A candidate fails the Georgia license examination. How long before a retake is allowed?Ga. Comp. R. & Regs. 120-2-3-.09
A candidate has failed the Georgia license examination three times. How long is the wait before the next attempt?Ga. Comp. R. & Regs. 120-2-3-.09
A Georgia adjuster's license is revoked. Under the 2023 amendment of O.C.G.A. 33-23-23, how long before another application may be filed as of right?O.C.G.A. 33-23-23 (2023 H.B. 222)
A Georgia adjuster's license lapsed during service in the armed forces. A new license is granted if the application is made within what time after the old license expired?O.C.G.A. 33-23-10(c)
A Georgia agent adjusts a claim for an insurer the agent is licensed to represent, as that insurer authorizes. Is an adjuster license needed?O.C.G.A. 33-23-29(a)
A Georgia resident adjuster license is issued in June to a licensee born in October. On what cycle and on what day does it expire?O.C.G.A. 33-23-18(a)
A nonresident adjuster licensed in another state does emergency insurance adjustment work in Georgia for a licensed employer. For how long may this go on without a Georgia license?O.C.G.A. 33-23-29(b)
Show all 113 questions (106 more)
Adjuster licensing, exams and records, continued
A salaried employee of a Georgia insurer adjusts losses under policies that insurer issued. Is the employee an 'adjuster' under O.C.G.A. 33-23-1?O.C.G.A. 33-23-1(a)
After passing the Georgia examination, how long does a candidate have to file the license application before a retake is required?Ga. Comp. R. & Regs. 120-2-3-.09
An adjuster licensed in the home state applies for a Georgia nonresident adjuster license. What does O.C.G.A. 33-23-29(c) say about the written examination?O.C.G.A. 33-23-29(c)
At the Commissioner's discretion, a refused Georgia applicant may be allowed to apply again sooner. What is the shortest wait under O.C.G.A. 33-23-23(d)?O.C.G.A. 33-23-23 (2023 H.B. 222)
By what date each year must a Georgia insurer that employs staff adjusters file its list of them with the Commissioner?Ga. Comp. R. & Regs. 120-2-3-.24
Facing discipline, a Georgia adjuster gives up the license under a written consent order. What effect does O.C.G.A. 33-23-23 give that surrender?O.C.G.A. 33-23-23 (2023 H.B. 222)
For an adjuster licensed fewer than 20 years, O.C.G.A. 33-23-18(d) limits the yearly continuing education the Commissioner may demand. To how many classroom hours?O.C.G.A. 33-23-18(d)
For which work does Georgia require no license of a nonresident independent adjuster under O.C.G.A. 33-23-29(b)(1)?O.C.G.A. 33-23-29(b)
Georgia's definition of 'adjuster' leaves out individuals who adjust claims under which contracts?O.C.G.A. 33-23-1(a)
How does Georgia define an 'independent adjuster'?O.C.G.A. 33-23-1(a)
How old must an applicant be before the Georgia Commissioner will issue an adjuster license?O.C.G.A. 33-23-5(a)
In a disaster not declared by the Georgia Emergency Management Authority, how long may a nonresident adjuster licensed in another state work in Georgia before applying for a license?Ga. Comp. R. & Regs. 120-2-3-.25
In what amount is a bond required of a resident Georgia public adjuster by the Commissioner's rule?Ga. Comp. R. & Regs. 120-2-3-.18
May a Georgia insurer pay a commission for adjuster services in the state to a person who holds no license?O.C.G.A. 33-23-4(b)
O.C.G.A. 33-23-5 lets a person qualify as a Georgia resident applicant by living in the state for part of every year. How much?O.C.G.A. 33-23-5(a)
O.C.G.A. 33-23-34 says how long a Georgia adjuster's record of a transaction is kept. How long?O.C.G.A. 33-23-34(b)
Rule 120-2-3-.09 sets the grade a candidate needs on a Georgia license examination. What is it?Ga. Comp. R. & Regs. 120-2-3-.09
Under O.C.G.A. 33-23-4, an individual who adjusts claims in Georgia for compensation must be licensed as which?O.C.G.A. 33-23-4(a)
What is the offense for willfully violating Georgia's license requirement in O.C.G.A. 33-23-4?O.C.G.A. 33-23-4(g)
What must a Georgia adjuster's record of transactions contain under O.C.G.A. 33-23-34?O.C.G.A. 33-23-34(a)
What must a resident of Canada hold before being licensed in Georgia as a nonresident independent adjuster?O.C.G.A. 33-23-29(f)
What must an applicant for a Georgia public adjuster's license have filed beforehand under O.C.G.A. 33-23-6?O.C.G.A. 33-23-6
Where may the records of losses adjusted by a Georgia independent adjuster be kept?O.C.G.A. 33-23-34(b)
Which adjusters does Georgia's Rule 120-2-3-.09 exempt from the license examination?Ga. Comp. R. & Regs. 120-2-3-.09
Which claims are outside what a Georgia public adjuster may represent an insured on?O.C.G.A. 33-23-1(a)
Conduct and discipline 21
A Georgia adjuster learns facts while working a claim. To whom may the adjuster divulge them under O.C.G.A. 33-23-43.8(c)?O.C.G.A. 33-23-43.8(c)
A Georgia adjuster pays a person who is not a licensed public adjuster for referring an insured. What does O.C.G.A. 33-23-43.8(i) say?O.C.G.A. 33-23-43.8(i)
A Georgia adjuster who handled a storm claim is asked to manage the rebuilding. Which of these does O.C.G.A. 33-23-43.8(g) bar the adjuster from doing?O.C.G.A. 33-23-43.8(g)
A Georgia licensee is arrested and prosecuted. If the prosecution is not reported with an application, by when must it be reported to the Commissioner?O.C.G.A. 33-23-21
A Georgia licensee is convicted of a felony. Failing to notify the Commissioner within what time is itself a ground to suspend or revoke the license?O.C.G.A. 33-23-21
A Georgia public adjuster promises to rebate part of the insured's deductible to win the job. What is the consequence under O.C.G.A. 33-23-43?O.C.G.A. 33-23-43(c)
A Georgia public adjuster takes money from an attorney for steering the insured to that attorney. How does O.C.G.A. 33-23-43(c) treat this?O.C.G.A. 33-23-43(c)
A person whose Georgia insurance license was revoked wants to be an officer of a public adjusting firm. What does O.C.G.A. 33-23-43.8(m) say?O.C.G.A. 33-23-43.8(m)
A roofing contractor is repairing a Georgia home. May the contractor act as the public adjuster on that property's claim?O.C.G.A. 33-23-43.8(k)
Between which hours may a Georgia adjuster solicit business on a claim on a weekday or a Saturday?O.C.G.A. 33-23-43.8(b)
The department proposes to revoke a Georgia public adjuster's license. What is the licensee entitled to under O.C.G.A. 33-23-43.10(b)?O.C.G.A. 33-23-43.10(b)
During which natural disasters may a Georgia adjuster not solicit a client while the loss-producing occurrence is in progress?O.C.G.A. 33-23-43.8(a)
For Georgia license discipline, does a guilty plea count as a 'conviction' while an appeal is pending?O.C.G.A. 33-23-21
The Georgia Commissioner issues a proposed order without a hearing under O.C.G.A. 33-2-24(b). How long does the person have to request a hearing?O.C.G.A. 33-2-24(b)
May a Georgia adjuster advance money to a potential client?O.C.G.A. 33-23-43.8(i)
On whose behalf may a Georgia adjuster licensed only as a public adjuster adjust claims?O.C.G.A. 33-23-43(b)
One Georgia adjuster is licensed both as independent and as public. In a single transaction, what does O.C.G.A. 33-23-43(a) bar?O.C.G.A. 33-23-43(a)
To whose interest does a Georgia public adjuster owe objectivity and complete loyalty?O.C.G.A. 33-23-43.9(a)
When may a Georgia adjuster acquire an interest in salvaged property from a claim the adjuster handled?O.C.G.A. 33-23-43.8(g)
When may a Georgia adjuster first solicit business on a claim on a Sunday?O.C.G.A. 33-23-43.8(b)
Which conduct does O.C.G.A. 33-23-21 name as a reason the Georgia Commissioner may refuse or revoke a license?O.C.G.A. 33-23-21
Public adjuster contracts, fees and advertising 19
A Georgia homeowner signs with a public adjuster and has second thoughts. How long is the right to rescind under O.C.G.A. 33-23-43.2(d)?O.C.G.A. 33-23-43.2(d)
A Georgia insured rescinds a public adjuster contract. How soon must anything of value the insured gave be returned?O.C.G.A. 33-23-43.2(d)
A Georgia insurer pays or commits in writing to pay the policy limit soon after the loss is reported. Within what time does that bar a percentage commission for the adjuster?O.C.G.A. 33-23-43.3(b)
Before a Georgia adjuster uses an advertisement soliciting business, what does O.C.G.A. 33-23-43.7(b) require?O.C.G.A. 33-23-43.7(b)
Before a Georgia public adjuster first contacts the insured's insurer about settlement, what must the insurer be given?O.C.G.A. 33-23-43.2(d)
Before acting as a public adjuster in Georgia, what must the adjuster and the insured have signed?O.C.G.A. 33-23-43.2(a)
How long must a Georgia public adjuster's records of a transaction be maintained in the state?O.C.G.A. 33-23-43.5(b)
How may a Georgia public adjuster's percentage fee be collected when the insurer pays in several checks?O.C.G.A. 33-23-43.2(c)
In what capacity does a Georgia public adjuster hold claim proceeds received for an insured?O.C.G.A. 33-23-43.6(a)
O.C.G.A. 33-23-43.2(c) bans certain terms in a Georgia public adjuster contract. Which of these is banned?O.C.G.A. 33-23-43.2(c)
On which written material is a Georgia public adjuster's solicitation disclaimer not required to be printed?O.C.G.A. 33-23-43.7(d)
Under O.C.G.A. 33-23-43.3(c), what must a person paying Georgia policy proceeds do with the payment check?O.C.G.A. 33-23-43.3(c)
What caption and title must a Georgia public adjuster's contract carry?O.C.G.A. 33-23-43.2(b) (2023 H.B. 222)
What is the most a Georgia public adjuster's total commission may be?O.C.G.A. 33-23-43.3(a)
What must every advertisement by a Georgia adjuster soliciting business display?O.C.G.A. 33-23-43.7(a)
Which notice must a Georgia public adjuster contract display in 12-point boldface type?O.C.G.A. 33-23-43.2(b) (2023 H.B. 222)
Which person may act for an insured on a Georgia property loss without a public adjuster license under O.C.G.A. 33-23-43.1?O.C.G.A. 33-23-43.1(b)
Which statement in a Georgia public adjuster's advertisement does O.C.G.A. 33-23-43.7(c) treat as deceptive or misleading?O.C.G.A. 33-23-43.7(c)
With each insured payee's written authorization, a Georgia public adjuster may endorse a claim check. Where must it then be deposited?O.C.G.A. 33-23-43.3(e)
Claim settlement law and rules 32
A 2026 Georgia act bars first-party property policies from setting a time to sue shorter than what period from the date of loss?O.C.G.A. 33-24-59.37 (2026 H.B. 1344)
A Georgia claimant asks an insurer for the forms needed to file a claim. Within what time must they be provided under O.C.G.A. 33-6-34?O.C.G.A. 33-6-34
A Georgia claimant can get the same repair at the same cost at a shop of the claimant's choosing. May the motor vehicle insurer require its own shop to settle the claim?O.C.G.A. 33-34-6(b)
A Georgia claimant wants to sue an insurer under the unfair claims settlement practices article itself. What does O.C.G.A. 33-6-37 say?O.C.G.A. 33-6-37
A Georgia first party auto claim goes to the Commissioner's arbitration panel. Who must be among the three who hear it?Ga. Comp. R. & Regs. 120-2-52-.03
A Georgia insured picks a repair shop that costs more than the one the insurer found. What does Rule 120-2-52-.03(8) provide?Ga. Comp. R. & Regs. 120-2-52-.03
A Georgia insured rejects the replacement vehicle the insurer offers for a total loss. What does the insurer then owe?Ga. Comp. R. & Regs. 120-2-52-.06
A Georgia insured shows a written estimate higher than the insurer's own. How soon must the insurer review and respond under Rule 120-2-52-.04?Ga. Comp. R. & Regs. 120-2-52-.04
A Georgia insurer elects to replace a totaled vehicle. Within what distance of the insured's residence must the replacement be available for inspection, unless the insured agrees to more?Ga. Comp. R. & Regs. 120-2-52-.06
A Georgia insurer needs more time than the rule allows to accept or deny a first party claim. How soon after the limit passes must it tell the claimant why?Ga. Comp. R. & Regs. 120-2-52-.03
A Georgia insurer refuses in bad faith to pay a covered loss within 60 days after the policyholder's demand. What may it owe in addition to the loss and attorney's fees?O.C.G.A. 33-4-6(a)
A Georgia insurer's estimate uses nonoriginal manufacturer aftermarket crash parts. In what print size must the disclosure appear?Ga. Comp. R. & Regs. 120-2-52-.05
A plaintiff brings a bad faith action under O.C.G.A. 33-4-6. To whom must a copy of the demand and complaint be mailed within 20 days?O.C.G.A. 33-4-6(b)
After the completed proof of loss arrives, how soon must a Georgia insurer affirm or deny liability on a motor vehicle loss under Rule 120-2-52-.03?Ga. Comp. R. & Regs. 120-2-52-.03
Before the bad faith penalty of O.C.G.A. 33-4-6 can apply, how long must the Georgia insurer have refused to pay after the policyholder's demand?O.C.G.A. 33-4-6(a)
Betterment and depreciation deductions on a Georgia vehicle claim are capped at what share of the vehicle's market value before the loss?Ga. Comp. R. & Regs. 120-2-52-.04
Comparable automobiles used to value a Georgia total loss must be available now or have been available within what period?Ga. Comp. R. & Regs. 120-2-52-.06
For a Georgia total loss, the 'local market area' for comparable automobiles is how far from the county seat where the vehicle was principally garaged?Ga. Comp. R. & Regs. 120-2-52-.06
From January 1, 2027, after a catastrophic event the Georgia Commissioner may direct insurers to acknowledge property claims within what time?O.C.G.A. 33-3-28.1 (2026 H.B. 1344)
From January 1, 2027, O.C.G.A. 33-3-28.1 defines a 'catastrophic event'. Who must have declared it a disaster or emergency?O.C.G.A. 33-3-28.1 (2026 H.B. 1344)
In what form must a Georgia insurer's denial of a claim be given under O.C.G.A. 33-6-34(10)?O.C.G.A. 33-6-34
May a Georgia insurer make its insured agree to nonoriginal aftermarket crash parts as part of a claim settlement?Ga. Comp. R. & Regs. 120-2-52-.05
Once coverage is confirmed and the full amount is determined and not in dispute, how soon must a Georgia insurer tender payment under Rule 120-2-52-.03?Ga. Comp. R. & Regs. 120-2-52-.03
Rule 120-2-52-.03 gives a longer time to affirm or deny liability on losses under fire or extended coverage type policies. How long after the completed proof of loss?Ga. Comp. R. & Regs. 120-2-52-.03
To recover under O.C.G.A. 33-4-7, how must a Georgia claimant's demand letter reach the insurer?O.C.G.A. 33-4-7(c)
Under Georgia's rule on first party property damage claims on personal auto policies, how soon must an insurer acknowledge notice of a claim, unless it pays in that time?Ga. Comp. R. & Regs. 120-2-52-.03
Under Rule 120-2-52-.03(5), what is the longest total time a Georgia insurer has to accept or deny liability, absent documented missing information?Ga. Comp. R. & Regs. 120-2-52-.03
What duty does O.C.G.A. 33-4-7 put on a Georgia motor vehicle liability insurer when property covered by its policy is damaged?O.C.G.A. 33-4-7(a)
What is the largest deduction for wear and tear or rust that Georgia Rule 120-2-52-.04 allows on a vehicle claim?Ga. Comp. R. & Regs. 120-2-52-.04
When does an act listed in Georgia's unfair claims settlement statute become an improper claims settlement practice?O.C.G.A. 33-6-33
When may a Georgia insurer mark a payment to a first-party claimant as final or a release of any claim?O.C.G.A. 33-6-34
Who bears the cost of an arbitration under Georgia Rule 120-2-52-.03(6)?Ga. Comp. R. & Regs. 120-2-52-.03
Cancellation, residual market and insolvency 9
A Georgia insurer fails to give the notice O.C.G.A. 33-24-47(b) requires. What may the policyholder do?O.C.G.A. 33-24-47(c)
A Georgia insurer may cancel an automobile policy if the named insured failed to disclose fully, when the application asked, the accident and violation record for how long before?O.C.G.A. 33-24-45(c)
A Georgia property and casualty insurer is ordered liquidated. For how long does its policy coverage become the obligation of the Georgia Insurers Insolvency Pool for covered claims?O.C.G.A. 33-36-9
A premium increase on a Georgia policy under O.C.G.A. 33-24-47 needs 45 days' notice when it exceeds what share of the current premium, apart from changes in risk or exposure?O.C.G.A. 33-24-47(b)
For what minimum term must a motor vehicle liability policy be issued in Georgia?O.C.G.A. 33-34-3(a)
Georgia's automobile cancellation statute, O.C.G.A. 33-24-45, does not apply to a policy insuring an automobile that is one of more than how many under a single policy?O.C.G.A. 33-24-45(b)
How much notice must a Georgia insurer give before terminating a commercial liability policy under O.C.G.A. 33-24-47?O.C.G.A. 33-24-47(b)
To which policies does Georgia's notice statute O.C.G.A. 33-24-47 not apply?O.C.G.A. 33-24-47(a)
Which insurers must be members of Georgia's Fair Access to Insurance Requirements Plan?O.C.G.A. 33-33-3(a)
How this list was compiled: Own questions, written from Title 33 of the Official Code of Georgia Annotated (chapters 2, 4, 6, 23, 24, 33, 34 and 36) and from the Rules of Commissioner of Insurance, subjects 120-2-3 (licensing) and 120-2-52 (fair and equitable settlement of first party property damage claims), read on October 12, 2026 on the Secretary of State's rules site (https://rules.sos.ga.gov/gac/120-2-3 and https://rules.sos.ga.gov/gac/120-2-52). Statute text was read on October 12, 2026 in a public copy, not on a state site: Release 86 of the Official Code of Georgia Annotated, dated November 2022, posted by Public.Resource.Org on the Internet Archive (file: https://archive.org/download/gov.ga.ocga.2018/release86.2022.11/gov.ga.ocga.title.33.rtf; collection page: https://archive.org/details/gov.ga.ocga.2018). That release has no web page for each section, so section links open the same section in Release 81 of the same collection, dated 2021-08-17; the words behind every answer were matched in both releases. On October 12, 2026 the 1,414 bills on the Governor's signed legislation pages for 2023, 2024, 2025 and 2026, special sessions included (https://gov.georgia.gov/executive-action/legislation/signed-legislation), were listed; the 675 local acts (a county, city, town or local board in the caption) were set aside and the text of the other 739 was searched for every cited Code section. Where an act changed the part a question asks, the question is written from the act and links to it: 2023 H.B. 222 (33-23-23 and 33-23-43.2(b)) and 2026 H.B. 1344 (new sections 33-3-28.1 and 33-24-59.37, in force from January 1, 2027 and asked with that date). Acts that name a cited section without changing the part asked: 2023 H.B. 295 (33-6-34, paragraph (15) only; 33-2-24, a reference), 2023 H.B. 222 (33-23-21 and 33-23-43.7, references) and 2025 H.B. 410 (33-23-1, a reference). The topics follow part V, Georgia Laws, Rules, and Regulations Pertinent to All Adjusters, of the Georgia Adjuster examination content outline, effective October 22, 2024, which the examination administrator of the Georgia Office of Commissioner of Insurance and Safety Fire publishes at https://www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/121102.pdf. Nothing here was taken from a prelicensing course, a study manual or a question pool. 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 GA claims adjuster practice test asks the Georgia law part of the Adjuster exam: 113 of our own questions from Title 33 and the Commissioner's rules, each naming its source. Not affiliated with the Georgia Office of Commissioner of Insurance and Safety Fire.
Read the full guide
Which part of the outline this is
The outline effective October 22, 2024 has 100 scored questions and 5 pretest questions. Five scored questions are part V, Georgia laws, rules and regulations. The other 95 are insurance terms, product knowledge, contract provisions and the adjuster's report, which are not asked here.
GA insurance adjuster license study guide: newer law than the outline
Since House Bill 222 of 2023 the wait to reapply is five years after a refusal or revocation, or as little as one year after a refusal at the Commissioner's discretion. House Bill 1344 of 2026 adds catastrophe claim deadlines and a two-year floor for suit limits from 2027. Questions on both name the act.
Exam mode
Exam mode keeps the real exam's scored length, time limit and pass mark, with every question on the law.
A public adjuster's commission may not exceed 33.3 percent of the settlement, and the insured may rescind within three business days (O.C.G.A. 33-23-43.3, 33-23-43.2).
On a first party auto claim the insurer acknowledges within 15 days and pays within 10 days after coverage is confirmed (Rule 120-2-52-.03).
A bad faith refusal to pay within 60 days of demand can cost 50 percent of the loss or $5,000, whichever is greater (O.C.G.A. 33-4-6).
Questions and answers
How many questions are on the Georgia adjuster exam?
100 scored questions plus 5 unscored pretest questions, by the content outline effective October 22, 2024. The candidate handbook of October 2026 allots 2 hours.
What score passes the Georgia adjuster exam?
70 percent, set by Rule 120-2-3-.09. The candidate handbook gives the score as the percentage answered correctly.
Is this GA insurance adjuster practice test free?
Yes. All 113 questions are open, and your answers stay in your browser. The questions were written for this page from the Code, acts and rules; none comes from the state exam, and the Commissioner's office did not write or review them.
Who needs an adjuster license in Georgia?
Under O.C.G.A. 33-23-4, anyone who adjusts claims for compensation must be licensed as an independent adjuster or a public adjuster. O.C.G.A. 33-23-1 leaves out salaried employees of insurers adjusting their own insurer's losses and people adjusting life or marine claims.