing suit against the insurer under the general time limitation statute, counted from the loss?Answer: 1 year. Source: Conn. Gen. Stat. § 38a-290
By what date each year must an insurer give the Connecticut commissioner its report on insurance fraud in motor vehicle claims?Answer: On or before March 31. Source: Conn. Gen. Stat. § 38a-356(c)
For Connecticut's insurance fraud offense, which of these counts as a "statement"?Answer: An estimate of property damages. Source: Conn. Gen. Stat. § 53a-215(b)
How does Connecticut's penal code classify insurance fraud?Answer: A class D felony. Source: Conn. Gen. Stat. § 53a-215(d)
Liability under a Connecticut policy's collision coverage is reasonably clear. The insurer holds that payment back to gain leverage on the insured's injury claim. As a general practice, this is:Answer: An unfair claim settlement practice. Source: Conn. Gen. Stat. § 38a-816(6)
Under Connecticut's unfair claim settlement practices list, what must accompany a claim payment to an insured or beneficiary?Answer: A statement of the coverage under which the payment is made. Source: Conn. Gen. Stat. § 38a-816(6)
What makes an act on Connecticut's unfair claim settlement practices list a violation?Answer: Committing it with such frequency as to indicate a general business practice. Source: Conn. Gen. Stat. § 38a-816(6)
Auto claims: total loss, repairs, arbitration 15
A Connecticut adjuster tells an insured that using a shop outside the insurer's repair program will delay the repairs. What does the statute say about that statement?Answer: It is prohibited. Source: Conn. Gen. Stat. § 38a-354(b)
A Connecticut auto damage arbitration favors the claimant. What yearly interest rate is added on the award for the disputed amount?Answer: 15 percent. Source: Conn. Gen. Stat. § 38a-9(b)
A Connecticut insurer declares a covered car a constructive total loss. On what must it base the car's value, at the least?Answer: The average of the retail values from two approved automobile industry sources. Source: Conn. Gen. Stat. § 38a-353(a)
A Connecticut repair estimate uses exterior sheet metal parts not made by the original manufacturer. What must the estimate do?Answer: Clearly identify each such major replacement part and attach the required notice. Source: Conn. Gen. Stat. § 38a-355(a)
An insurer violates Connecticut's rule on identifying replacement parts in repair estimates. How is the violation treated?Answer: As an unfair or deceptive insurance practice under section 38a-816. Source: Conn. Gen. Stat. § 38a-355(b)
By when must a Connecticut insurer give a total loss claimant a detailed copy of its valuation calculation?Answer: Not later than the date it pays the settlement amount. Source: Conn. Gen. Stat. § 38a-353(b)
The Connecticut Insurance Department notifies an insurer in writing that a complaint has gone to arbitration. What must the insurer then pay the claimant?Answer: The undisputed amount of the claim. Source: Conn. Gen. Stat. § 38a-9(b)
How soon after the hearing must the arbitrator in a Connecticut auto damage arbitration give a written decision?Answer: Not later than 15 days. Source: Conn. Gen. Stat. § 38a-9(b)
May an adjuster for a Connecticut insurer require an insured to have collision damage repaired at one named shop?Answer: No, the insured may not be required to use a specific person for repairs. Source: Conn. Gen. Stat. § 38a-354(b)
The total loss notice a Connecticut insurer sends must tell the claimant whom to contact if the claimant disagrees with the valuation. Who is that?Answer: The Consumer Affairs Division within the Insurance Department. Source: Conn. Gen. Stat. § 38a-353(b)
What filing fee does each party pay when a Connecticut auto damage dispute is referred to the department's arbitration?Answer: $20. Source: Conn. Gen. Stat. § 38a-9(b)
What must happen before the Connecticut Insurance Department accepts an auto damage dispute for arbitration?Answer: Mediation by the Division of Consumer Affairs has failed. Source: Conn. Gen. Stat. § 38a-9(b)
What notice must appear on an appraisal or estimate for a motor vehicle physical damage claim written for a Connecticut insurer?Answer: That the claimant has the right to choose the licensed repair shop. Source: Conn. Gen. Stat. § 38a-354(c)
When is a damaged vehicle a "constructive total loss" under Connecticut's settlement statute?Answer: The cost to repair or salvage it, or both, equals or exceeds its value at the time of loss. Source: Conn. Gen. Stat. § 38a-353(a)
Which disputes may go to the Connecticut Insurance Department's arbitration procedure?Answer: Auto physical damage and property damage liability claims where liability and coverage are not in dispute. Source: Conn. Gen. Stat. § 38a-9(b)
Time limits for suits 12
A claimant will sue a Connecticut town and its employee jointly for property damage. Within what time must written notice of the intention be filed with the municipal clerk?Answer: 6 months. Source: Conn. Gen. Stat. § 7-465(a)
A Connecticut claimant relies on an express agreement that was never put in writing. Within what time must the action be brought?Answer: 3 years. Source: Conn. Gen. Stat. § 52-581(a)
A Connecticut negligence injury is discovered late. Whatever the discovery date, no action may be brought more than how long after the act or omission?Answer: 3 years. Source: Conn. Gen. Stat. § 52-584
A Connecticut pedestrian is hurt through a driver's negligence. Counting from when the injury is first sustained or discovered, how long is there to sue?Answer: 2 years. Source: Conn. Gen. Stat. § 52-584
An injured person intends to sue under Connecticut's Dram Shop Act. Within how many days of the injury must written notice reach the seller, where no death or incapacity is involved?Answer: 120 days. Source: Conn. Gen. Stat. § 30-102
As a rule, a Connecticut product liability action may not be brought against a party later than how long after that party last parted with possession or control of the product?Answer: 10 years. Source: Conn. Gen. Stat. § 52-577a(a)
How long after the right of action accrues may a Connecticut action on a written contract be brought?Answer: 6 years. Source: Conn. Gen. Stat. § 52-576(a)
Under Connecticut's Dram Shop Act, up to what amount is a liquor seller liable for injury caused by an intoxicated person the seller served?Answer: $250,000. Source: Conn. Gen. Stat. § 30-102
Under Connecticut's general tort statute, within what time from the act or omission must an action founded on a tort be brought?Answer: 3 years. Source: Conn. Gen. Stat. § 52-577
Within what time from the act or omission must a Connecticut Dram Shop Act action be brought?Answer: 1 year. Source: Conn. Gen. Stat. § 30-102
Within what time must a Connecticut product liability claim be brought, counted from when the injury is first sustained or discovered?Answer: 3 years. Source: Conn. Gen. Stat. § 52-577a(a)
Within what time must a joint action against a Connecticut municipality and its employee for physical injuries be commenced?Answer: 2 years. Source: Conn. Gen. Stat. § 7-465(a)
Workers' compensation claims 6
A Connecticut employee is hurt at work. When must the employee report the injury to the employer?Answer: Immediately. Source: Conn. Gen. Stat. § 31-294b(a)
A Connecticut employee is injured by a third person while working and claims compensation. What happens to the employee's right to sue that third person?Answer: It is unaffected; the employee may still proceed at law. Source: Conn. Gen. Stat. § 31-293(a)
A Connecticut employee is late reporting a work injury. What may the administrative law judge do?Answer: Reduce the award in proportion to the prejudice the employer proves. Source: Conn. Gen. Stat. § 31-294b(a)
After the first report of injury reaches the Connecticut Workers' Compensation Commission, how soon must the Commission send the injured employee a notice of claim form?Answer: Not later than 5 business days. Source: Conn. Gen. Stat. § 31-294b(b)
How does a Connecticut administrative law judge treat the ordinary rules of evidence in a workers' compensation hearing?Answer: The judge is not bound by them and proceeds by the rules of equity. Source: Conn. Gen. Stat. § 31-298
Over which period are an injured Connecticut worker's wages totalled to find the average weekly wage?Answer: The 52 calendar weeks immediately before the week of injury. Source: Conn. Gen. Stat. § 31-310(a)
How this list was compiled: General Statutes of Connecticut, revised to January 1, 2025, read on October 15, 2026 on the Connecticut General Assembly's site (https://www.cga.ct.gov/current/pub/titles.htm), with the 2026 Supplement (https://www.cga.ct.gov/2026/sup/titles.htm), which replaces sections 38a-9 and 38a-792: Title 38a sections 38a-7, 38a-8, 38a-9, 38a-12, 38a-290, 38a-353 to 38a-356, 38a-769, 38a-771 to 38a-774, 38a-792, 38a-816, 38a-983 and 38a-988; sections 52-576, 52-577, 52-577a, 52-581 and 52-584; sections 7-465 and 30-102; sections 31-293, 31-294b, 31-298 and 31-310; and section 53a-215. Regulations of Connecticut State Agencies sections 38a-792-1 to 38a-792-5, Casualty Adjusters, read the same day in the Secretary of the State's eRegulations system (https://eregulations.ct.gov/eRegsPortal/Browse/RCSA/Title_38aSubtitle_38a-792/). The topics and the sections asked follow the statute references printed in the Connecticut casualty adjuster content outlines, effective September 1, 2026, which the Connecticut Insurance Department's examination administrator publishes at https://www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/120701.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 CT casualty adjuster exam study guide teaches by asking: 80 of our own questions on the Connecticut statutes and regulations that the exam outlines cite, each naming its section. Not affiliated with the Connecticut Insurance Department.
Read the full guide
The four casualty adjuster exams
The candidate handbook of March 2026 lists them: All Lines (12-CT-09), All Lines except Workers' Compensation (12-CT-10), Workers' Compensation Only (12-CT-11) and Auto Only (12-CT-12). Their content outlines took effect September 1, 2026.
CT adjuster license study guide: what the law part cites
Each outline opens with Connecticut statutes and regulations: 10 to 12 questions on three of the exams and 5 on the workers' compensation exam. It cites sections 38a-769 to 38a-774, 38a-792 and 38a-816, then the time limits for suits. Those are the topics here; insurance terms and policy forms are not asked.
Timed like the Auto Only exam
The timed test keeps the Auto Only exam's length, clock and pass mark, with every question on the law.
The license runs two years from your birthday before issue, then renews every two years (Conn. Gen. Stat. § 38a-792).
Negligence: two years from discovery, never more than three from the act (§ 52-584). Written contract: six years (§ 52-576).
Fire and life insurance adjusters need no casualty adjuster license (Regs. Conn. State Agencies § 38a-792-2).
Questions and answers
How many questions are on the CT casualty adjuster exam?
It depends on the exam. All Lines and All Lines except Workers' Compensation have 100 scoreable questions in 2 hours; Auto Only has 60 and Workers' Compensation Only 50, each in 1 hour. Unscored pretest questions are mixed in.
What score passes the Connecticut casualty adjuster exam?
70 percent. The candidate handbook of March 2026 says the passing score required on the Bail Bonds examination is 80% and on all other examinations 70%.
Does Connecticut require a prelicensing course for casualty adjusters?
No. The Connecticut Insurance Department's casualty adjuster page says the state does not require pre-licensing education for this license type. It points applicants to the exam content outline and the candidate handbook.
Who needs a casualty adjuster license in Connecticut?
Anyone who adjusts casualty claims for an insurer or an adjusting firm (§ 38a-792). The regulations count auto injury, liability, workers' compensation and property damage claims. Fire and life adjusters, and Connecticut attorneys in general practice, are outside it.
Is this CT casualty adjuster study guide free?
Yes. All 80 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 Connecticut Insurance Department did not write or review them.