A business entity applying for an Indiana independent adjuster license must give the history of each owner holding at least what interest?IC 27-1-28-13(a)
A business entity cannot hold an Indiana independent adjuster license unless it has named which person?IC 27-1-28-13(b)
A former licensee of another state that requires an adjuster examination applies in Indiana. The course and examination are waived if that license expired less than how long before the application is received?IC 27-1-28-16(a)
A fraud investigator stays outside Indiana's independent adjuster definition only while the investigator does not do what?IC 27-1-28-6(b)
A nonresident adjuster's home state license terminates, and no new home state has issued a resident license. What happens to the Indiana nonresident license?IC 27-1-28-17(f)
A person investigates and settles claims in only one line. Which line keeps that person outside Indiana's independent adjuster definition?IC 27-1-28-6(b)
A temporary emergency independent adjuster license issued in Indiana after a declared catastrophe runs for how long, absent an extension?IC 27-1-28-11(e)
After a catastrophe is declared, how soon after an unlicensed individual begins adjusting its claims must the insurer apply for that individual's temporary emergency license?IC 27-1-28-11(b)
Show all 120 questions (112 more)
Independent adjuster licensing and renewal, continued
An applicant fails the Indiana independent adjuster examination and wants a new date. What does IC 27-1-28-15(d) require?IC 27-1-28-15(d)
An independent adjuster uses an automated claims adjudication system. What must the adjuster maintain and give the commissioner on request?IC 27-1-28-23
An Indiana independent adjuster license has expired. Within what time may it be reissued on request and payment of the reissuance fee?IC 27-1-28-14(d)
An Indiana independent adjuster's home state address changes. Written notice to the commissioner is due not more than how many days after the change?IC 27-1-28-14(h)
An individual holding an Indiana independent adjuster license must report at least how many hours of continuing education courses for each two-year period?IC 27-1-28-19(a)
An individual holds a temporary emergency license for one declared catastrophe, and a second catastrophe occurs during the license period. What does IC 27-1-28-11 allow?IC 27-1-28-11(e)
Besides the lines of authority applied for and Indiana insurance law, what does the written examination test under IC 27-1-28-15?IC 27-1-28-15(a)
Claim-intake employees fall outside Indiana's independent adjuster definition only if their supervising adjuster or producer supervises no more than how many of them?IC 27-1-28-6(b)
For Indiana's independent adjuster chapter, an event is a catastrophe only if it is the subject of what?IC 27-1-28-4
How long is an Indiana independent adjuster license effective after it is issued?IC 27-1-28-14(c)
IC 27-1-28-10 bars a person from acting as an independent adjuster in Indiana unless the person is what?IC 27-1-28-10
IC 27-1-28-12 lets the commissioner approve a resident individual's adjuster application only on finding the individual is how old?IC 27-1-28-12(b)
IC 27-1-28-14(g) makes an Indiana independent adjuster subject to which section of the insurance code?IC 27-1-28-14(g)
In which lines of authority may an independent adjuster qualify under IC 27-1-28-14?IC 27-1-28-14(a)
Indiana's adjuster continuing education requirement does not apply to an individual licensed for less than how long before the end of the biennium?IC 27-1-28-19(b)
Proof from contracting insurers of claims adjudication in the same line waives Indiana's examination when it covers how many years immediately before the application?IC 27-1-28-16(a)
Under IC 27-1-28-6, with whom does an Indiana independent adjuster contract for compensation?IC 27-1-28-6(a)
What application fee does IC 27-1-28-12 set for a resident individual independent adjuster license?IC 27-1-28-12(a)
What nonresident application fee does IC 27-1-28-17 set for an independent adjuster license?IC 27-1-28-17(a)
What reissuance fee does IC 27-1-28-14(d) set for an expired independent adjuster license?IC 27-1-28-14(d)
Where does the commissioner deposit fees received under Indiana's independent adjuster chapter?IC 27-1-28-24
Which condition about the applicant's home state must be met before Indiana issues a nonresident independent adjuster license?IC 27-1-28-17(a)
Which finding must the commissioner make before approving a resident individual's application under IC 27-1-28-12?IC 27-1-28-12(b)
Which licensee is exempt from Indiana's adjuster continuing education requirement under IC 27-1-28-19(b)?IC 27-1-28-19(b)
Which of these people is not an independent adjuster under IC 27-1-28-6(b)?IC 27-1-28-6(b)
Who may be licensed in Indiana without the prelicensing course or the written examination under IC 27-1-28-15(e)?IC 27-1-28-15(e)
Adjuster duties, discipline and claim practices 25
A business entity's designated adjuster commits a violation while acting for the entity, and a partner knew of it. What else must the commissioner find to discipline the entity?IC 27-1-28-18(d)
A claimant is represented by legal counsel. When may an Indiana independent adjuster deal directly with the claimant?IC 27-1-28-21
A person regulated under Indiana's insurance title learns of a fraudulent insurance act. How soon must the information go to the department or the National Insurance Crime Bureau?IC 27-1-3-22(c)
Acts of boycott, coercion or intimidation are unfair practices under IC 27-4-1-4(a)(4) when they result or tend to result in what?IC 27-4-1-4(a)
After a hearing, what civil penalty may the Indiana commissioner impose under IC 27-1-28-18(e)?IC 27-1-28-18(e)
An adjuster demands a hearing on a refused Indiana license. Under IC 27-1-28-18(c), how soon after the commissioner receives the demand must the hearing be held?IC 27-1-28-18(c)
An Indiana independent adjuster is sanctioned by a regulator in another jurisdiction. From what event do the thirty days for reporting it to the commissioner run?IC 27-1-28-22(a)
An insurer delays a clear collision payment to press the insured on a separate dispute under the same policy. Which practice in IC 27-4-1-4.5 is this?IC 27-4-1-4.5
Before acquiring an interest or title in salvage, an Indiana independent adjuster must first receive what?IC 27-1-28-21
In negotiations on a liability insurance claim, which act does IC 27-4-1-4.5(15) name as an unfair claim settlement practice?IC 27-4-1-4.5
The Indiana commissioner refuses to renew an independent adjuster license and gives written notice of the reason. How long does the licensee have to demand a hearing in writing?IC 27-1-28-18(c)
On which persons may the Indiana commissioner impose the civil penalty of IC 27-1-28-18(e)?IC 27-1-28-18(e)
Refusing to pay a claim is an unfair claim settlement practice in Indiana when it is done without what?IC 27-4-1-4.5
Requiring a preliminary claim report and then formal proof of loss forms is an unfair claim settlement practice in Indiana when the two submissions are what?IC 27-4-1-4.5
Under 18 U.S.C. 1033(e), which conviction bars an individual from the business of insurance unless written consent is given?18 U.S.C. 1033(e)
Under IC 27-4-1-4(a)(16), unfair claim settlement practices become an unfair and deceptive act when they are committed how?IC 27-4-1-4(a)
Under IC 27-4-1-4.5, within what time after proof of loss statements are completed must coverage of a claim be affirmed or denied?IC 27-4-1-4.5
What must a preprinted claim form that an insurer requires as a condition of payment contain under IC 27-2-16-3?IC 27-2-16-3(a)
What must an Indiana independent adjuster's report of a criminal action include?IC 27-1-28-22(b)
What records rule does IC 27-1-28-20 set for an Indiana independent adjuster?IC 27-1-28-20
When a claim is denied, what must be provided promptly to avoid an unfair claim settlement practice under IC 27-4-1-4.5(14)?IC 27-4-1-4.5
When dealing with a policyholder or claimant, what must an Indiana independent adjuster identify?IC 27-1-28-21
Which is a cause for which the commissioner may suspend or revoke an independent adjuster license under IC 27-1-28-18(b)?IC 27-1-28-18(b)
Which of these does IC 27-1-28-21 forbid an independent adjuster to have?IC 27-1-28-21
Which paper must go with a claim payment to an insured or beneficiary under IC 27-4-1-4.5(10)?IC 27-4-1-4.5
Public adjusters 21
A claimant wants legal counsel. What may an Indiana public adjuster not do under IC 27-1-27-9?IC 27-1-27-9
A nonresident public adjuster fails to keep the home state license in good standing. What may the Indiana commissioner do under IC 27-1-27-7.2?IC 27-1-27-7.2
A person with no certificate of authority signs a public adjusting contract for a loss that occurred in Indiana. What is the status of the contract?IC 27-1-27-11
A public adjuster is to be paid a percentage of what the insurer pays. Which contract term does IC 27-1-27-15 prohibit?IC 27-1-27-15
A public adjuster may not act in any manner in relation to which claims under IC 27-1-27-1.5?IC 27-1-27-1.5
A public adjuster's surety bond, payable to the state of Indiana and renewed each year, must be in what sum?IC 27-1-27-4(e)
After a contract with a public adjuster is voided under IC 27-1-27-19, what deadline does the adjuster have for giving back things of value received from the insured?IC 27-1-27-19
An insured may void an Indiana public adjuster contract up to how long after the insurer is provided a copy of it?IC 27-1-27-19
Before an Indiana public adjuster provides services other than emergency services, an exact copy of the executed contract must go to whom?IC 27-1-27-13
Before entering into a contract, an Indiana public adjuster must give the insured a written disclosure of what?IC 27-1-27-12
Before receiving a certificate of authority, what must a nonresident public adjuster applicant file with the Indiana commissioner?IC 27-1-27-5
The disclosure document an Indiana public adjuster gives before a contract defines three types of adjusters. Which three?IC 27-1-27-14
For whom does an Indiana public adjuster render advice or assistance in adjusting a claim, for compensation?IC 27-1-27-1(g)
How is the holder of an Indiana public adjuster's certificate of authority styled under IC 27-1-27-2?IC 27-1-27-2
How quickly must an insurer pay, or promise in writing, the full policy limit, counted from the report of the loss, for IC 27-1-27-18 to bar a public adjuster's percentage fee?IC 27-1-27-18
The insurer commits to pay the policy limit within the time set by IC 27-1-27-18. On what is the public adjuster's compensation then based?IC 27-1-27-18
What annual fee does IC 27-1-27-4 set for a public adjuster's certificate of authority, unless the commissioner changes it by rule?IC 27-1-27-4(c)
What offense does a person commit by adjusting an insurance loss in Indiana without the required public adjuster's certificate of authority?IC 27-1-27-11
When does an Indiana public adjuster's certificate of authority expire?IC 27-1-27-4(d)
While advising an insured on a claim, an Indiana public adjuster may not also perform which role on the subject of that claim?IC 27-1-27-1.5
Whose obligation is an Indiana public adjuster's fee under IC 27-1-27-17?IC 27-1-27-17
Department, insurers and guaranty association 12
A claim under an insolvent insurer's Indiana policy includes an amount awarded as punitive damages. How does IC 27-6-8-4 treat that amount?IC 27-6-8-4(a)
A company holding an Indiana certificate of authority elects a new director. Within how many days must it notify the commissioner?IC 27-1-3-20(b)
A company's director knowingly lets it transact insurance in Indiana without a certificate of authority. Under IC 27-1-3-20(e), what offense is that?IC 27-1-3-20(e)
A foreign company may not be admitted to transact a kind of insurance business in Indiana when what is true of that kind?IC 27-1-17-2
A policyholder of an insolvent Indiana insurer claims a refund of premium not yet earned. What cap for each policy does IC 27-6-8-7 put on that payment?IC 27-6-8-7(a)
A surplus lines producer may place Indiana coverage with an insurer not authorized in the state when what is shown?IC 27-1-15.8-3
An insolvent insurer owes benefits under a worker's compensation policy. What share of that covered claim does IC 27-6-8-7 have the guaranty association pay?IC 27-6-8-7(a)
IC 27-1-1-2 has the Indiana insurance commissioner serve, and be removable, at whose pleasure?IC 27-1-1-2
IC 27-6-8-7 caps the guaranty association's payment on an ordinary covered claim, such as a liability claim for one person's bodily injury, at what amount?IC 27-6-8-7(a)
The Indiana commissioner may revoke or suspend a company's authority to do business in the state when the company refuses what?IC 27-1-3-10
The Indiana Insurance Guaranty Association keeps a worker's compensation account, an automobile account and which third account?IC 27-6-8-5
What may an insurer or producer not do with the existence of Indiana's property and casualty guaranty association under IC 27-6-8-19?IC 27-6-8-19
Auto, property and mine subsidence law 16
A structure shows unrepaired mine subsidence damage. What must an Indiana insurer do about mine subsidence coverage for it?IC 27-7-9-8(f)
An Indiana insurer cancels a private passenger auto policy because the named insured's driver's license was suspended. At least how long before the cancellation takes effect must the notice be mailed?IC 27-7-6-5(a)
An insurer directs a body shop to use a type of body part different from the type the insured approved in writing. What has the insurer committed?IC 27-4-1.5-11
Before directing a body shop to repair the exterior of a motor vehicle, what must an Indiana insurer present to the insured?IC 27-4-1.5-8
IC 27-7-6-8 requires a cancellation notice for automobile liability coverage, unless the cause is unpaid premium, to tell the named insured about what?IC 27-7-6-8
In Indiana, underinsured motorist coverage must be made available in limits of not less than what amount?IC 27-7-5-2(a)
Indiana's body parts notice rule applies only during how many years after the model year of the motor vehicle?IC 27-4-1.5-8
Indiana's mine subsidence deductible equals what percent of the insured value of the structure, within its dollar floor and cap?IC 27-7-9-8(a)
One named insured rejects uninsured motorist coverage in writing. Whom does that rejection bind under IC 27-7-5-2(b)?IC 27-7-5-2(b)
Up to what amount must Indiana mine subsidence coverage be available for additional living expenses of an insured displaced from the covered structure?IC 27-7-9-8(a)
What are the floor and the cap on the mine subsidence deductible in IC 27-7-9-8?IC 27-7-9-8(a)
What form must a rejection of uninsured and underinsured motorist coverage take under IC 27-7-5-2?IC 27-7-5-2
What is 'mine subsidence' in IC 27-7-9-3?IC 27-7-9-3
What is a 'body part' for Indiana's motor vehicle repair notice chapter?IC 27-4-1.5-1
Which body part choices must the insurer's notice under IC 27-4-1.5-8 let the insured select from?IC 27-4-1.5-8
Which is a prohibited basis for terminating residential property insurance coverage under IC 27-7-12-7?IC 27-7-12-7
Worker's compensation 12
A minor is injured while employed in violation of the child labor law named in IC 22-3-6-1(c). How much compensation is recoverable?IC 22-3-6-1(c)
A worker who had already lost one hand loses the other in a later industrial accident and is permanently and totally disabled. For what is the employer liable under IC 22-3-3-13?IC 22-3-3-13(b)
A worker's compensation risk must be insured and accepted by bureau members after it is rejected in writing by how many members of the rating bureau?IC 27-7-2-28
An employer denies compensation because the injury was due to the employee's intoxication. Who has the burden of proof on that issue under IC 22-3-2-8?IC 22-3-2-8
An employer's insurance carrier denies liability, or cannot yet determine it. How soon after the employer's knowledge of the claimed injury must it notify the board and the employee in writing?IC 22-3-3-7(c)
An Indiana worker's compensation claim is forever barred unless it is filed with the board within what time after the accident?IC 22-3-3-3
Apart from medical benefits, on which day of a disability to work does Indiana weekly compensation start?IC 22-3-3-7(a)
For Indiana's worker's compensation law, a 'minor' is an individual who has not reached what age?IC 22-3-6-1(c)
Instead of insuring the payment of compensation, what may an Indiana employer procure?IC 22-3-2-5
Under IC 22-3-2-6, what do the rights and remedies of Indiana's worker's compensation law do to an employee's other remedies for the same injury?IC 22-3-2-6
Which workers does IC 22-3-2-9 leave outside Indiana's worker's compensation law unless the employer waives the exemption?IC 22-3-2-9
Who bears the burden of proof on an Indiana worker's compensation claim under IC 22-3-2-2?IC 22-3-2-2
How this list was compiled: Indiana Code Title 27 (Insurance), 2026 edition: IC 27-1-28 (independent adjuster licensing) and IC 27-1-27 (public adjusters), with IC 27-1-1-2, 27-1-3-10, 27-1-3-20, 27-1-3-22, 27-1-15.8-3, 27-1-17-2, 27-2-16-3, 27-4-1-4, 27-4-1-4.5, 27-4-1.5, 27-6-8, 27-7-2-28, 27-7-5-2, 27-7-6, 27-7-9 and 27-7-12-7, and Title 22, IC 22-3-2, 22-3-3 and 22-3-6 (worker's compensation), read on October 12, 2026 in the Indiana General Assembly's files (https://iga.in.gov/ic/2026/Title_27.html and https://iga.in.gov/ic/2026/Title_22.html). One question rests on 18 U.S.C. 1033, read that day in the United States Code, 2023 edition (https://www.govinfo.gov/content/pkg/USCODE-2023-title18/html/USCODE-2023-title18-partI-chap47-sec1033.htm). The topics and the sections asked follow parts I, III and VIII of the Independent Adjuster outline in the Indiana Insurance Content Outlines, effective November 26, 2025, which the Indiana Department of Insurance links from its examination procedure page (https://www.in.gov/idoi/licensing/resident-licensing/examination-procedure-checklist; the outlines: https://www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/121501.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 free adjuster license practice test for Indiana asks the state-law parts of the Independent Adjuster exam: 120 of our own questions, each naming its Indiana Code or federal section. Unofficial; not affiliated with the Indiana Department of Insurance.
Read the full guide
Which parts of the outline these are
The outline effective November 26, 2025 gives Indiana laws and department rules 16 of its scored questions and personal lines regulations 3, and lists the state's worker's compensation law inside a 5-question part. Everything else is policies, forms and adjusting practice, which are not asked here.
What only Indiana's code says
The independent adjuster license sits in IC 27-1-28; a public adjuster holds a certificate of authority under IC 27-1-27 instead. The claim practices list in IC 27-4-1-4.5 sets no number of days: coverage is affirmed or denied within a reasonable time after proof of loss.
Exam mode
Exam mode keeps the real exam's length and clock, but all of its questions are law questions.
The license lasts two years; renewal costs $40 and takes 24 hours of continuing education (IC 27-1-28-14, IC 27-1-28-19).
An independent adjuster may not hold a financial interest in an adjustment, or take salvage without the principal's written authority (IC 27-1-28-21).
A carrier denying worker's compensation liability tells the board and the employee within 30 days of the employer's knowledge of the claimed injury (IC 22-3-3-7).
Questions and answers
How many questions are on the Indiana adjuster exam?
The Independent Adjuster exam has 100 scored questions plus 5 unscored pretest questions, by the content outline effective November 26, 2025. The candidate handbook of August 2026 allots 105 minutes and gives a passing score of 70.
Is this Indiana adjuster license practice test free?
Yes. All 120 questions are open, and your answers stay in your browser. The questions were written for this page from the text of the law; none comes from the state exam, and the Indiana Department of Insurance did not write or review them.
Who needs an adjuster license in Indiana?
Under IC 27-1-28-10, no person may act as an independent adjuster in Indiana unless licensed or exempt. IC 27-1-28-6 leaves out insurers' own employees, attorneys acting as attorneys, and people who settle only crop, life or health claims.
What do you need to take the Indiana independent adjuster exam?
The candidate handbook of August 2026 asks for a 40-hour adjuster prelicensing course certificate, with testing within six months of the completion date. IC 27-1-28-15 waives the course and the exam for holders of an approved claims certification.
Does Indiana license public adjusters?
Yes, under its own chapter. A public adjuster holds a certificate of authority that expires each December 31, files a $10,000 surety bond and takes a separate 60-question examination (IC 27-1-27; candidate handbook of August 2026).