A licensed Maine producer is authorized by contract to settle and pay claims. Up to what limit, in ordinary times, is that producer outside the adjuster definition?24-A M.R.S. §1402(1)
A Maine adjuster trainee has less than how much total experience handling loss claims?24-A M.R.S. §1402(2)
A Maine adjuster wants to adjust a claim for an insured for a fee paid by the insured. How long after the accident must the adjuster wait before offering a contract?24-A M.R.S. §1476(1)
A Maine licensee does not pay the required license fees. After how long from the due date does the failure result in suspension or revocation?24-A M.R.S. §1416-A(3)
A person adjusts only life and health insurance claims in Maine. Does that person need an adjuster license?24-A M.R.S. §1402(1)
An applicant's home state does not license adjusters. Which state may the applicant designate as home state for a Maine nonresident adjuster license?24-A M.R.S. §1477(1)
An authorized insurer sends an adjuster into Maine to adjust one particularly unusual or extraordinary loss. Is a Maine adjuster license required?24-A M.R.S. §1475
Show all 82 questions (75 more)
Adjuster licensing and records, continued
Besides a copy of each investigation or adjustment, what must a Maine adjuster's record of a transaction include?24-A M.R.S. §1474(2)
Besides age and the examination, what does section 1472 require of a Maine adjuster applicant?24-A M.R.S. §1472(2)
By what date does a nonresident adjuster licensed in Maine pay the biennial license continuation fee?24-A M.R.S. §1416-A(2)
By what date does a resident Maine adjuster pay the biennial license continuation fee?24-A M.R.S. §1416-A(2)
Does Maine's definition of an adjuster cover a person who, for a fee, settles claims on behalf of an insured?24-A M.R.S. §1402(1)
For how long must a Maine adjuster retain the records of transactions under the license?24-A M.R.S. §1474(3)
For how long must the adjuster who supervises a Maine adjuster trainee have been established in the business of adjusting?24-A M.R.S. §1402(2)
How long does a Maine adjuster license stay in force?24-A M.R.S. §1416-A(1)
In the catastrophe circumstance described in section 1475, a Maine producer's claim-settling limit rises temporarily to what amount?24-A M.R.S. §1402(1)
Maine exempts certain employees who only collect claim information on portable electronic device insurance. How many of them may one licensed adjuster supervise under the exemption?24-A M.R.S. §1402(1)
No examination is required for the same type of license that an applicant held in Maine within what period, if other conditions are met?24-A M.R.S. §1427-A(3)
What is the youngest age at which a person may be licensed as an adjuster in Maine?24-A M.R.S. §1472(2)
What must a business entity designate to be licensed as an adjuster in Maine?24-A M.R.S. §1424-A(2)
Where does a Maine adjuster keep the record of all transactions under the license?24-A M.R.S. §1474(1)
Where in a Maine adjustment services contract must the notice of the right to rescind be printed?24-A M.R.S. §1476(2)
Which of these people is left out of Maine's definition of an adjuster?24-A M.R.S. §1402(1)
Who may not use Maine's examination exemption for a license held within the past 2 years?24-A M.R.S. §1427-A(3)
Within how long after signing may a person rescind an adjustment services contract with a Maine adjuster?24-A M.R.S. §1476(2)
Claim practices and overdue claims 23
A claimant asks a Maine insurer for the forms needed to present a claim. Within how long must the insurer provide them, with reasonable explanations?24-A M.R.S. §2164-D(3)
A Maine insured asks an agent for loss information. How soon must the agent pass the request to the insurer?24-A M.R.S. §3042(2)
A Maine insured asks the insurer in writing for loss information on a policy. How soon must the insurer provide it?24-A M.R.S. §3042(1)
A Maine insurer recommends a particular motor vehicle repair shop. What must it tell the claimant?24-A M.R.S. §2164-C(2)
A Maine insurer requires claimants to use a repair shop it owns. What must the insurer adopt and implement?24-A M.R.S. §2164-D(3)
After receiving notice of a fire loss, how soon must a Maine insurer or its representative begin adjustment of the loss?24-A M.R.S. §3041(1)
An act listed in Maine section 2164-D is an unfair claims practice when done often enough to show a general business practice, or when done in what other way?24-A M.R.S. §2164-D(2)
By what date each year does a Maine insurer file its report on fraudulent insurance acts of the previous calendar year?24-A M.R.S. §2186(4)
Does Maine section 2164-D give a claimant a private cause of action for a violation?24-A M.R.S. §2164-D(8)
How does a Maine insurer dispute a claim under section 2436?24-A M.R.S. §2436(2)
In a Maine fire insurance policy, what does 'the date of loss' mean?24-A M.R.S. §3041(2)
In what form must a Maine insurer explain the basis of a claim denial or an offer of compromise settlement?24-A M.R.S. §2164-D(3)
May a Maine insurer require that collision repairs to a motor vehicle be made at a specified place of business?24-A M.R.S. §2164-C(2)
Overdue benefits are recovered in an action against a Maine insurer. Who pays the claimant's reasonable attorney's fee?24-A M.R.S. §2436(4)
Under Maine's section 2436-A, when does an insurer act 'without just cause'?24-A M.R.S. §2436-A(2)
What must every insurance application and claim form used by insurers in Maine contain?24-A M.R.S. §2186(3)
When does Maine's 15-day duty to provide claim forms not apply?24-A M.R.S. §2164-D(3)
When does Maine's rule against compelling insureds to sue by making low offers not apply?24-A M.R.S. §2164-D(4)
Which claims are outside Maine's unfair claims practices section, 2164-D?24-A M.R.S. §2164-D(9)
Which failure is on the list of unfair claims practices in Maine's section 2164-D?24-A M.R.S. §2164-D(3)
Who may bring a civil action under Maine's section 2436-A on unfair claims settlement practices?24-A M.R.S. §2436-A(1)
Within the 30 days after proof of loss, a Maine insurer asks in writing for reasonable additional information. When does the undisputed claim become overdue?24-A M.R.S. §2436(1)
Maine Tort Claims Act 11
A Maine governmental entity's insurance covers an area where the entity is immune. What follows?14 M.R.S. §8116
A Maine town buys liability insurance with limits above the Tort Claims Act limit. What limit applies to a covered claim?14 M.R.S. §8116
A notice of claim is filed with a Maine governmental entity. If the entity does not act, after how long is the claim deemed denied?14 M.R.S. §8108
For which of these is a Maine governmental entity liable under the exceptions to immunity?14 M.R.S. §8104-A(1)
What is the general rule of the Maine Tort Claims Act on tort suits against governmental entities?14 M.R.S. §8103(1)
What is the limit on damages, including costs, against a Maine governmental entity for all claims from a single occurrence?14 M.R.S. §8105(1)
What is the limit on the personal liability of a Maine governmental employee for negligence within the scope of employment, for claims from a single occurrence?14 M.R.S. §8104-D
Which amount is not counted inside the damage limit of the Maine Tort Claims Act?14 M.R.S. §8105(2)
Which damages may never be part of a judgment against a Maine governmental entity?14 M.R.S. §8105(5)
Within how long after a claim accrues must written notice be filed with a Maine governmental entity, absent good cause?14 M.R.S. §8107(1)
Within how long after the cause of action accrues must an action under the Maine Tort Claims Act be begun?14 M.R.S. §8110
Discipline and the superintendent 13
A Maine adjuster's license is revoked. May the person take part in running an adjusting business?24-A M.R.S. §1412(1)
A Maine applicant makes written demand for a hearing on a license denial. How soon after the demand must the hearing be held?24-A M.R.S. §1420-K(2)
A Maine licensee voluntarily surrenders a license. What may the superintendent still do, after notice and opportunity for hearing?24-A M.R.S. §1417(3)
A nonresident adjuster's home state license is no longer active. How long after the final home state action may Maine's superintendent cancel the Maine license?24-A M.R.S. §1417(1-A)
After revocation, which compensation may a former Maine licensee still receive?24-A M.R.S. §1412(2)
Do the license-discipline causes listed for producers in Maine section 1420-K apply to adjusters?24-A M.R.S. §1417(1)
Maine's superintendent believes a person has broken an insurance law for which criminal prosecution is in order. To whom does the superintendent give the information?24-A M.R.S. §214(2)
Under section 1473, for what may Maine's superintendent discipline an adjuster in addition to the general causes?24-A M.R.S. §1473
Unless the superintendent defers it, how often must a domestic insurer be examined in Maine?24-A M.R.S. §221(1)
What class of crime is a violation of Maine's section 1412 on the activities of people who have lost a license?24-A M.R.S. §1412(4)
When may a Maine business entity lose its license over one individual licensee's violation?24-A M.R.S. §1420-K(3)
Which act at a license examination is a listed cause for discipline in Maine?24-A M.R.S. §1420-K(1)
Which court's aid may Maine's superintendent invoke, through the Attorney General, to enforce a lawful order?24-A M.R.S. §214(1)
Insurable interest and the standard fire policy 10
A company that chooses to repair or replace damaged property under the Maine standard fire policy must give notice of that intention within how long after receiving the proof of loss?24-A M.R.S. §3002
A Maine dealer's vehicle is driven by an operator who has another valid policy. Under section 2909, which coverage is primary?24-A M.R.S. §2909(3)
How does Maine define an insurable interest in property?24-A M.R.S. §2406(2)
May an insured abandon damaged property to the company under the Maine standard fire policy?24-A M.R.S. §3002
Under the appraisal clause of the Maine standard fire policy, within how long of a written demand must each side select an appraiser and notify the other?24-A M.R.S. §3002
Under the Maine standard fire policy, the two appraisers cannot agree on an umpire. After how many days may a judge be asked to select one?24-A M.R.S. §3002
Unless the policy provides otherwise in writing, the Maine standard fire policy does not cover loss while a described building is vacant or unoccupied beyond how long?24-A M.R.S. §3002
When must an insurable interest in property exist for a Maine property insurance contract to be enforceable?24-A M.R.S. §2406(1)
Which property does the Maine standard fire policy say it shall not cover?24-A M.R.S. §3002
Within what time after inception of the loss must a suit on the Maine standard fire policy be commenced?24-A M.R.S. §3002
How this list was compiled: Own questions, written from the Maine Revised Statutes as published on the Maine Legislature's website (https://legislature.maine.gov/statutes/), read on October 15, 2026: Title 24-A, the Maine Insurance Code (chapter 3; chapter 16, subchapters 1, 2, 3 and 6; sections 2164-C, 2164-D, 2186, 2406, 2436, 2436-A, 2909, 3002, 3041 and 3042), and Title 14, chapter 741, the Maine Tort Claims Act. The topics follow parts II to VI of the Property and Casualty Adjuster Exam outline (50 questions) in the Maine Examination Content Outlines effective February 2, 2026, which print the statute references beside each topic; the outlines and the Maine Insurance Licensing Candidate Handbook (March 2026) are published by the Maine Bureau of Insurance's examination administrator (the outlines: https://www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/122006.pdf; the handbook: https://www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/122000.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 Maine adjuster license practice test asks the state-law part of the Property and Casualty Adjuster Exam: 82 of our own questions from the Maine Revised Statutes, each naming its section. Not affiliated with the Maine Bureau of Insurance.
Read the full guide
What the exam covers
Of the 50 questions on the Property and Casualty Adjuster Exam, 27 are on policy types and terms and 23 on Maine law: insurance law 5, claims 9, contracts 4, automobile insurance 3 and property insurance 2.
What the Maine law part cites
Title 24-A chapter 16 on licensing; sections 2164-C, 2164-D, 2436 and 2436-A on claims; the standard fire policy of section 3002; and the Maine Tort Claims Act, Title 14 sections 8101 to 8108. Cancellation and automobile limits are asked on the Maine property and casualty page.
An adjuster hired by the insured waits 36 hours after the loss to offer a contract; the client may rescind within 2 business days (§1476).
Tort Claims Act: notice within 365 days, suit within 2 years, damages capped at $400,000 per occurrence (14 M.R.S. §§8105, 8107, 8110).
After notice of a fire loss, adjustment begins within 20 days (24-A M.R.S. §3041).
Questions and answers
How many questions are on the Maine adjuster exam?
50 questions on the Property and Casualty Adjuster Exam, by the content outline effective February 2, 2026. The candidate handbook of March 2026 allots 60 minutes.
What score passes the Maine adjuster exam?
The candidate handbook gives a passing score of 70, reported as a scaled score from zero to 100 that is neither the number nor the percentage of questions answered correctly.
Is this Maine adjuster license practice test free?
Yes. All 82 questions are open, and your answers stay in your browser. The questions were written for this page from the statutes; none comes from the state exam, and the Maine Bureau of Insurance did not write or review them.
Who needs an adjuster license in Maine?
Under 24-A M.R.S. §1411, nobody may act as an adjuster without a license. Section 1402 leaves out, among others, Maine attorneys, adjusters who are employees of insurers, and people who adjust only life and health claims.