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GA · Pearson VUE · 100 questions
Georgia Adjuster Practice Test
Georgia licenses independent adjusters under Title 33, Chapter 23 of the Official Code of Georgia with a single resident Adjuster license for property and casualty claims, plus separate public adjuster, workers' compensation and crop hail licenses. Salaried company adjusters are excluded from the license requirement; instead, insurers register them with the Office of Commissioner of Insurance and Safety Fire by March 31 each year. Residents qualify by completing an approved property and casualty prelicensing course, passing Pearson VUE exam 12-GA-24 and submitting fingerprints and a citizenship affidavit. The same exam leads to Georgia's nonresident Adjuster DHS license for people who live in states that do not license adjusters (see our designated home state guide). Fees, renewal and nonresident rules are in our Georgia adjuster license guide.
The exam has 105 questions (100 scored plus 5 unscored pretest items) in two hours, and you need 70% to pass. It leans heavily on policy knowledge: 48 questions on property and casualty products, 23 on insurance terms, 15 on contract provisions and 9 on the adjuster's loss report. Georgia law is only 5 questions, but the outline ties them to specific code sections, from Chapter 23 licensing and the unfair claims practices in O.C.G.A. 33-6-34 to the guaranty association, the FAIR Plan, auto financial responsibility and cancellation and nonrenewal rules. Each Georgia question below cites the statute or rule behind its answer.
Exam vendor
Pearson VUE
Exam code
12-GA-24
Questions
105 (100 scored + 5 pretest)
Time limit
2 hours
Passing score
70%
Exam fee
$67
After a failed attempt you must wait 14 days to retest, and 60 days after the third and any later attempt. There is no limit on attempts, and each one costs $67.
Pass within 12 months of finishing the property and casualty prelicensing course, then apply on Sircon within 12 months of passing. The CPCU designation waives both the course and the exam.
The exam is also offered in Spanish, and Spanish-language candidates can switch between Spanish and English at any time during the exam.
Georgia Insurance Law for Adjusters: practice questions (part 1 of 2)
State law is the part of the exam that general study guides skip and the part most candidates miss. These 25 questions are written from the statutes and rules cited in each explanation.
0 of 25 answered
Who must be licensed · Application
Lena is a salaried claims employee of a property insurer and adjusts losses only under policies her employer issued. Under O.C.G.A. 33-23-1 and Rule 120-2-3-.24, what is required for her to adjust Georgia claims?
Show answer and explanation
Correct answer: B. Her employer must include her in its annual staff adjuster filing
The definition of adjuster in O.C.G.A. 33-23-1(a)(1)(B) excludes a salaried employee of an insurer who adjusts losses under that insurer's own policies, so Lena needs no individual license or exam. Rule 120-2-3-.24 instead requires each insurer to electronically file a list of its staff adjusters, and the people who directly supervise them, with the Commissioner every year. Being outside the license requirement is not the same as being unregulated.
Under Rule 120-2-3-.24, by what date must an insurer file its annual list of staff adjusters with the Georgia Commissioner, and what happens if the filing is late?
Show answer and explanation
Correct answer: A. March 31; a $15 late fee is charged for each staff adjuster
Rule 120-2-3-.24(1) requires every insurer that employs staff adjusters to file the list electronically by March 31 each year, and filings made after that deadline carry a $15 late fee per staff adjuster. Changes to the filing must be reported within 30 days. Birth-month deadlines apply to individual license renewals, not to the insurer's staff adjuster filing.
Marcus is a licensed Georgia property and casualty agent. One of the insurers he represents asks him to investigate and report on a small homeowners claim on a policy he sold. Under O.C.G.A. 33-23-29, what license does he need?
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Correct answer: C. No adjuster license, if the insurer authorizes him to act
O.C.G.A. 33-23-29(a) lets an agent, on behalf of and as authorized by an insurer for which the agent is licensed, act as an adjuster and investigate and report on claims without an adjuster license. A public adjuster license is wrong for another reason: public adjusters represent insureds, while Marcus would be working for the insurer. Georgia has no temporary adjuster permit for this situation.
Priya finished an approved property and casualty prelicensing course in January 2025, passed the Georgia adjuster exam in March 2025, and submitted her license application in May 2026. Under Rules 120-2-3-.09 and 120-2-3-.25, what is the result?
Show answer and explanation
Correct answer: D. She must retake the licensing exam, since she applied over 12 months after passing
Two separate 12-month clocks apply. Priya passed within 12 months of finishing the course, so that requirement was met. But Rule 120-2-3-.09(4) and Rule 120-2-3-.25(1)(d) also require the application within 12 months of receiving a passing score, and May 2026 is about 14 months after March 2025, so she must retake the licensing exam. The $150 penalty applies to late renewal reinstatement, not to new applications.
Under O.C.G.A. 33-6-5, an insurer commits an unfair practice if it refuses to insure an individual, or charges a different rate for the same coverage, solely because the individual:
Show answer and explanation
Correct answer: A. Is blind or partially blind
O.C.G.A. 33-6-5(10) bars refusing to insure, refusing to continue to insure, limiting coverage or charging a different rate solely because an individual is blind or partially blind, and paragraph (8) bars canceling or refusing property or casualty coverage solely because of a mental or physical impairment. The other choices are legitimate underwriting factors; O.C.G.A. 33-24-45 even lets an auto insurer cancel for three or more speeding convictions in 36 months.
Hannah has a bachelor's degree in insurance and wants a Georgia resident adjuster license. She holds no professional designations. Under Rule 120-2-3-.25(1), which statement is correct?
Show answer and explanation
Correct answer: C. She is exempt from the prelicensing course but must pass the licensing exam
Rule 120-2-3-.25(1)(f) lists a college degree in insurance among the exceptions to the prelicensing course, but the licensing exam exemption in Rule 120-2-3-.25(1)(d) depends on the CPCU designation or an exemption in Rule 120-2-3-.09. The Pearson VUE handbook agrees that a BBA in insurance waives prelicensing education only. A CPCU holder, by contrast, skips both the course and the licensing exam.
Carlos held a resident adjuster license in Alabama in good standing. He moved to Georgia, and Alabama canceled his license on June 1. Under Rule 120-2-3-.09(1)(m), what lets him skip Georgia's prelicensing course and exam?
Show answer and explanation
Correct answer: A. Applying for the same lines within 90 days of the cancellation
Rule 120-2-3-.09(1)(m) waives prelicensing and the licensing exam for an applicant previously licensed for the same lines in another state, but only if the applicant is still licensed there or the application is received within 90 days of the prior license's cancellation, with good standing verified. The handbook adds that he should get a letter of clearance from his former state. Missing the 90-day window means taking the course and the licensing exam.
Tamika's Georgia adjuster license expired at the end of her birth month eight months ago because she forgot to renew. Under Rule 120-2-3-.16, what must she do to restore it?
Show answer and explanation
Correct answer: D. File late renewal reinstatement with a $150 penalty, fees and new fingerprints
A late renewal with only a late fee is allowed within 15 days after the birth-month deadline. After that, Rule 120-2-3-.16(2) imposes a $150 reinstatement penalty plus renewal and late fees, and reinstatement 6 or more months after expiration also requires electronic fingerprints. Only if a full year passes after expiration must she reapply and satisfy all prelicensing requirements again.
Under O.C.G.A. 33-6-4(b), circulating a false or maliciously critical statement about an insurer's financial condition, intended to injure someone in the insurance business, is known as:
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Correct answer: C. Defamation
O.C.G.A. 33-6-4(b)(3) prohibits making or circulating any oral or written statement that is false or maliciously critical of, or substantially misrepresents, the financial condition of an insurer and is calculated to injure a person in the insurance business. The Georgia content outline labels this defamation. Rebating means inducements not stated in the policy, and boycott means concerted coercion or intimidation that restrains trade.
Diego, a Georgia adjuster licensed for 6 years with no designations, completed 40 approved CE hours, including exactly 3 ethics hours, during his current biennium. Under Rule 120-2-3-.15, what is the most CE credit he can carry forward?
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Correct answer: B. 12 hours
Diego's requirement is 24 hours, so he has 40 minus 24, or 16, excess hours. Rule 120-2-3-.15(5) caps the credit carried forward at 50% of the biennial requirement: 50% of 24 is 12 hours. Only 12 of his 16 extra hours carry forward. Licensees continuously licensed for 20 years or more need only 20 hours, but the 3-hour ethics minimum applies to both groups.
Under Rule 120-2-3-.25(5), how are an insurer's unlicensed salaried staff adjusters and out-of-state licensees authorized to handle claims after a GEMA-declared disaster in Georgia?
Show answer and explanation
Correct answer: D. The insurer files a list and gets re-entry permits for up to 60 days
For a disaster or catastrophe declared by GEMA, Rule 120-2-3-.25(5)(a) requires the insurer to electronically file a list of the non-licensed salaried staff adjusters and out-of-state licensees who will handle the claims. The Department then assigns Disaster Re-entry Permits, which are temporarily assigned to each adjuster for no more than 60 days. The filing must also name the insurer's adjuster coordinator.
Jordan, an adjuster licensed in Tennessee, is sent to Georgia after a hailstorm that was not a GEMA-declared disaster. Under Rule 120-2-3-.25(5)(c), what must Jordan do to work there without a Georgia license?
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Correct answer: A. Notify the Department before entry; staying over 60 days requires a license
For a non-GEMA disaster, Rule 120-2-3-.25(5)(c) lets a nonresident adjuster licensed in another state enter Georgia for up to 60 days, but the adjuster must notify the Department before entry with name, address and anticipated entry date. Staying longer than 60 days requires a Georgia adjuster license. Disaster Re-entry Permits come from the insurer filing used for GEMA-declared disasters.
Under O.C.G.A. 33-23-21, a Georgia adjuster who is arrested and criminally charged must report the prosecution to the Commissioner within what time to avoid a separate ground for discipline?
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Correct answer: B. Within 30 days of the arrest
O.C.G.A. 33-23-21(17) makes failing to report any criminal prosecution, in any jurisdiction, a ground for refusal, suspension or revocation, and the report, with the initial complaint and any hearing orders, must be filed within 30 days of the date of arrest. The 60-day windows in paragraphs (19) and (22) cover notice of convictions and of actions taken against the licensee by other licensing authorities.
Under O.C.G.A. 33-2-24(g), what is the maximum monetary penalty the Commissioner may impose for each act violating the insurance code when the licensee knew or reasonably should have known of the violation?
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Correct answer: C. $5,000 per act
O.C.G.A. 33-2-24(g)(2) allows a monetary penalty of up to $2,000 for each act in violation, increased to up to $5,000 per act when the person knew or reasonably should have known of the violation. Paragraph (g)(1) also lets the Commissioner place a licensee on probation for up to one year for each violation, and these penalties are in addition to others in Title 33.
Under O.C.G.A. 33-23-43, what restriction applies to a person licensed in Georgia as both an independent adjuster and a public adjuster?
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Correct answer: C. May not represent both insurer and insured in the same transaction
O.C.G.A. 33-23-43(a) states that an adjuster licensed as both an independent and a public adjuster shall not represent both the insurer and the insured in the same transaction, and subsection (b) limits independent adjusting to work for insurers and public adjusting to work for insureds. Consent does not cure the conflict, and O.C.G.A. 33-23-43.8(g)(4) separately bars charging an insured while representing the carrier.
A public adjuster wants to phone homeowners whose roofs were damaged by hail last week; no state of emergency is in effect. Under O.C.G.A. 33-23-43.8(b), which call would be permitted?
Show answer and explanation
Correct answer: D. Sunday at 1:00 P.M.
O.C.G.A. 33-23-43.8(b) permits an adjuster to solicit business on a loss only between 8:00 A.M. and 10:00 P.M. on a weekday or Saturday, and between noon and 10:00 P.M. on Sunday. Only the 1:00 P.M. Sunday call falls inside those windows. The adjuster may still accept calls or visits that the insured initiates during the restricted hours.
While adjusting a commercial fire loss, Felipe is offered the chance to buy the damaged inventory that is the subject of the claim as salvage. Under O.C.G.A. 33-23-43.8(g), when may he acquire an interest in it?
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Correct answer: A. Only with the insured's knowledge and written consent
O.C.G.A. 33-23-43.8(g)(3) prohibits an adjuster from acquiring an interest in salvaged property that is the subject of a claim the adjuster is adjusting without the insured's knowledge and written consent. Paying fair value, waiting, or getting the insurer's approval does not satisfy the rule. Related provisions bar adjusters from taking part in repairs or profiting from repair or salvage firms tied to their claims.
Under O.C.G.A. 33-23-43.8, each of the following is prohibited for a Georgia adjuster EXCEPT:
Show answer and explanation
Correct answer: B. Recommending a particular attorney when the insured asks for one
Section 33-23-43.8 bars advancing money to a potential client or insured (subsection (i)), divulging information obtained except at the direction of the employer or client or as law requires (subsection (c)), and participating in reconstruction or repair of property on a claim the adjuster adjusts (subsection (g)(1)). Subsection (g)(5) bars soliciting employment for an attorney but expressly allows recommending a particular attorney.
Under the definition in O.C.G.A. 33-23-1(a)(13), which claim falls outside the scope of what a Georgia public adjuster may handle?
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Correct answer: C. A collision claim on the insured's own car
Georgia defines a public adjuster as someone who represents insureds under policies covering fire, windstorm, water and other physical damage to real and personal property other than vehicles licensed for the road, including related loss of income and living expenses, and the definition excludes claims arising out of any motor vehicle accident. A collision claim on a car is therefore outside public adjusting; residential and commercial property claims are within it.
Under Rule 120-2-3-.18, what bond must a resident Georgia public adjuster file and maintain?
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Correct answer: A. A $5,000 bond in favor of the Commissioner
Rule 120-2-3-.18 requires a $5,000 bond for resident public adjusters, in favor of the Commissioner and conditioned on proper accounting for money, proper reporting to principals and payment of fees or fines. The bond must be continuous, and failing to maintain it cancels the license. The $50,000 figure is the surplus lines broker bond, not the public adjuster bond.
Rosa signed a public adjuster contract on Monday afternoon after a kitchen fire. On Wednesday she changes her mind. Under O.C.G.A. 33-23-43.2(d), what right does she have?
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Correct answer: C. She may rescind in writing within 3 business days for a refund
Every Georgia public adjuster contract is construed to give the insured a right to rescind within three business days after signing, if the rescission is in writing and mailed or delivered, including by the email or fax address listed in the contract. Anything of value she gave must be returned within 15 business days after the adjuster receives the notice. Wednesday is within her window.
A homeowner's public adjuster contract calls for a 40% fee. The insurer pays $90,000 to settle the hurricane claim several weeks after the loss was reported. Under O.C.G.A. 33-23-43.3(a), what is the most the public adjuster may collect?
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Correct answer: B. $29,970
O.C.G.A. 33-23-43.3(a) caps a public adjuster's total commission at 33.3% of the insurance settlement, so the 40% contract term cannot be enforced in full: $90,000 x 33.3% = $29,970. The 72-hour policy limits rule in subsection (b) does not apply because payment came weeks after the report. The fee must also not be unreasonable.
Two days after Kofi reports a total fire loss, his insurer commits in writing to pay the full policy limits. His public adjuster's contract calls for 10% of all claim payments. Under O.C.G.A. 33-23-43.3(b), what may the public adjuster charge?
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Correct answer: C. Reasonable compensation based on time spent and expenses
If the insurer pays or commits in writing to pay the policy limit within 72 hours after the loss is reported, O.C.G.A. 33-23-43.3(b) bars a commission based on a percentage of the amount paid. The public adjuster is still entitled to reasonable compensation for time spent and expenses incurred until the payment or written commitment. O.C.G.A. 33-23-43(c)(8) states a similar limit.
Under O.C.G.A. 33-6-34, failing to provide the forms necessary to file a claim within how many calendar days of a request is an unfair claims settlement practice?
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Correct answer: D. 15
O.C.G.A. 33-6-34(11) lists failing to provide the forms needed to file a claim within 15 calendar days of a request, with reasonable explanations of their use, as an unfair claims settlement practice. For first-party auto physical damage claims, Rule 120-2-52-.03(2) also requires proof of loss forms within 15 days of notice. Under 33-6-33, the act is a violation when flagrant or a general business practice.
Under O.C.G.A. 33-6-33, an act listed in O.C.G.A. 33-6-34, such as failing to acknowledge claim communications promptly, becomes an improper claims settlement practice when it is:
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Correct answer: B. Flagrant and in conscious disregard, or a general business practice
Under O.C.G.A. 33-6-33, an act listed in 33-6-34 is an improper claims settlement practice only if it is committed flagrantly and in conscious disregard of the insurance code or its rules, or with such frequency as to indicate a general business practice. An isolated mistake usually does not qualify. Enforcement runs through the Commissioner's hearing and cease and desist process under 33-6-35, not a bad faith verdict.
The vendor's published outline lists these content areas. See the official candidate handbook for the full topic list.
Content area
Share of exam
I. Property and casualty insurance terms and related concepts
23 questions (23%)
II. General property insurance product knowledge pertinent to adjusters
48 questions (48%)
III. Property and casualty policy contract provision
15 questions (15%)
IV. Responsibilities and duties of an adjuster report
9 questions (9%)
V. Georgia laws, rules, and regulations pertinent to all adjusters
5 questions (5%)
Outline titled "Georgia Adjuster Examination Content Outline" in the Pearson VUE Georgia Insurance Supplement (publication 121102, rev. 09/2026), effective October 22, 2024; counts are of the 100 scored questions.
Study by topic
Each topic test is a separate page with its own score breakdown, so you can drill the areas where you are weakest.
Policy knowledge is nearly half the exam. Section II has 48 questions on the standard fire policy, DP and HO forms, mobile homes, the commercial package policy, business income, the CGL, the BOP, inland and ocean marine, auto and garage coverage, crime, surety bonds, umbrella and workers compensation.
Learn every term in Section I. The 23-question terms section names its concepts one by one, from risk, peril and hazard to pair and set, waiver and estoppel, valued policy, mysterious disappearance, binders and the law of large numbers. Expect direct definition questions.
Do not skip the adjuster report section. Nine questions cover what a loss report must capture: inception and expiration dates, occurrence date, the parties, policy form and number, coverages, deductibles, joint tortfeasors, and direct versus indirect loss.
Five Georgia questions, many numbers. Know the 25/50/25 auto minimums, the 15-day claim form rule in O.C.G.A. 33-6-34, the $300,000 insolvency pool cap, 30-day and 10-day cancellation notices, the 33.3% public adjuster fee cap and the $5,000 public adjuster bond.
Know your own license rules. Apply within 12 months of passing; the license renews every two years on the last day of your birth month, with 24 hours of CE including 3 hours of ethics, and a late renewal with only a late fee is allowed within 15 days; after that, reinstatement adds a $150 penalty.
Use the clock and your attempts wisely. 105 questions in 120 minutes is just over a minute each. A failed attempt means a 14-day wait, and 60 days after a third failure, so score 80% or better on two timed practice exams before you book.
Getting licensed in Georgia
Georgia licenses independent adjusters under a single 'Adjuster' license (property and casualty), plus separate Workers' Compensation Adjuster, Crop Hail Adjuster and Public Adjuster licenses. Salaried staff (company) adjusters are not individually licensed and are exempt from the exam; instead, insurers must register them through an annual staff adjuster filing with OCI.
License fee: $100
License term: 2 years. Renewal and fees are due on the last day of the licensee's birth month; a late renewal is allowed within 15 days (Rule 120-2-3-.16). Nonresident licenses also renew every 2 years.
Continuing education: 24 hours including 3 hours of ethics every 2 years (biennial license period)
How many questions are on the Georgia adjuster exam?
The Pearson VUE Georgia Adjuster exam (12-GA-24) has 105 questions: 100 scored and 5 unscored pretest questions mixed in, with a two-hour time limit. Property and casualty product knowledge is the largest section, with 48 of the scored questions; Georgia law accounts for 5.
What score do you need to pass the Georgia adjuster exam?
You need 70%. Georgia reports a percent score, the share of scored questions you answer correctly, and Pearson VUE equates the different exam forms so each has comparable difficulty. There is no penalty for wrong answers, so answer every question.
Do I need a prelicensing course for the Georgia adjuster license?
Yes, unless you are exempt. Rule 120-2-3-.25 requires an approved property and casualty prelicensing course, and you must pass the exam within 12 months of finishing it. CPCU holders skip both the course and the exam, a bachelor's degree in insurance waives only the course, and adjusters moving from another state skip both for the same lines if they are still licensed there or apply within 90 days of that license's cancellation.
How much does a Georgia adjuster license cost?
Plan on the $67 Pearson VUE exam fee, the $100 license fee plus a $20 processing fee, electronic fingerprinting and the prelicensing course. Exam fees are non-refundable unless you change or cancel at least 48 hours before your appointment.
What happens if I fail the Georgia adjuster exam?
You can try again as many times as you need, paying $67 each time. Georgia requires a 14-day wait after the first and second failed attempts and a 60-day wait after the third and any later attempt. A failing score report includes diagnostics to show where to focus.
Do company staff adjusters need a Georgia license?
No. Georgia's definition of adjuster excludes salaried employees of an insurer who adjust losses under that insurer's own policies. Instead, each insurer files an annual list of its staff adjusters, and the people who supervise them, with the Department by March 31 under Rule 120-2-3-.24.