A body shop gives a free estimate for repairs it will perform and is later paid for the repairs under the claim. Does it need an adjuster license?ORS 744.515(2)(j)
A business entity applicant lists each person that owns more than what share of any class of its equity security?ORS 744.518(2)(a)
A nonresident adjuster changes residence to another state. Within how many days must the adjuster notify the director?ORS 744.538(3)
A nonresident adjuster establishes residence in Oregon. After how many days may the adjuster no longer transact business under the nonresident license?ORS 744.538(2)
A nonresident adjuster no longer holds a valid license in the state where the adjuster was licensed. What follows in Oregon?ORS 744.538(1)
A person adjusts one loss before obtaining the license. Within how many days after beginning the adjustment must the person apply for the license?ORS 744.515(2)(b)
A person deployed to a declared catastrophe is exempt if a temporary permit is obtained within how many days after the deployment?ORS 744.515(2)(c)
A person who lives in a province of Canada and is licensed there as an adjuster applies in Oregon. When may the director issue a nonresident license?ORS 744.528(1)
Show all 86 questions (78 more)
Adjuster license, continued
A renewed Oregon adjuster license expires how long after the renewal date, unless the director specifies a different date?ORS 744.521(5)(b)
An adjuster adjusts a loss under a policy issued by an unauthorized insurer that is not a surplus line insurer. Within how many days must the adjuster notify the director?ORS 744.541
Besides property and casualty, which class of insurance does ORS 744.531 name for an adjuster license?ORS 744.531(2)
For how many days is a temporary adjuster permit effective, unless the director finds more time is necessary?ORS 744.555(1)(a)
How many of the continuing education hours for renewal must consist of instruction in ethics?ORS 744.521(2)(a)(B)
The license application lists the names of the applicant's employers for how many previous years?ORS 744.518(1)(a)
ORS 744.515 names people who may adjust losses without the adjuster license. Which of these is one of them?ORS 744.515(2)(a)
ORS 744.521 sets the course hours an individual shows at renewal of the adjuster license. What is the minimum?ORS 744.521(2)(a)(B)
ORS 744.525 puts one step ahead of the resident application itself. What must the individual already have set up?ORS 744.525(1)(a)
ORS 744.525 sets an age floor for an individual who becomes a licensee. What is it?ORS 744.525(1)(d)
The property and casualty class in ORS 744.531 reaches further kinds of insurance. Which?ORS 744.531(1)
Through whom must a licensed business entity act for each class of insurance in which it engages?ORS 744.523(1)
To whom may the director issue a temporary permit after a catastrophe with widespread property loss in this state?ORS 744.555(1)(a)
What fee does a former licensee pay to renew a license that has expired?ORS 744.521(2)(b)(C)
What is a "designated home state" for a nonresident applicant?ORS 744.502(4)
What must a business entity establish to be licensed as a resident adjuster?ORS 744.525(2)(a)
When does a newly issued adjuster license expire, unless the director specifies a different date?ORS 744.521(5)(a)
When may an applicant leave fingerprints out of the Oregon adjuster application?ORS 744.518(1)(e)
Which losses does an "adjuster" investigate, negotiate or settle for compensation, in ORS 744.502?ORS 744.502(1)
Which professional is exempt from the adjuster license while performing the duties of that profession?ORS 744.515(2)(k)
Who declares the event that is a "catastrophe" under ORS 744.502?ORS 744.502(3)
Who is a "resident" under ORS 744.502?ORS 744.502(8)
Within how long after the expiration date may the director renew a license that has expired?ORS 744.521(2)(b)
Records, notices and discipline 17
A claim is settled and the file is closed. For how many years after that must the adjuster keep the records of the transaction under ORS 744.578?ORS 744.578(2)
At least how many days before a cease and desist hearing must the director give written notice of the hearing date?ORS 731.252(1)
By what date each year must a business entity licensee report changes in its directors, members or officers during the previous calendar year?ORS 744.581(2)
The director mails an order telling a person to discontinue a violation of the Insurance Code. How long does the person have to ask for a hearing before the order becomes final?ORS 731.252(1)
How must a licensee answer a proper inquiry from the director under ORS 731.296?ORS 731.296
In a discipline case based on a criminal conviction, what is the record of the conviction under ORS 744.584?ORS 744.584(1)(d)
In addition to the per-offense penalty, what further civil penalty may the director require under ORS 731.988(2)?ORS 731.988(2)
In lieu of suspension or revocation, what may the director set for a violation of ORS 744.584(1)?ORS 744.584(4)(a)
May a resident licensee's principal place of business be the licensee's residence?ORS 744.578(1)(a)
No specific penalty is written for a given breach of the Insurance Code. Which crime class does ORS 731.992 then assign?ORS 731.992(4)
ORS 731.988 sets a lower ceiling when the offender is an individual adjuster. What is that ceiling for each offense?ORS 731.988(1)
ORS 744.584(1) sets out conduct that is barred to an adjuster. Which item below is in it?ORS 744.584(1)(h)
What must the director offer a licensee before taking disciplinary action under ORS 744.584?ORS 744.584(2)(b)
When must a licensee make the usual and customary business records available to the director for inspection?ORS 744.578(2)
Which event must a licensee report to the director under ORS 744.581?ORS 744.581(1)(a)(D)
Which failure, unrelated to adjusting a claim, is prohibited conduct for a licensee under ORS 744.584?ORS 744.584(1)(n)
Within how many days must a licensee notify the director after it begins using an assumed business name?ORS 744.581(1)(a)
Claim settlement law 18
A computerized database used to value a total loss must produce values for at least what share of all makes and models of private passenger automobiles for the last 15 model years?OAR 836-080-0240(3)(a)(A)
After a claim has been paid, what must an insurer tell an insured or beneficiary who asks?ORS 746.230(1)(j)
An insurer denies a claim because the claimant did not exhibit the relevant property. What does OAR 836-080-0220 require the insurer to have?OAR 836-080-0220(3)
An insurer is still negotiating with a third party claimant who has no attorney, and a statute of limitations is close. How much warning in writing does OAR 836-080-0235 require?OAR 836-080-0235(6)
An insurer offers substantially less than claimants later recover in court, so that they must sue. How does ORS 746.230 treat this?ORS 746.230(1)(g)
For an automobile total loss, when is a replacement automobile "at least comparable" as to model year?OAR 836-080-0240(2)
In what form must a claim denial be, under OAR 836-080-0235?OAR 836-080-0235(1)
Not later than which day after receipt of an inquiry from the Director about a claim must an insurer furnish an adequate response?OAR 836-080-0225(2)
Not later than which day after receipt of notification of a claim must an insurer acknowledge the notification or pay the claim?OAR 836-080-0225(1)
OAR 836-080-0220 limits the release an insurer may put in front of a first party claimant. Where is the limit?OAR 836-080-0220(5)
OAR 836-080-0230 sets a deadline for finishing a claim investigation where that can reasonably be done. How long after notification is it?OAR 836-080-0230
Properly executed proofs of loss arrive from a first party claimant. OAR 836-080-0235 then starts a clock for accepting or denying the claim. How long does it run?OAR 836-080-0235(1)
What may a check issued in partial settlement of a claim under a specific coverage not contain?OAR 836-080-0220(6)
What must an insurer's claim files allow a reader to do, under OAR 836-080-0215?OAR 836-080-0215
When an insurer makes a cash settlement of an automobile total loss, what must it furnish the insured?OAR 836-080-0240(3)
Which of these four insurer habits is on the list in ORS 746.230(1)?ORS 746.230(1)(d)
While a first party claim investigation remains incomplete, the insurer notifies the claimant in writing of the reason more time is needed every how many days?OAR 836-080-0235(4)
Who is a "first party claimant" in OAR 836-080-0210?OAR 836-080-0210(3)
Oregon policy and automobile law 20
A fire loss begins on a known date. How long does the suit clause required by ORS 742.240 then leave for starting an action on the policy?ORS 742.240
A wage earner is disabled for three weeks after a crash. What fraction of the lost income does ORS 742.524 have personal injury protection pay?ORS 742.524(1)(b)
An insured accepts the insurer's recommendation of a repair shop. Within how many business days must the insurer provide the statutory statement?ORS 746.280(4)
An insurer cancels a commercial liability policy in midterm. How long after the insured gets the written notice must pass before it takes effect?ORS 742.702(2)
An insurer decides not to renew a homeowner policy. How far ahead of the end of the policy period must its notice go out under ORS 746.687?ORS 746.687(4)
An insurer violates ORS 746.280. For each violation the insured may recover actual damages or what amount, whichever is greater?ORS 746.300
For which reason may an insurer cancel a homeowner insurance policy before it expires, once it has been in effect 60 days?ORS 746.687(1)
May an insurer require that a particular person repair the insured's motor vehicle as a condition for recovery under a motor vehicle liability policy?ORS 746.280(1)
No named insured has elected lower limits in writing. Under ORS 742.502, how large must the uninsured motorist limits be?ORS 742.502(2)(a)
ORS 734.570 has two dollar ceilings by date of insolvency. Which applies to a covered claim against an insurer that failed in 2026, outside workers' compensation?ORS 734.570(1)(b)
ORS 734.570 lifts its dollar ceiling for one kind of covered claim. Which kind?ORS 734.570(1)(c)
ORS 742.524 caps the medical, hospital and similar expenses that personal injury protection pays for one person. What is the cap?ORS 742.524(1)(a)
ORS 742.562 allows a short list of grounds for cancelling an automobile policy in midterm. Which of these is on it?ORS 742.562(1)(c)
ORS 746.287 lets an insurer insist on an aftermarket crash part against the wishes of the owner in one case only. Which?ORS 746.287(1)
ORS 746.686 stops an insurer from weighing old claims against a homeowner applicant. How old must the date of loss be?ORS 746.686(1)(a)
Premium on a fire policy goes unpaid. How short may the written notice of cancellation from the insurer be under ORS 742.224?ORS 742.224(2)(a)
To use a representation by the insured in defense of a claim under a fire policy, what must the insurer show?ORS 742.208(3)
What an applicant wrote in an insurance application turns out to be wrong. What does ORS 742.013 deem such statements to be?ORS 742.013(1)
What does the fire policy provision of ORS 742.208 say follows if the insured has willfully concealed a material fact about the insurance?ORS 742.208(1)
What must an adjuster who is establishing loss under a motor vehicle liability policy advise the insured of?ORS 746.290(1)
This unofficial Oregon property adjusters practice test asks the Oregon law lines of the Adjuster's Examination for General Lines Insurance, Series 12-07: 86 of our own questions, each naming its section. Not affiliated with the Oregon Division of Financial Regulation.
Read the full guide
Property adjusters sit the General Lines exam
Oregon has no property-only adjuster exam. ORS 744.531 puts property and casualty in one class, with marine and transportation and surety, and the exam for that class is General Lines, Series 12-07. Health and crop adjusters sit their own exams.
Newer law than the outline
The outline cites ORS 744.002 to 744.028 for renewal, expiration and notices. Those sections were repealed in 2019. The questions ask their replacements, ORS 744.518 to 744.584, and the claim rules of OAR 836-080-0205 to 836-080-0240. Policy forms are not asked.
Acknowledge a claim by day 30, finish investigating by day 45, accept or deny by day 30 after proofs of loss (OAR 836-080-0225 to 0235).
An adjuster keeps the records of each transaction for three years after it concludes (ORS 744.578).
An insurer may not require a particular shop for motor vehicle repairs (ORS 746.280).
Questions and answers
How many questions are on the Oregon adjuster exam?
The General Lines adjuster exam, Series 12-07, has 150 questions and a 2.5-hour time limit, and the candidate information bulletin sets the pass mark at 70 percent correct. The timed test on this page is half that length at the same pace.
How many hours of continuing education does an Oregon adjuster need?
A minimum of 24 hours for each renewal, with three hours of ethics and three hours of Oregon law or of subjects the licensee's home state requires (ORS 744.521).
Is this Oregon adjuster practice test free?
Yes. All 86 questions are open, and your answers stay in your browser. The questions were written for this page from the statutes and rules; none comes from the exam, and the Oregon Division of Financial Regulation did not write or review them.