A licensed insurance producer helps adjust losses under policies issued by the producer's insurer. Is the producer an adjuster under Montana law?Mont. Code Ann. 33-17-102(1)
A Montana public adjuster owns part of the construction firm that will repair the insured's house. What does the law require?Mont. Code Ann. 33-17-302(4)
A previously licensed adjuster applies for a Montana nonresident license after the earlier license was canceled. The exemption from the examination holds if the application arrives within how long of the cancellation?Mont. Code Ann. 33-17-301(4)
An insurer pays a Montana claim in several payments. How may the public adjuster's percentage fee be collected?Mont. Code Ann. 33-17-302(2)
An insurer sends an out-of-state adjuster into Montana to adjust a series of losses from one catastrophe. What license does that adjuster need?Mont. Code Ann. 33-17-301(5)
Besides passing the licensing examination, which check must an individual applicant for a Montana adjuster license submit to?Mont. Code Ann. 33-17-301(2)
How often must a Montana adjuster renew the license to keep it from lapsing?Mont. Code Ann. 33-17-301(6)
How old must an individual be to hold a Montana adjuster license?Mont. Code Ann. 33-17-301(2)
Show all 77 questions (69 more)
Adjuster and public adjuster licensing, continued
In Montana's definition of an adjuster, on whose behalf does the adjuster investigate and negotiate claims?Mont. Code Ann. 33-17-102(1)
May a Montana adjuster keep the required public office in the adjuster's own home?Mont. Code Ann. 33-17-301(2)
May a Montana public adjuster contract require the insurer's payment to be issued only in the public adjuster's name?Mont. Code Ann. 33-17-302(2)
May a Montana public adjuster let an unlicensed employee do work for which a license is required?Mont. Code Ann. 33-17-303(3)
What does a Montana adjuster license authorize a person to act as?Mont. Code Ann. 33-17-102(2)
What does a Montana public adjuster need before taking an interest in the salvage of property covered by the contract with the insured?Mont. Code Ann. 33-17-303(4)
When is a Montana public adjuster barred from soliciting an insured?Mont. Code Ann. 33-17-303(2)
When may a business entity hold a Montana adjuster license?Mont. Code Ann. 33-17-301(3)
Which of these must a Montana public adjuster contract contain?Mont. Code Ann. 33-17-302(1)
Which of these people is left out of the Montana definition of an adjuster?Mont. Code Ann. 33-17-102(1)
Which term may a Montana public adjuster contract not contain?Mont. Code Ann. 33-17-302(2)
With whom must a Montana public adjuster's written contracts be filed?Mont. Code Ann. 33-17-302(1)
Claim settlement practices 18
A Montana insurer believes a claim is fraudulent. What must it also have done for the outside time to pay or deny the claim not to apply?Mont. Code Ann. 33-18-232(1)
A Montana insurer escapes the fine for slow payment by showing it paid 90% of the dollar amount of claims to each claimant within how long?Mont. Code Ann. 33-18-233(2)
A Montana insurer makes claimants file a preliminary claim report and then a formal proof of loss that repeats the same information. How does MCA 33-18-201 treat this?Mont. Code Ann. 33-18-201(12)
A Montana insurer misses the time for paying a claim it owes. What annual interest does it pay on the amount due?Mont. Code Ann. 33-18-232(2)
A Montana policyholder asks for a list of the claims charged against the policy. What must the insurer do?Mont. Code Ann. 33-18-201(15)
After the underlying claim is settled or judgment is entered, how long does a third-party claimant have to sue the insurer under MCA 33-18-242?Mont. Code Ann. 33-18-242(8)
For the commissioner's purposes, when do the acts listed in MCA 33-18-201 become unfair claim settlement practices?Mont. Code Ann. 33-18-201
How long does an insured have to bring an action against an insurer under MCA 33-18-242?Mont. Code Ann. 33-18-242(8)
Interest on a late Montana claim payment is payable only if the interest due is more than what amount?Mont. Code Ann. 33-18-232(2)
Liability is reasonably clear under one coverage of a Montana policy. May the insurer hold that payment back to influence settlement under another coverage?Mont. Code Ann. 33-18-201(13)
May a private lawsuit under MCA 33-18-242 rest on an insurer's missing the payment times of MCA 33-18-232?Mont. Code Ann. 33-18-232(3)
What defense does MCA 33-18-242 give a Montana insurer?Mont. Code Ann. 33-18-242(6)
What must a Montana insurer promptly give when it denies a claim or offers a compromise settlement?Mont. Code Ann. 33-18-201(14)
What must accompany a claim payment to an insured or beneficiary in Montana?Mont. Code Ann. 33-18-201(10)
When may a third-party claimant first file an action against an insurer under MCA 33-18-242?Mont. Code Ann. 33-18-242(7)
Which action may a Montana insured not bring over the handling of an insurance claim?Mont. Code Ann. 33-18-242(3)
Which of these is not an unfair claim settlement practice under Montana law?Mont. Code Ann. 33-18-232(1)
Which practice is on the list in MCA 33-18-201?Mont. Code Ann. 33-18-201(11)
Discipline, penalties and the commissioner 21
A business entity's Montana license is revoked. When may one of its officers be licensed during that period?Mont. Code Ann. 33-17-1002(4)
A Montana license lapses. Within what time of the lapse may the commissioner reissue it to a licensee who pays the reinstatement fee and certifies continuing education?Mont. Code Ann. 33-17-1002(2)
A person sends the Montana commissioner a written demand for a hearing. The demand is considered refused if no order granting it issues within how long?Mont. Code Ann. 33-1-701(2)
A person's Montana insurance license has been revoked twice. When may that person be licensed again?Mont. Code Ann. 33-17-1002(3)
After a hearing, what is the most the Montana commissioner may fine an insurer for a violation of the insurance code under MCA 33-1-317?Mont. Code Ann. 33-1-317
After a Montana license is revoked, what is the shortest wait before the commissioner may issue that person a license again?Mont. Code Ann. 33-17-1002(3)
After the Montana commissioner receives a request for a hearing on a temporary cease and desist order, how soon must the hearing be held unless the parties agree to more time?Mont. Code Ann. 33-1-318(1)
An adjuster under investigation in Montana surrenders the license. Can the commissioner still impose a penalty?Mont. Code Ann. 33-17-1001(3)
As a general rule, where is an appeal of the Montana commissioner's order filed?Mont. Code Ann. 33-1-711(1)
Each day of violating a Montana desist order is a separate violation. What is the ceiling on the total penalty?Mont. Code Ann. 33-18-1005(1)
For how long after a revocation may the Montana commissioner refuse to issue the person a license?Mont. Code Ann. 33-17-1002(3)
How are the Montana commissioner's subpoenas of witnesses served?Mont. Code Ann. 33-1-315(1)
How often may the Montana commissioner examine an adjuster's accounts and records?Mont. Code Ann. 33-1-402
The Montana commissioner issues a temporary cease and desist order. How long does the respondent have to ask in writing for a hearing?Mont. Code Ann. 33-1-318(1)
Under which law are the Montana commissioner's hearings conducted?Mont. Code Ann. 33-1-701(3)
What follows if a person does not pay a fine imposed under MCA 33-1-318?Mont. Code Ann. 33-1-318(3)
What is the civil penalty for one violation of a Montana desist order issued under the trade practices chapter?Mont. Code Ann. 33-18-1005(1)
When is the Montana commissioner's notice of a license suspension or revocation effective?Mont. Code Ann. 33-17-1002(1)
Which failure outside the insurance business is a ground for action against a Montana adjuster's license?Mont. Code Ann. 33-17-1001(1)
Which of these is a listed ground for the Montana commissioner to revoke a license?Mont. Code Ann. 33-17-1001(1)
Who bears the cost of the additional examinations and investigations the Montana commissioner conducts under the general powers of MCA 33-1-311?Mont. Code Ann. 33-1-311(4)
Fraud reporting and privacy 12
A Montana applicant asks in writing for the reasons for an adverse underwriting decision. How soon must the insurer furnish them?Mont. Code Ann. 33-19-303(2)
A Montana independent adjuster reports a suspected fraud to the commissioner. When is the adjuster free of civil liability for the report?Mont. Code Ann. 33-1-1210(1)
A Montana insurer reviews a producer's fraud report and finds a reasonable likelihood of fraud. How soon must it forward the report to the commissioner?Mont. Code Ann. 33-1-1205(2)
A written request for the reasons behind an adverse underwriting decision in Montana must be received within how long of the mailing of notice of the decision?Mont. Code Ann. 33-19-303(2)
An individual sends a Montana insurer a written request to see the recorded personal information it holds about them. How long does the insurer have to respond?Mont. Code Ann. 33-19-301(1)
As a general rule, what lets a Montana licensee disclose personal information collected in an insurance transaction?Mont. Code Ann. 33-19-306(2)
Besides a fine, what must the Montana commissioner require of a person who commits administrative or civil insurance fraud?Mont. Code Ann. 33-1-1211(2)
On an access request, a Montana insurer names the persons to whom it disclosed the individual's personal information within what period before the request?Mont. Code Ann. 33-19-301(1)
What does an insurer's fraud notice to the Montana commissioner do to the claim-payment times of MCA 33-18-232?Mont. Code Ann. 33-1-1205(3)
What is the highest fine for knowingly and willfully obtaining information about an individual from a Montana insurer under false pretenses?Mont. Code Ann. 33-19-409
Which act is administrative or civil insurance fraud under MCA 33-1-1202?Mont. Code Ann. 33-1-1202(4)
Who may be rewarded from the fraud reward fund that Montana's commissioner may set up?Mont. Code Ann. 33-1-1206(2)
Policies, premium finance and guaranty 6
A Montana insurer charges an inspection fee in consideration for an insurance contract. How does MCA 33-15-102 treat the fee?Mont. Code Ann. 33-15-102(2)
A premium finance company holds a power of attorney to cancel a Montana policy on default. How far ahead must it mail the insured notice of its intent to cancel?Mont. Code Ann. 33-14-304(2)
From what age may a minor contract for insurance on the minor's own property or liabilities in Montana?Mont. Code Ann. 33-15-103(2)
What is the most a Montana premium finance agreement may charge as a delinquency charge on one installment in default?Mont. Code Ann. 33-14-303(1)
What is the most the Montana insurance guaranty association may assess a member insurer in one year, as a share of that insurer's net direct written premiums?Mont. Code Ann. 33-10-116(2)
Which amount is left out of a 'covered claim' of the Montana insurance guaranty association?Mont. Code Ann. 33-10-102(2)
How this list was compiled: Own questions, written from the Montana Code Annotated 2025 as published by the Montana Legislature (https://mca.legmt.gov/bills/mca/index.html), read on October 15, 2026: Title 33, chapter 1 (parts 3, 4, 7 and 12), chapter 10, chapter 14 part 3, chapter 15 part 1, chapter 17 (parts 1, 3 and 10), chapter 18 (parts 2 and 10) and chapter 19. The topics follow part VI, Montana Statutes and Rules Pertinent to All Adjusters, of the Montana Adjuster content outline (88 scoreable questions) in the Montana Insurance Content Outlines effective March 2, 2026, which print the MCA references beside each topic; the outlines and the Candidate Handbook (June 2025) are on the examination page that the Commissioner of Securities and Insurance links from https://csimt.gov/insurance/licensing/ (the outlines: https://www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/122703.pdf; the handbook: https://www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/122700.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 Montana adjuster license practice test asks the Montana statutes part of the adjuster exam: 77 of our own questions from the Montana Code Annotated, each naming its section. Not affiliated with the Montana Commissioner of Securities and Insurance.
Read the full guide
What the exam covers
Of the exam's 88 scoreable questions, Montana statutes and rules carry 24: 8 for all adjusters, 8 on property insurance and 8 on casualty insurance.
What this page asks
The part for all adjusters: the commissioner, adjuster licensing (MCA 33-17-301 to 33-17-303), suspension and revocation, unfair claim practices (33-18-201, 33-18-232), the Insurance Fraud Protection Act and the privacy act. The property and casualty statutes are asked on the Montana property and casualty page.
A public adjuster files each written contract with the commissioner and takes the fee as a percentage of each payment (MCA 33-17-302).
An insured has 2 years to sue under MCA 33-18-242; a third-party claimant has 1 year from settlement or judgment.
A license revoked twice is never issued again (MCA 33-17-1002).
Questions and answers
How many questions are on the Montana adjuster exam?
88 scoreable questions, by the Montana Adjuster content outline effective March 2, 2026. The candidate handbook of June 2025 allots 1 hour 45 minutes for the Multi-Line Adjuster exam.
What score passes the Montana adjuster exam?
The candidate handbook gives a passing score of 75, reported as a scaled score that is neither the number nor the percentage of questions answered correctly.
Is this Montana adjuster license practice test free?
Yes. All 77 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 Montana Commissioner of Securities and Insurance did not write or review them.
Who needs an adjuster license in Montana?
Under MCA 33-17-301, nobody may act as or purport to be an adjuster without an adjuster license. The definition in 33-17-102 leaves out a salaried employee of an insurer, a licensed attorney and a licensed producer who adjusts the insurer's own policies.