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Georgia Adjuster Practice Test

Georgia Insurance Adjuster Practice Test

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Questions updated at Aug 24, 2026, 11:40 AM CDT

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Today's 10 Georgia Insurance Adjuster questions

Use this Georgia Insurance Adjuster practice test to review Georgia Insurance Adjuster. Questions rotate daily and each answer links back to the source used to write it.

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200 verified questions are in the live bank. Free daily questions are selected from a rotating sample set. Unlock Pro to access the full question bank.

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Question 1 of 10
Objective Unfair claims practices Georgia laws, rules, and regulations pertinent to all adjusters (5%)

An adjuster knows that additional investigation is reasonably necessary but proposes denying the claim immediately because the insured has been difficult to reach. Which response best reflects Georgia's claims-practice framework?

Concept tested:
Source:Georgia Code § 33-6-34 — Unfair Claims Settlement Practices
Question 2 of 10
Objective Concealment or misrepresentation of material claim facts Property and casualty policy contract provisions (15%)

During a theft claim, the insured intentionally withholds records that materially affect proof of ownership and the amount claimed. The property form voids coverage for intentional concealment or misrepresentation of a material fact concerning the claim. What should the adjuster determine?

Concept tested:
Question 3 of 10
Objective Ocean marine — trading limits General property insurance product knowledge pertinent to adjusters (48%)

A marine hull claim follows a collision near the edge of the vessel’s permitted trading area. Repair estimates are complete, but the vessel log and position records must still be reconciled to determine the loss location. What should the adjuster resolve before applying the hull valuation provisions?

Concept tested:
Question 4 of 10
Objective Negligence versus coverage Property and casualty insurance terms and related concepts (23%)

A driver was careless and caused a collision. The insured has collision coverage for the insured auto and liability coverage for injury to others, with no exclusion for ordinary negligence. Which statement is most accurate?

Concept tested:
Question 5 of 10
Objective Standard Fire Policy — inventory General property insurance product knowledge pertinent to adjusters (48%)

After a covered warehouse fire, the insured submits a lump-sum contents figure but no itemized inventory even though the policy requires an inventory showing quantity, description, and value. What is the adjuster's best next step?

Concept tested:
Question 6 of 10
Objective Repair estimate valuation Responsibilities and duties of an adjuster report (9%)

A Georgia first-party private-passenger auto claim is settled from the insurer's written estimate. The insured obtains a higher written estimate showing necessary repairs. What should the report reflect?

Concept tested:
Question 7 of 10
Objective Peril Property and casualty insurance terms and related concepts (23%)

A covered building is damaged when lightning ignites a roof fire. The adjuster is classifying the terms used in the file. Which fact is the peril?

Concept tested:
Question 8 of 10
Objective Continuing education Georgia laws, rules, and regulations pertinent to all adjusters (5%)

A Georgia resident adjuster has held a qualifying license for 12 years and is renewing in 2026. No special waiver applies. What CE requirement should the adjuster plan to satisfy?

Concept tested:
Question 9 of 10
Objective Complete loss report Responsibilities and duties of an adjuster report (9%)

An adjuster has coverage information and an estimate but has not documented witnesses, mitigation, outstanding invoices, or a potential subrogation target. What is the best next step before making a final recommendation?

Concept tested:
Question 10 of 10
Objective Written denial — auto first party Property and casualty policy contract provisions (15%)

A Georgia first-party private-passenger auto property claim is denied because the insurer relies on a policy exclusion. What documentation is required by Rule 120-2-52?

Concept tested:
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The free daily Georgia Insurance Adjuster set includes crawlable question text, answer choices, correct answer labels, objective mapping, and source links. Only the first SEO card includes answer explanations and any extra learning features. Pro-only bank questions stay locked; this section mirrors only the 10 free daily questions already shown on this page.

Question 1 An adjuster knows that additional investigation is reasonably necessary but proposes denying the claim immediately because the insured has been difficult to reach. Which response best reflects Georgia's claims-practice framework?

Answer choices

  1. A. Complete the necessary investigation and base the decision on the policy and documented facts.
  2. B. Deny immediately, given that lack of easy communication makes any claim presumptively fraudulent.
  3. C. Offer a nominal settlement to close the file without reaching a supported coverage position.
  4. D. Misstate an exclusion to encourage the insured to abandon the claim.

Correct answer

Complete the necessary investigation and base the decision on the policy and documented facts.

O. C. G. A. § 33-6-34 identifies refusing to pay claims without conducting a reasonable investigation as an unfair claims settlement practice and also requires prompt investigation/settlement procedures and good-faith settlement when liability becomes reasonably clear.

Wrong-answer review

  • B. Deny immediately, given that lack of easy communication makes any claim presumptively fraudulent.: Difficulty reaching the insured does not create a presumption of fraud and does not excuse the reasonable investigation Georgia law requires before refusing payment.
  • C. Offer a nominal settlement to close the file without reaching a supported coverage position.: A token settlement offered only to close the file is not a substitute for a supported coverage decision or a good-faith settlement position.
  • D. Misstate an exclusion to encourage the insured to abandon the claim.: Misstating an exclusion is deceptive claim handling; the insurer must base any denial on the actual policy and investigated facts.

Extra learning features

Why candidates miss this

The distractor “Deny immediately, given that lack of easy communication makes any claim presumptively fraudulent.” is tempting because communication difficulty may justify continued documented attempts, but it does not make a claim presumptively fraudulent or excuse a reasonable investigation. Georgia's unfair-claims framework prohibits refusing to pay without conducting a reasonable investigation based on available information. The adjuster should continue the investigation and document cooperation issues rather than deny reflexively. Decisive clue: Reasonable investigation precedes a defensible coverage decision. Likely wrong answer: Deny immediately, given that lack of easy communication makes any claim presumptively fraudulent. Review focus: Georgia Code § 33-6-34 — Unfair Claims Settlement Practices

Why this matters

Georgia's unfair-claims framework requires a reasonable investigation before a claim is refused on the merits. Documenting outreach problems while continuing the investigation protects a defensible claim decision; treating a hard-to-reach insured as presumptively fraudulent can create regulatory and litigation exposure.

Objective/domain: Georgia laws, rules, and regulations pertinent to all adjusters (5%)

Source: Georgia Code § 33-6-34 — Unfair Claims Settlement Practices

Question 2 During a theft claim, the insured intentionally withholds records that materially affect proof of ownership and the amount claimed. The property form voids coverage for intentional concealment or misrepresentation of a material fact concerning the claim. What should the adjuster determine?

Answer choices

  1. A. Any missing record voids coverage even if the omission was accidental or immaterial.
  2. B. Whether the withholding was intentional and material to the claim before applying the concealment/fraud condition.
  3. C. Concealment is irrelevant once theft is a covered peril.
  4. D. The adjuster may invent an ownership value so the concealment issue no longer matters.

Correct answer

Whether the withholding was intentional and material to the claim before applying the concealment/fraud condition.

Objective/domain: Property and casualty policy contract provisions (15%)

Source: The Hartford — Multinational Property Conditions and Definitions

Question 3 A marine hull claim follows a collision near the edge of the vessel’s permitted trading area. Repair estimates are complete, but the vessel log and position records must still be reconciled to determine the loss location. What should the adjuster resolve before applying the hull valuation provisions?

Answer choices

  1. A. Finalize repair cost and deductible first because trading limits affect navigation but not coverage.
  2. B. Determine whether the vessel was operating within the policy’s specified trading limits when the collision occurred.
  3. C. Apply cargo valuation provisions because hull coverage depends on cargo being aboard at the time of collision.
  4. D. Apply the protection-and-indemnity limit first because a collision is treated only as a liability event.

Correct answer

Determine whether the vessel was operating within the policy’s specified trading limits when the collision occurred.

Objective/domain: General property insurance product knowledge pertinent to adjusters (48%)

Source: Chubb — Marine Hull: Hull & Machinery Product Disclosure Sheet

Question 4 A driver was careless and caused a collision. The insured has collision coverage for the insured auto and liability coverage for injury to others, with no exclusion for ordinary negligence. Which statement is most accurate?

Answer choices

  1. A. Negligence does not itself eliminate purchased collision coverage.
  2. B. Liability coverage pays only for damage to the insured's own vehicle.
  3. C. Any negligence voids every first-party coverage on the policy.
  4. D. Collision coverage exists only when another driver is entirely at fault.

Correct answer

Negligence does not itself eliminate purchased collision coverage.

Objective/domain: Property and casualty insurance terms and related concepts (23%)

Source: NAIC Consumer Auto Insurance

Question 5 After a covered warehouse fire, the insured submits a lump-sum contents figure but no itemized inventory even though the policy requires an inventory showing quantity, description, and value. What is the adjuster's best next step?

Answer choices

  1. A. Deny building damage because the contents inventory is incomplete.
  2. B. Replace the contents limit with the insured's estimate of market value.
  3. C. Obtain the itemized inventory and supporting records needed to evaluate the contents loss.
  4. D. Pay the lump-sum figure given that a covered fire eliminates the need to substantiate amount.

Correct answer

Obtain the itemized inventory and supporting records needed to evaluate the contents loss.

Objective/domain: General property insurance product knowledge pertinent to adjusters (48%)

Source: Georgia Rules — Subject 120-2-19 Property Insurance Regulations

Question 6 A Georgia first-party private-passenger auto claim is settled from the insurer's written estimate. The insured obtains a higher written estimate showing necessary repairs. What should the report reflect?

Answer choices

  1. A. Document both estimates and the insurer's required review and response.
  2. B. Pay the higher estimate without reviewing whether the additional work is necessary.
  3. C. Ignore the higher estimate unless the insured first files suit.
  4. D. Treat the insurer's first estimate as final because it was prepared before the insured's estimate.

Correct answer

Document both estimates and the insurer's required review and response.

Objective/domain: Responsibilities and duties of an adjuster report (9%)

Source: Georgia Rules — Subject 120-2-52 Fair and Equitable Settlement of First Party Property Damage Claims

Question 7 A covered building is damaged when lightning ignites a roof fire. The adjuster is classifying the terms used in the file. Which fact is the peril?

Answer choices

  1. A. The old roof covering that made the damage more severe.
  2. B. The uncertainty that a lightning loss might occur during the policy term.
  3. C. The dollar amount required to repair the damaged roof.
  4. D. The lightning/fire event that produced the physical damage.

Correct answer

The lightning/fire event that produced the physical damage.

Objective/domain: Property and casualty insurance terms and related concepts (23%)

Source: NAIC Glossary of Insurance Terms

Question 8 A Georgia resident adjuster has held a qualifying license for 12 years and is renewing in 2026. No special waiver applies. What CE requirement should the adjuster plan to satisfy?

Answer choices

  1. A. Complete 20 hours with no ethics because all adjusters receive the 2026 reduction.
  2. B. Complete 24 hours of biennial CE, including 3 hours of ethics, by the applicable renewal deadline.
  3. C. No CE is required once the adjuster has more than 10 years of service.
  4. D. Complete 12 hours annually, including 6 hours of ethics.

Correct answer

Complete 24 hours of biennial CE, including 3 hours of ethics, by the applicable renewal deadline.

Objective/domain: Georgia laws, rules, and regulations pertinent to all adjusters (5%)

Source: Georgia Rules — Subject 120-2-3 Licensing of Agents, Adjusters and Related Licensees

Question 9 An adjuster has coverage information and an estimate but has not documented witnesses, mitigation, outstanding invoices, or a potential subrogation target. What is the best next step before making a final recommendation?

Answer choices

  1. A. Issue the recommendation since coverage and an estimate are sufficient for every claim.
  2. B. Complete the missing evidence and identify unresolved items before issuing the recommendation.
  3. C. Delay all claim activity until every possible future fact is known with certainty.
  4. D. Delete references to unresolved evidence so the report appears final.

Correct answer

Complete the missing evidence and identify unresolved items before issuing the recommendation.

Objective/domain: Responsibilities and duties of an adjuster report (9%)

Source: Georgia OCI — Insurance Claim Tips

Question 10 A Georgia first-party private-passenger auto property claim is denied because the insurer relies on a policy exclusion. What documentation is required by Rule 120-2-52?

Answer choices

  1. A. Issue a written denial identifying the specific policy basis and document it.
  2. B. A proof of loss signed by the adjuster rather than the insured.
  3. C. A cancellation notice instead of a claim denial.
  4. D. A verbal denial only if the adjuster explains it by phone.

Correct answer

Issue a written denial identifying the specific policy basis and document it.

Objective/domain: Property and casualty policy contract provisions (15%)

Source: Georgia Rules — Subject 120-2-52 Fair and Equitable Settlement of First Party Property Damage Claims

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