A corporation holds an Idaho adjuster license naming four individuals to exercise its powers. What fee applies to the individuals named?Idaho Code 41-1104(2)
A licensed Idaho adjuster is laid up by an injury. An authorized insurer sends an out-of-state adjuster to substitute temporarily. Does the substitute need an Idaho license?Idaho Code 41-1107
A nonresident Idaho licensee's home state license was not renewed. After it stays nonrenewed for how long past its expiration may the Idaho director act without a hearing?Idaho Code 41-1016(2)
A resident of Canada wants an Idaho nonresident adjuster license. What must that person first hold?Idaho Code 41-1103
After a windstorm, an authorized insurer sends adjusters into Idaho to adjust the series of losses from that catastrophe. Under the emergency adjuster section they need:Idaho Code 41-1107
An applicant for an Idaho adjuster license has no claims experience or special training. Which fact still meets the competence qualification?Idaho Code 41-1104(1)
An application for an Idaho adjuster license is denied. How long must pass before the director may issue that person a license?Idaho Code 41-1026(4)
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Adjuster license, continued
An attorney qualified to practice law in Idaho settles a claim for an insurer client. Under the adjuster chapter the attorney is:Idaho Code 41-1102(2)
An authorized insurer's licensed agent, at the insurer's request, helps adjust losses under policies that insurer issued. Does Idaho require an adjuster license?Idaho Code 41-1102(2)
An Idaho adjuster pays the license continuation fee twice by mistake. What does the code say about refunds?Idaho Code 41-1013(4)
An Idaho adjuster under investigation lets the license lapse. May the director still impose a penalty?Idaho Code 41-1016(5)
An Idaho licensee holds an adjuster license and a producer license. The adjuster license is suspended. What happens to the producer license?Idaho Code 41-1026(2)
An Idaho licensee lets a license lapse and reinstates it within 12 months without an examination. What penalty is due on the late renewal fee?Idaho Code 41-1008(3)
An individual acting for an Idaho business entity commits a violation. When may the entity's own license be suspended or revoked for it?Idaho Code 41-1016(3)
The Idaho director refuses to issue a license. What must the director then do?Idaho Code 41-1011
Under Idaho's adjuster chapter, an adjuster works for compensation in which capacity?Idaho Code 41-1102(1)
Under the Idaho adjuster qualifications section, when must an applicant pass a written examination?Idaho Code 41-1104(1)
What authority does an Idaho adjuster license give?Idaho Code 41-1106
What is the minimum age for an individual Idaho adjuster license?Idaho Code 41-1104(1)
What must reach the Idaho director on or before the expiration date for an adjuster license to continue in force?Idaho Code 41-1013(1)
Which act does Idaho forbid to a person who holds no adjuster license?Idaho Code 41-1103
Which person is NOT an "adjuster" under Idaho's adjuster chapter?Idaho Code 41-1102(2)
Which producer licensing section does Idaho's adjuster chapter make applicable to adjuster licenses?Idaho Code 41-1108
Director, hearings and penalties 14
A person adjusts claims in Idaho after the license was revoked. What administrative penalty may the director impose for transacting insurance without proper licensing?Idaho Code 41-117A
A person aggrieved by an order of the Idaho director makes a written demand for a hearing. Within how long must the director hold it, unless postponed by mutual consent?Idaho Code 41-232(4)
How does the director of the Idaho Department of Insurance take office?Idaho Code 41-202(2)
How long is the term of the director of the Idaho Department of Insurance?Idaho Code 41-202(2)
How many years of practical experience in a regulated type of insurance business does Idaho ask of its director, absent other adequate professional experience?Idaho Code 41-202(3)
The Idaho director conducts an investigation beyond those the code expressly authorizes. Who bears its cost?Idaho Code 41-210(3)
The Idaho director fails to hold a demanded hearing in time. What is the effect?Idaho Code 41-232(4)
The Idaho director mails an order by regular United States mail. When is service complete?Idaho Code 41-212(4)
The Idaho director sends a written inquiry about an insurance transaction to a person under his jurisdiction. What must that person do?Idaho Code 41-247
In the Idaho Code, what makes an insurer "authorized"?Idaho Code 41-110
What limit does the Idaho Code put on a rule made by the director?Idaho Code 41-211(1)
When is an order of the Idaho director effective?Idaho Code 41-212(1)
Where the Idaho Code says "insurance commissioner", whom does it mean?Idaho Code 41-203
Which of these does the Idaho Code include in "transacting insurance"?Idaho Code 41-112
Claim practices and fraud 14
A person knowingly gives an employer a false statement to obtain worker's compensation benefits, intending to deceive the insurer. Under the Idaho insurance code this is:Idaho Code 41-293(1)
An Idaho insurer fails to pay the amount justly due within how long after proof of loss, so that attorney's fees are allowed in a later suit?Idaho Code 41-1839(1)
An Idaho insurer has facts to support a belief that a fraudulent claim is being made. Within how long must it send the information to the director?Idaho Code 41-290
An Idaho insurer pays a claim but sends nothing saying which coverage the payment is made under. Done intentionally, this is:Idaho Code 41-1329
An Idaho insurer settles claims on the basis of an application that was changed without the insured's notice, knowledge or consent. Which list does that practice appear on?Idaho Code 41-1329
At what point must a person have an insurable interest for an Idaho property insurance contract to be enforceable for that person's benefit?Idaho Code 41-1806(1)
Before suit, an Idaho insurer tenders the full amount justly due, and deposits it in court when sued. If the tender is found true, what follows?Idaho Code 41-1839(2)
For uninsured or underinsured motorist benefits, how long after proof of loss does an Idaho insurer have to pay before attorney's fees are allowed?Idaho Code 41-1839(1)
To which actions does Idaho's attorney fee section for suits against insurers NOT apply?Idaho Code 41-1839(3)
What is the longest prison term for insurance fraud under the Idaho insurance code?Idaho Code 41-293(4)
What is the measure of an insurable interest in property under the Idaho Code?Idaho Code 41-1806(3)
What kind of offense is insurance fraud under the Idaho insurance code?Idaho Code 41-293(4)
When is an act on Idaho's list of unfair claim settlement practices an unfair practice?Idaho Code 41-1329
Within how long after settling a fire loss of $1,000 or more must a fire insurer report it to Idaho's state fire marshal?Idaho Code 41-258
Auto insurance and financial responsibility 11
A driver is convicted for the first time of operating without the insurance Idaho requires. For how long must proof of financial responsibility be given and maintained?Idaho Code 49-1208(3)
An Idaho insurer's uninsured motorist insolvency protection applies where the at-fault driver's insurer becomes insolvent within how long after the accident?Idaho Code 41-2504
An Idaho vehicle owner posts an indemnity bond with the director of the Department of Insurance instead of buying liability insurance. Within how long must the bond guarantee a covered loss is paid?Idaho Code 49-1229(2)
An Idaho vehicle owner stops maintaining the required insurance. What must the owner do with the registration card and license plates?Idaho Code 49-1230
For Idaho uninsured motorist coverage, an "uninsured motor vehicle" includes an insured vehicle in which situation?Idaho Code 41-2503(1)
How may the named insured on an Idaho auto liability policy reject uninsured or underinsured motorist coverage?Idaho Code 41-2502(2)
In what form may an Idaho driver show a peace officer the certificate or proof of liability insurance?Idaho Code 49-1232(1)
One named insured on an Idaho auto policy properly rejects underinsured motorist coverage. Whom does the rejection bind?Idaho Code 41-2502(2)
What amount does Idaho's "proof of financial responsibility" require for bodily injury to or death of one person in one accident?Idaho Code 49-117
What amount does Idaho's "proof of financial responsibility" require for injury to or destruction of property of others in one accident?Idaho Code 49-117
What is the fine for a first violation of Idaho's rule that proof of liability insurance be carried in the vehicle?Idaho Code 49-1232(3)
Worker's compensation 14
An Idaho claim was made but no compensation was paid. How long from making the claim does the claimant have to file an application for a hearing?Idaho Code 72-706(1)
An Idaho employee is hurt while working in another state. Which fact entitles the employee to Idaho benefits?Idaho Code 72-217
An Idaho injury needs treatment by a physician. Within how long after it occurs must the employer report it in writing to the industrial commission?Idaho Code 72-602(1)
An Idaho worker's disability for work lasts longer than how long, so that income benefits are allowed from the date of disability?Idaho Code 72-402(1)
During the first 52 weeks of total disability in the period of recovery, what share of the average weekly wage is paid as Idaho income benefits?Idaho Code 72-408(1)
For how many days of disability for work is an injured Idaho employee allowed no income benefits, as a waiting period?Idaho Code 72-402(1)
How does Idaho's worker's compensation law limit the word "injury"?Idaho Code 72-102
Idaho compensation payments were made and then discontinued. Counting from the date of the accident, how long does the claimant have to apply for a hearing for further compensation?Idaho Code 72-706(2)
Under Idaho's worker's compensation law, how does the employer's liability to an injured employee relate to other liability?Idaho Code 72-209(1)
When is a person's employment "principally localized" in a state under Idaho's worker's compensation law?Idaho Code 72-220(1)
Whose approval does an Idaho employer need to become self-insured for worker's compensation?Idaho Code 72-301(1)
With whom must an Idaho public employer insure its worker's compensation liability, unless the risk is refused?Idaho Code 72-301(1)
Within how long after an accident must notice of it be given to the Idaho employer for proceedings to be maintained?Idaho Code 72-701
Within how long after an Idaho workplace accident must a claim for compensation be made, where no compensation was paid voluntarily?Idaho Code 72-701
How this list was compiled: Idaho Code, read on October 15, 2026 on the Idaho Legislature's site (https://legislature.idaho.gov/statutesrules/idstat/): Title 41, chapter 1 (sections 41-110, 41-112 and 41-117A), chapter 2 (sections 41-202, 41-203, 41-210, 41-211, 41-212, 41-232, 41-247, 41-258, 41-290 and 41-293), chapter 10 (sections 41-1008, 41-1011, 41-1013, 41-1016 and 41-1026, which section 41-1108 applies to adjusters), chapter 11 (Adjusters, sections 41-1102 to 41-1108), chapter 13 (section 41-1329), chapter 18 (sections 41-1806 and 41-1839) and chapter 25 (sections 41-2502 to 41-2504); Title 49 (sections 49-117, 49-1208, 49-1229, 49-1230 and 49-1232); and Title 72 (sections 72-102, 72-209, 72-217, 72-220, 72-301, 72-402, 72-408, 72-602, 72-701 and 72-706). The topics and the sections asked follow parts IV to VIII of the Idaho Independent Adjuster content outline, effective July 31, 2025, which the Idaho Department of Insurance's examination administrator publishes at https://www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/121301.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 Idaho adjuster license practice test asks the Idaho law parts of the Independent Adjuster exam: 76 of our own questions from the Idaho Code, each naming its section. Not affiliated with the Idaho Department of Insurance.
Read the full guide
What the exam is
The license exam is the Idaho Independent Adjuster exam. A public adjuster, who works for the insured, takes a separate exam.
Which parts these are
Parts IV to VIII of the content outline are Idaho law, 27 of the 50 scored questions: 9 on law common to all lines, 3 on property and casualty contracts, 5 on property, 4 on casualty and 6 on worker's compensation. The topics here follow them. Parts I to III, on terms and policy forms, are not asked.
Timed like the real exam
The timed test keeps the real exam's scored length and clock, with every question on the law.
An Idaho adjuster acts for the insurer; salaried insurer employees and Idaho attorneys are not adjusters under the chapter (Idaho Code 41-1102).
Pay within 30 days of proof of loss, 60 for uninsured or underinsured motorist benefits, or owe attorney's fees (Idaho Code 41-1839).
Worker's compensation: notice to the employer in 60 days, claim in one year, five-day waiting period (Idaho Code 72-701, 72-402).
Questions and answers
How many questions are on the Idaho adjuster exam?
50 scored questions plus 10 pretest questions on the Independent Adjuster exam, by the content outline effective July 31, 2025. The candidate handbook of October 2025 allots 75 minutes.
What score passes the Idaho adjuster exam?
The candidate handbook prints no pass mark. It says candidates receive a score report marked pass or fail, so this page gives a score and no verdict.
How old must you be for an Idaho adjuster license?
At least 21. The applicant must also be trustworthy and be a salaried employee of a licensed adjuster, or have enough claims experience, education or training to satisfy the director (Idaho Code 41-1104).
Does an insurance company's own claims employee need an Idaho adjuster license?
No. The salaried employee of an authorized insurer who adjusts that insurer's losses is not an adjuster under the chapter, and neither is an agent who adjusts from time to time at the insurer's request (Idaho Code 41-1102).
Is this Idaho adjuster license practice test free?
Yes. All 76 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 Idaho Department of Insurance did not write or review them.