An applicant lives in a state that denies a comparable license to Michigan residents solely because of residency. What does MCL 500.1224(3) say?Answer: The commissioner shall not issue the license. Source: MCL 500.1224(3)
An insurer's employee adjusts losses only under policies that insurer issued. What does MCL 500.1222 require of the employee?Answer: No adjuster license. Source: MCL 500.1222(2)
Besides a written examination, what may the commissioner use to look into an applicant's qualifications under MCL 500.1224(2)?Answer: Investigations and interrogatories. Source: MCL 500.1224(2)
Besides adjusting a loss, what may a person not do without an adjuster license under MCL 500.1222(1)?Answer: Advertise, solicit business or hold out to the public as an adjuster. Source: MCL 500.1222(1)
Besides the insurance the applicant will deal with, what must an adjuster applicant reasonably understand under MCL 500.1224(3)?Answer: The insurance laws of Michigan. Source: MCL 500.1224(3)
The data-entry exemption of MCL 500.1222(2)(e) speaks of an automated claims adjudication system. For which claims is that system designed?Answer: Portable consumer electronic insurance claims. Source: MCL 500.1222(2)
Show all 161 questions (155 more)
Adjuster licensing, continued
For whom may the commissioner waive the adjuster examination under MCL 500.1224(2)?Answer: A person licensed as an adjuster within the preceding 12 months. Source: MCL 500.1224(2)
How long does the commissioner have to decide on a properly completed adjuster application?Answer: 60 days after receipt. Source: MCL 500.1224(2)
How may a notice of hearing be served on an adjuster under MCL 500.1238(2)?Answer: By first class mail to the mailing address the adjuster reported. Source: MCL 500.1238(2)
How soon must a Michigan adjuster tell the commissioner of a change in mailing or electronic mail address?Answer: Within 30 days after the change. Source: MCL 500.1238(1)
The state where an adjuster lives does not license adjusters. Which state is the adjuster's home state under MCL 500.1224(6)?Answer: A state where the adjuster is licensed in good standing, designated by the adjuster. Source: MCL 500.1224(6)
To whom may the commissioner not issue an adjuster license under MCL 500.1224(4)?Answer: A person who owns stock in a fire repair contractor. Source: MCL 500.1224(4)
Under whose supervision must a data-entry individual work to be exempt under MCL 500.1222(2)(e)?Answer: A licensed independent adjuster or an exempt insurer employee. Source: MCL 500.1222(2)
What must a resident of Canada have done to receive a Michigan nonresident adjuster license under MCL 500.1224(5)?Answer: Received a resident adjuster license from another state, or declared one the home state. Source: MCL 500.1224(5)
When is a licensed insurance producer exempt from the adjuster license under MCL 500.1222(2)(d)?Answer: When an insurer has granted the producer claim authority. Source: MCL 500.1222(2)
Where does MCL 500.1200 send the reader for the meaning of "good moral character"?Answer: 1974 PA 381, MCL 338.41 to 338.47. Source: MCL 500.1200
Which addresses must an applicant for an adjuster license report to the commissioner under MCL 500.1238(1)?Answer: Mailing and electronic mail addresses. Source: MCL 500.1238(1)
Which kind of adjuster does MCL 500.1222(2)(b) exempt from the license by name?Answer: A marine average adjuster. Source: MCL 500.1222(2)
Which of these must the commissioner find before issuing an adjuster license under MCL 500.1224(3)?Answer: A good business reputation. Source: MCL 500.1224(3)
Which of these people is exempt from adjuster licensure under MCL 500.1222(2)?Answer: A person admitted to the practice of law in Michigan. Source: MCL 500.1222(2)
Adjusters for the insured 16
A contract with an adjuster for the insured is voidable at the insured's option if signed soon after the loss-producing occurrence ends. How soon?Answer: Within 48 hours. Source: MCL 500.1226(4)
An insured asks the adjuster for the insured for a cash advance while the claim is being adjusted. What does MCL 500.1227(3) say?Answer: The adjuster shall not advance money or any other valuable thing. Source: MCL 500.1227(3)
For how long after signing may the insured void a contract signed in that window under MCL 500.1226(4)?Answer: 10 days. Source: MCL 500.1226(4)
How long must an adjuster for the insured keep the record of a transaction after it ends?Answer: At least 6 years. Source: MCL 500.1228(2)
How must an adjuster identify himself or herself to a prospective client when soliciting a loss?Answer: Orally, as an adjuster for the insured. Source: MCL 500.1226(2)
May an adjuster for the insured collect a fee from a repair contractor for getting the contractor the repair work?Answer: No; MCL 500.1227(2) forbids it. Source: MCL 500.1227(2)
What does MCL 500.1226(4) say about side agreements outside the written contract?Answer: The written contract is the entire agreement. Source: MCL 500.1226(4)
What is the most an adjuster for the insured may charge for services under MCL 500.1226(3)?Answer: 10% of the amount the insurer pays in settlement. Source: MCL 500.1226(3)
What must an adjuster for the insured have before providing services to a client?Answer: A written contract on a form approved by the commissioner. Source: MCL 500.1226(4)
What must the record of an adjuster for the insured show about how the client was solicited?Answer: The name of each person soliciting, with the date and time. Source: MCL 500.1228(1)
What must the record show about money under MCL 500.1228(1)(g)?Answer: Total compensation received and the amount paid to each representative. Source: MCL 500.1228(1)
When may an adjuster for the insured not solicit a loss under MCL 500.1227(1)?Answer: While the fire department is engaged at the damaged premises. Source: MCL 500.1227(1)
When must the insured be given a copy of the contract with an adjuster for the insured?Answer: When the contract is executed. Source: MCL 500.1226(4)
When soliciting a loss, what must the card or document an adjuster for the insured leaves with the prospect show?Answer: That he or she is an adjuster for the insured, and the rates charged. Source: MCL 500.1226(2)
Which claim about himself or herself may an adjuster for the insured not make under MCL 500.1226(2)?Answer: That he or she is a fire investigator. Source: MCL 500.1226(2)
Whom may an adjuster for the insured pay to help solicit or adjust a loss under MCL 500.1226(1)?Answer: Only a person the adjuster regularly employs who is licensed as an adjuster. Source: MCL 500.1226(1)
Discipline and penalties 20
A licensee knew or reasonably should have known of a violation of the licensing chapter. What is the largest civil fine for each violation?Answer: $5,000. Source: MCL 500.1244(1)
A person knowingly violates a cease and desist order under the licensing chapter. What is the largest civil fine for each violation?Answer: $20,000. Source: MCL 500.1244(3)
After a hearing on a summary suspension ends, how long does the commissioner have to announce a decision?Answer: 30 days. Source: MCL 500.1242(4)
An applicant is refused an adjuster license. How long after the notice of refusal is mailed may the applicant ask in writing for a hearing?Answer: 30 days. Source: MCL 500.1242(1)
Before a notice of hearing issues on an unfair trade practice, what must the person be offered under MCL 500.2029?Answer: An opportunity to confer and discuss the possible complaint. Source: MCL 500.2029
Besides a fine, what may the director order for an insured harmed by a violation of the licensing chapter?Answer: Restitution to cover the incurred losses. Source: MCL 500.1244(1)
By what standard must the commissioner find it probable that an applicant's business will give rise to coercion, to refuse a license under MCL 500.1242(3)?Answer: A preponderance of the evidence. Source: MCL 500.1242(3)
Does filing a petition for review stop enforcement of an order under MCL 500.2038?Answer: No, unless the director grants or a court orders a stay. Source: MCL 500.2038(2)
For unfair trade practices by a person who did not know of the violation, what is the aggregate cap on the monetary penalty under MCL 500.2038(1)?Answer: $10,000. Source: MCL 500.2038(1)
If requested, how soon after a summary suspension takes effect must the commissioner hold a hearing on it?Answer: Not later than 20 days. Source: MCL 500.1242(4)
The larger aggregate cap of $50,000 in MCL 500.2038(1) covers all violations committed in what period?Answer: 6-month period. Source: MCL 500.2038(1)
To which court may the director apply for an order enjoining a violation of the licensing chapter?Answer: The court of claims. Source: MCL 500.1244(4)
What is the largest civil fine for each violation of the licensing chapter when the person did not know of the violation?Answer: $1,000. Source: MCL 500.1244(1)
What is the largest fine for each violation of MCL 500.2064, on misrepresenting policy terms, under MCL 500.2069?Answer: $2,000. Source: MCL 500.2069
What is the most in civil fines one order of the director may require under MCL 500.1244(1)?Answer: $50,000. Source: MCL 500.1244(1)
What must a notice refusing an adjuster license contain under MCL 500.1242(1)?Answer: The basis for the refusal, in writing. Source: MCL 500.1242(1)
When may the commissioner suspend a license summarily, with no prior hearing?Answer: When protection of the public requires emergency action. Source: MCL 500.1242(4)
When may the director suspend or revoke a license for unfair trade practices under MCL 500.2038(1)(b)?Answer: If the person knowingly and persistently violated the chapter. Source: MCL 500.2038(1)
Where does a civil fine collected under MCL 500.1244 go?Answer: To the state treasurer, for the general fund. Source: MCL 500.1244(1)
Which court enforces the commissioner's hearing subpoenas under MCL 500.1242(5)?Answer: The circuit court of Ingham county. Source: MCL 500.1242(5)
Unfair trade practices and fraud 19
A claimant gives an insurer a statement in support of a claim, knowing it holds false information material to the claim, intending to defraud. What is this under MCL 500.4503(c)?Answer: A fraudulent insurance act. Source: MCL 500.4503(c)
A court finds a practitioner guilty of a fraudulent insurance act. Whom must the court notify under MCL 500.4511(3)?Answer: The appropriate licensing authority in Michigan. Source: MCL 500.4511(3)
A false statement about an insurer's financial condition is an unfair practice under MCL 500.2009 when it is what?Answer: Calculated to injure a person engaged in the business of insurance. Source: MCL 500.2009
An adjuster reports suspected insurance fraud to a government agency, acting without malice. What does MCL 500.4509(1) provide?Answer: No liability for filing the report, unless the adjuster knows it is false. Source: MCL 500.4509(1)
False statements on an insurance application are an unfair practice under MCL 500.2018 when made for what purpose?Answer: To obtain a fee, commission, money or other benefit. Source: MCL 500.2018
How may a statement misrepresent a policy's terms under MCL 500.2005?Answer: By omitting a material fact or stating one incorrectly. Source: MCL 500.2005
What does MCL 500.2005(e) presume about a policy the commissioner has approved?Answer: That its name does not misrepresent its true nature. Source: MCL 500.2005(e)
What is the largest fine for a fraudulent insurance act under MCL 500.4511(1)?Answer: $50,000. Source: MCL 500.4511(1)
What is the longest imprisonment for a conspiracy to commit a fraudulent insurance act under MCL 500.4511(2)?Answer: 10 years. Source: MCL 500.4511(2)
What is the longest imprisonment for a fraudulent insurance act under MCL 500.4511(1)?Answer: 4 years. Source: MCL 500.4511(1)
What makes an advertisement about the business of insurance an unfair practice under MCL 500.2007?Answer: It is untrue, deceptive or misleading. Source: MCL 500.2007
What must a method of marketing insurance disclose in a conspicuous manner under MCL 500.2005a(c)?Answer: That a purpose is solicitation of insurance and an agent or company will make contact. Source: MCL 500.2005a(c)
What state of mind makes an act a fraudulent insurance act under MCL 500.4503?Answer: Knowingly, and with an intent to injure, defraud, or deceive. Source: MCL 500.4503
Which act for an insolvent insurer is a fraudulent insurance act under MCL 500.4503(e)?Answer: Soliciting or accepting new or renewal insurance risks. Source: MCL 500.4503(e)
Which concerted act does MCL 500.2012 define as an unfair practice?Answer: Boycott, coercion or intimidation that restrains the business of insurance. Source: MCL 500.2012
Which marketing method does MCL 500.2005a(b) name as an unfair practice?Answer: Inducing a purchase through force, fright, threat or undue pressure. Source: MCL 500.2005a(b)
Which misrepresentation about a guaranty association is an unfair practice under MCL 500.2005(i)?Answer: Misstating the nature or extent of the coverage it affords. Source: MCL 500.2005(i)
Which of these does MCL 500.2003 leave out of "person" for the trade practices chapter?Answer: The property and casualty guaranty association. Source: MCL 500.2003(2)
Which three roles does MCL 500.4503(h) name for a person used to obtain insurance benefits fraudulently?Answer: Runner, capper or steerer. Source: MCL 500.4503(h)
Claim payment and fire policy rules 34
After a written demand for appraisal under a fire policy, how long does each party have to pick an appraiser and name that appraiser to the other?Answer: 20 days. Source: MCL 500.2833(1)
An amount supported by proof of loss is paid on a timely basis under MCL 500.2006(3) if paid within how long after the insurer receives the proof?Answer: 60 days. Source: MCL 500.2006(3)
An insurer lets insureds know it appeals arbitration awards as a policy, to make them accept less. How does MCL 500.2026(1)(k) treat this?Answer: As a listed unfair claim practice. Source: MCL 500.2026(1)
An insurer makes claim payments without saying which coverage each payment is under. Which listed practice of MCL 500.2026(1) is this?Answer: Omitting the coverage under which each payment is being made. Source: MCL 500.2026(1)
Apart from the withholding rule of MCL 500.2845, how soon after receipt of proof of the amount of loss is a fire loss payable?Answer: Within 30 days. Source: MCL 500.2833(1)
The appraisers disagree and submit their differences to the umpire. Whose written agreement sets the amount of the loss?Answer: Any 2 of the 3. Source: MCL 500.2833(1)
At what time of day does a fire insurance policy take effect under MCL 500.2833(1)(s)?Answer: 12:01 a.m. standard time at the location of the property. Source: MCL 500.2833(1)
The claimant rejects the insurer's offer and does not later recover more than was offered. What does MCL 500.2006(4) say about interest?Answer: Interest is not due. Source: MCL 500.2006(4)
During which span is the time to sue under a fire policy tolled under MCL 500.2833(1)(q)?Answer: From notice of the loss until the insurer formally denies liability. Source: MCL 500.2833(1)
For a third party tort claimant to receive the 12% interest, who must have determined the insurer's bad faith?Answer: A court of law. Source: MCL 500.2006(4)
For residential property, what is the cap on the amount withheld under MCL 500.2227(1) beginning July 1, 2024, before the yearly price index adjustment?Answer: $24,000. Source: MCL 500.2227(1)
From what date does interest on a late first-party claim run under MCL 500.2006(4)?Answer: 60 days after satisfactory proof of loss was received. Source: MCL 500.2006(4)
How long after the notice of withholding is mailed does the municipality have to say the money should be held to protect public health and safety?Answer: 15 days. Source: MCL 500.2845(1)
How much written notice must an insurer mail before canceling a fire policy under MCL 500.2833(1)(i)?Answer: Not less than 10 days. Source: MCL 500.2833(1)
How soon after receiving a claim must an insurer say in writing what makes a satisfactory proof of loss, unless the claim is settled first?Answer: Not later than 30 days. Source: MCL 500.2006(3)
The insured fails to render proof of loss on a fire policy. How long after notice does the mortgagee have to render it?Answer: 60 days. Source: MCL 500.2833(1)
Insured property is moved to another place to save it from a covered peril. For how long must a fire policy cover it pro rata there?Answer: 5 days. Source: MCL 500.2833(1)
Liability is reasonably clear under one coverage of a policy, and the insurer delays paying it to influence the settlement of another coverage. What does MCL 500.2026(1)(m) call this?Answer: A listed unfair claim practice. Source: MCL 500.2026(1)
The loss is larger than the limits of coverage. On what amount is the 12% interest figured under MCL 500.2006(4)?Answer: The limits of insurance coverage. Source: MCL 500.2006(4)
May the insured abandon damaged property to the insurer under a Michigan fire policy?Answer: No; there can be no abandonment to the insurer. Source: MCL 500.2833(1)
To which local officer does the insurer give notice of the withholding under MCL 500.2845(1)?Answer: The treasurer of the city, village, or township. Source: MCL 500.2845(1)
The two appraisers cannot agree on an umpire. After how long may a party ask a judge to select one?Answer: 15 days. Source: MCL 500.2833(1)
What interest must be paid on a claim that is not paid on a timely basis under MCL 500.2006?Answer: 12%. Source: MCL 500.2006(1)
What is a "complaint" for the record-keeping rule of MCL 500.2026(2)?Answer: A written communication primarily alleging acts that would violate the chapter. Source: MCL 500.2026(2)
What is the least coverage a Michigan fire insurance policy must provide for the property under MCL 500.2833(1)(a)?Answer: Actual cash value at the time of the loss. Source: MCL 500.2833(1)
What turns the claim practices listed in MCL 500.2026(1) into unfair practices?Answer: A course of conduct showing a persistent tendency, not isolated incidents. Source: MCL 500.2026(1)
When a fire policy is canceled, the minimum earned premium is the pro rata premium for the expired time or what sum, whichever is greater?Answer: $25. Source: MCL 500.2833(1)
When is a late-paid claim not an unfair trade practice under MCL 500.2006(1)?Answer: When the claim is reasonably in dispute. Source: MCL 500.2006(1)
Where the withholding rule of MCL 500.2845 applies, what share of a final fire loss settlement on insured real property must the insurer withhold?Answer: 25% of actual cash value or of the settlement, whichever is less. Source: MCL 500.2845(1)
Which cause of loss, besides fire and explosion, brings a real property claim under the withholding rule of MCL 500.2227(1)?Answer: Wind or hail. Source: MCL 500.2227(1)
Which judge may be asked to select the appraisal umpire under MCL 500.2833(1)(m)?Answer: A circuit court judge for the county of the loss or of the property. Source: MCL 500.2833(1)
Which record must a person keep to avoid an unfair practice under MCL 500.2026(2)?Answer: All complaints of its insureds received since the last examination. Source: MCL 500.2026(2)
Who pays the umpire in a fire policy appraisal under MCL 500.2833(1)(m)?Answer: The insured and the insurer, equally. Source: MCL 500.2833(1)
Within what time must an action under a fire policy be commenced under MCL 500.2833(1)(q)?Answer: 1 year after the loss, or the policy's period if longer. Source: MCL 500.2833(1)
No-fault and automobile law 32
A driver is hurt while operating his or her own vehicle with no no-fault security in effect. What does MCL 500.3135(2)(c) say about noneconomic damages?Answer: Damages must not be assessed in that driver's favor. Source: MCL 500.3135(2)
A provider's bill for an allowable expense reaches the insurer more than 90 days after the service. How much extra time does the insurer get before the benefit is overdue?Answer: 60 days. Source: MCL 500.3142(3)
After July 1, 2020, what is the liability limit of MCL 500.3009(1)(a) for bodily injury to or death of one person, before any lower limit the insured may choose under later subsections?Answer: $250,000. Source: MCL 500.3009(1)
An insurer asks for non-OEM aftermarket crash parts in a repair. What must the insured receive before a repair facility may use them?Answer: A written estimate that clearly identifies each non-OEM aftermarket crash part. Source: MCL 257.1363
Are property protection insurance benefits payable for property damage from an accident outside Michigan?Answer: No. Source: MCL 500.3123(2)
At what share of fault is a party barred from noneconomic damages under MCL 500.3135(2)(b)?Answer: More than 50% at fault. Source: MCL 500.3135(2)
Besides death, what does "bodily injury" include under MCL 500.3105(3)?Answer: Damage to or loss of a person's prosthetic devices. Source: MCL 500.3105(3)
Between which two amounts must a policy's funeral and burial expense limit fall under MCL 500.3107(1)(a)?Answer: $1,750 and $5,000. Source: MCL 500.3107(1)
By how much are work loss benefits reduced for the income tax advantage, unless the claimant proves a lower value?Answer: 15%. Source: MCL 500.3107(1)
The coverage level selection of MCL 500.3107c applies to policies issued or renewed after what date?Answer: July 1, 2020. Source: MCL 500.3107c(1)
During what period must the no-fault security be in effect under MCL 500.3101(1)?Answer: While the motor vehicle is driven or moved on a highway. Source: MCL 500.3101(1)
For how long after the accident are work loss benefits payable under MCL 500.3107(1)(b)?Answer: The first 3 years. Source: MCL 500.3107(1)
How are property protection insurance benefits measured under MCL 500.3121(5)?Answer: The lesser of reasonable repair costs or replacement costs less depreciation, plus loss of use. Source: MCL 500.3121(5)
How does fault bear on personal protection insurance benefits under MCL 500.3105(2)?Answer: Benefits are due without regard to fault. Source: MCL 500.3105(2)
How far back from the day an action is commenced may a claimant recover personal protection benefits under MCL 500.3145(2)?Answer: Losses incurred within 1 year before. Source: MCL 500.3145(2)
In what type must the notice about aftermarket crash parts appear on or with the estimate under MCL 257.1363?Answer: 10-point bold type. Source: MCL 257.1363
No written notice of injury was given and the insurer has paid nothing. How long after the accident may an action for personal protection benefits be commenced?Answer: Not later than 1 year. Source: MCL 500.3145(1)
Until what event is the limitation period of MCL 500.3145(2) tolled once a specific claim for payment is made?Answer: The date the insurer formally denies the claim. Source: MCL 500.3145(3)
What does the required warning say happens when a named excluded person operates the vehicle?Answer: All liability coverage is void and no one is insured. Source: MCL 500.3009(2)
What hospital room charge is left out of allowable expenses unless the injured person needs special or intensive care?Answer: The excess over a reasonable and customary semiprivate charge. Source: MCL 500.3107(1)
What interest does an overdue personal protection insurance payment bear under MCL 500.3142(4)?Answer: Simple interest at 12% per annum. Source: MCL 500.3142(4)
What is an "aftermarket crash part" under MCL 257.1362(a)?Answer: A replacement for a nonmechanical sheet metal or plastic exterior part. Source: MCL 257.1362(a)
What is the daily cap on replacement services expenses under MCL 500.3107(1)(c)?Answer: $20 per day. Source: MCL 500.3107(1)
What is the least property damage liability limit under MCL 500.3009(1)(c)?Answer: $10,000. Source: MCL 500.3009(1)
What is the most that property protection insurance pays under one policy for all tangible property damaged in one accident?Answer: $1,000,000. Source: MCL 500.3121(5)
What is the organization that guarantees automobile insurance to a person unable to procure it through ordinary methods?Answer: The Michigan automobile insurance placement facility. Source: MCL 500.3301
When are personal protection insurance benefits overdue under MCL 500.3142(2)?Answer: If not paid within 30 days after reasonable proof of the loss. Source: MCL 500.3142(2)
When is damage to another vehicle covered by property protection insurance under MCL 500.3123(1)(a)?Answer: When it was parked so as not to cause unreasonable risk of the damage. Source: MCL 500.3123(1)
Which injuries leave a person subject to tort liability for noneconomic loss under MCL 500.3135(1)?Answer: Death, serious impairment of body function, or permanent serious disfigurement. Source: MCL 500.3135(1)
Which of these is one of the coverage levels for allowable expenses that MCL 500.3107c(1) lists?Answer: $250,000 per individual per loss occurrence. Source: MCL 500.3107c(1)
Which three kinds of security must the owner of a motor vehicle registered in Michigan maintain under MCL 500.3101(1)?Answer: Personal protection, property protection and residual liability insurance. Source: MCL 500.3101(1)
Who may select the $50,000 coverage level of MCL 500.3107c(1)(a)?Answer: An applicant or named insured enrolled in Medicaid, if the household qualifies. Source: MCL 500.3107c(1)
Workers' disability compensation 20
A private employer has fewer than 3 employees. One of them brings the employer under the act by working how many hours a week for 13 weeks or longer in the preceding 52 weeks?Answer: 35 or more hours. Source: MCL 418.115(b)
After how long from the start of medical care may an injured employee treat with a physician of his or her own choice under MCL 418.315(1)?Answer: 28 days. Source: MCL 418.315(1)
An employee is hurt in an activity whose major purpose is social or recreational. What does MCL 418.301(3) say?Answer: The injury is not covered under the act. Source: MCL 418.301(3)
An employee who had lost a hand loses an eye in a later work injury. Who pays the total and permanent disability compensation under MCL 418.521(1)?Answer: The second injury fund. Source: MCL 418.521(1)
For how long are weekly death benefits paid to wholly dependent persons under MCL 418.321?Answer: 500 weeks from the date of death. Source: MCL 418.321
From what must a mental disability arise to be compensable under MCL 418.301(2)?Answer: Actual events of employment, not unfounded perceptions of them. Source: MCL 418.301(2)
How long does the conclusive presumption of total and permanent disability last under MCL 418.351(1)?Answer: 800 weeks from the date of injury. Source: MCL 418.351(1)
How long must incapacity continue for compensation to be computed from the date of the injury under MCL 418.311?Answer: 2 weeks or longer. Source: MCL 418.311
How many employees at one time bring a private, nonagricultural employer under the act by MCL 418.115(a)?Answer: 3 or more. Source: MCL 418.115(a)
How soon must an employee give the employer notice of an injury under MCL 418.381(1)?Answer: Within 90 days. Source: MCL 418.381(1)
Incapacity lasts more than 1 week but less than 2. On what day after the injury does compensation begin under MCL 418.311?Answer: The eighth day. Source: MCL 418.311
On which day after the employer has notice of a disability does compensation become due and payable under MCL 418.801(1)?Answer: The fourteenth day. Source: MCL 418.801(1)
Weekly benefits are more than 30 days late and there is no ongoing dispute. What is added for each day over 30 under MCL 418.801(2)?Answer: $50 per day. Source: MCL 418.801(2)
What is the only exception to the exclusive remedy of the worker's disability compensation act under MCL 418.131(1)?Answer: An intentional tort. Source: MCL 418.131(1)
What weekly compensation is paid for total incapacity under MCL 418.351(1), up to the maximum weekly rate?Answer: 80% of the after-tax average weekly wage. Source: MCL 418.351(1)
When is an employer deemed to have intended an injury under MCL 418.131(1)?Answer: With actual knowledge an injury was certain to occur, willfully disregarded. Source: MCL 418.131(1)
Which injury is compensable under MCL 418.301(1)?Answer: One arising out of and in the course of employment. Source: MCL 418.301(1)
Which public employers does the act cover under MCL 418.115(c)?Answer: All, whatever the number of persons employed. Source: MCL 418.115(c)
Who decides whether an employer's act was an intentional tort under MCL 418.131(1)?Answer: The court, as a question of law. Source: MCL 418.131(1)
Within what time after the injury must a claim for compensation be made under MCL 418.381(1)?Answer: 2 years. Source: MCL 418.381(1)
How this list was compiled: Michigan Compiled Laws: the Insurance Code of 1956, MCL 500.1200, 500.1222 to 500.1228, 500.1238, 500.1242 and 500.1244 (adjusters), 500.2003 to 500.2069 (trade practices), 500.2227, 500.2833 and 500.2845 (fire policy and withholding), 500.3009 to 500.3301 (automobile and no-fault) and 500.4503 to 500.4511 (insurance fraud); the Aftermarket Crash Parts Act, MCL 257.1362 and 257.1363; and the Worker's Disability Compensation Act of 1969, MCL 418.115 to 418.801, read on October 13, 2026 on the Michigan Legislature's website (https://www.legislature.mi.gov/Laws/ChapterIndex). The topics and the sections asked follow the citations in the content outlines for the Michigan Independent Adjuster examinations, Series 16-71 and 16-72, and the Public Adjuster examination, Series 16-70, which the examination administrator for the Michigan Department of Insurance and Financial Services publishes (https://proctor2.psionline.com/programs/MIINS/Ind%20Adj%20Work%20wo%20Comp%2016-71x.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 Michigan adjuster license study guide is a practice test on the law the adjuster exam outlines cite: 161 of our own questions, each naming its MCL section. Not affiliated with the Michigan Department of Insurance and Financial Services.
Read the full guide
State of Michigan insurance adjusters test study guide: three exams
Michigan gives three adjuster exams: Independent Adjuster without workers' compensation authority (Series 16-71), Independent Adjuster with it (Series 16-72) and Public Adjuster (Series 16-70). The topics here follow the statutes their outlines cite.
What is left out
Insurance basics, policy forms and adjusting practice make up most of each exam and rest on textbooks, so they are not asked. The workers' disability compensation topic is tested only on Series 16-72, and the adjusters for the insured topic follows the Public Adjuster outline.
An adjuster for the insured may charge no more than 10% of what the insurer pays in settlement (MCL 500.1226).
A claim not paid within 60 days after proof of loss bears 12% simple interest (MCL 500.2006).
In a fire policy appraisal each side names an appraiser within 20 days, and any 2 of the 3 set the loss (MCL 500.2833).
Questions and answers
How many questions are on the Michigan adjuster exam?
100 items with a 2-hour limit, by the content outlines. The cut score is 70 percent for both Independent Adjuster exams and 71 percent for Public Adjuster. The candidate bulletin adds that one to ten unscored experimental items may be given.
Who needs an adjuster license in Michigan?
Anyone who adjusts loss or damage under a policy, or holds out to the public as an adjuster (MCL 500.1222). Attorneys, marine average adjusters, an insurer's own employees and producers given claim authority by an insurer are exempt.
Does Michigan require a course before the adjuster exam?
No. The candidate bulletin lists the Public Adjuster and both Independent Adjuster exams among those that do not require pre-licensing education. It adds that passing results are valid for 12 months from the pass date.
Is this Michigan adjuster license study guide free?
Yes. All 161 questions are open, and your answers stay in your browser. The questions were written for this page from the Michigan Compiled Laws; none comes from the exam, and the Department of Insurance and Financial Services did not write or review them.