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ID Independent Adjuster

Provider: Pearson VUE
Format: Computer-based written examination, at a test center or online proctored
Exam questions: 50 scored questions plus 10 pretest questions
Time limit: 75 minutes
Exam fee: $65

Examination outline

I. INSURANCE TERMS AND RELATED CONCEPTS
- A. Insurable interest
- B. Hazard
- C. Peril
- D. Loss (Direct vs indirect)
- E. Proximate cause
- F. Deductible
- G. Indemnity
- H. Actual cash value
- I. Replacement cost
- J. Limits of liability (Combined vs split)
- K. Coinsurance/insurance to value
- L. Pair and set clause
- M. Extensions of coverage
- N. Additional coverages
- O. Accident
- P. Occurrence
- Q. Cancellation
- R. Nonrenewal
- S. Vacancy and unoccupancy
- T. Abandonment
- U. Liability
- V. Negligence
- W. Burglary
- X. Robbery
- Y. Theft
- Z. Mysterious disappearance
- AA. Bodily injury liability
- BB. Property damage liability
- CC. Personal injury liability
- DD. Insured contract
- EE. Certificate of insurance
- FF. First vs third party
- GG. Excess vs reinsurance
- HH. Primary vs secondary coverage
- II. Coordination of Benefits (Medicare/Medicaid/Workers’ Compensation/Personal Health)
- JJ. Methods of Resolution (Appraisal, Arbitration, Mediation, Litigation, Subrogation)
- KK. Statute of Limitations
II. POLICY PROVISIONS AND CONTRACT LAW
- A. Declarations
- B. Insuring agreement
- C. Conditions
- D. Exclusions
- E. Definition of the insured
- F. Duties of the insured after a loss
- G. Obligations of the insurer
- H. Mortgagee rights
- I. Proof of loss
- J. Notice of claim
- K. Appraisal
- L. Other insurance provision
- M. Subrogation
- N. Arbitration
- O. Elements of a contract
- P. Warranties, representations, and concealment
- Q. Additional (supplementary) payments
- R. Claims made policy form
- S. Salvage
- T. Loss settlement provisions including consent to settle loss
- U. Limitations
- V. Notice of Injury
- W. Coinsurance
III. TYPES OF POLICIES
- A. Personal lines
- A. Personal lines / 1. Dwellings and contents (DP forms)
- A. Personal lines / 2. Personal liability
- A. Personal lines / 3. Homeowners (HO forms)
- A. Personal lines / 4. Mobile homes
- A. Personal lines / 5. Renters
- A. Personal lines / 6. Farmowners/Ranchers
- B. Boiler and machinery coverage forms
- C. Automotive: personal auto and business (commercial) auto
- C. Automotive: personal auto and business (commercial) auto / 1. Liability
- C. Automotive: personal auto and business (commercial) auto / 2. Medical payments
- C. Automotive: personal auto and business (commercial) auto / 3. Physical damage (collision and other than collision/comprehensive)
- C. Automotive: personal auto and business (commercial) auto / 4. Uninsured motorists
- C. Automotive: personal auto and business (commercial) auto / 5. Underinsured motorists
- C. Automotive: personal auto and business (commercial) auto / 6. Definitions
- C. Automotive: personal auto and business (commercial) auto / 7. Types of auto
- C. Automotive: personal auto and business (commercial) auto / 7. Types of auto / a. Owned
- C. Automotive: personal auto and business (commercial) auto / 7. Types of auto / b. Non-owned
- C. Automotive: personal auto and business (commercial) auto / 7. Types of auto / c. Hired
- C. Automotive: personal auto and business (commercial) auto / 7. Types of auto / d. Temporary substitute
- C. Automotive: personal auto and business (commercial) auto / 8. Garage coverage form
- C. Automotive: personal auto and business (commercial) auto / 8. Garage coverage form / a. Standard coverages
- C. Automotive: personal auto and business (commercial) auto / 8. Garage coverage form / a. Standard coverages / (1). Liability
- C. Automotive: personal auto and business (commercial) auto / 8. Garage coverage form / a. Standard coverages / (2). Garagekeepers
- C. Automotive: personal auto and business (commercial) auto / 8. Garage coverage form / a. Standard coverages / (3). Physical damage
- C. Automotive: personal auto and business (commercial) auto / 8. Garage coverage form / b. Garagekeepers options
- C. Automotive: personal auto and business (commercial) auto / 9. Truckers coverage form
- C. Automotive: personal auto and business (commercial) auto / 10. Inland Marine/Cargo
- C. Automotive: personal auto and business (commercial) auto / 11. Commercial General Liability
- C. Automotive: personal auto and business (commercial) auto / 12. Commercial Property
IV. IDAHO STATUTES, RULES, AND REGULATIONS COMMON TO ALL INSURANCE LINES
- A. Responsibilities of the Director of the Department of Insurance
- A. Responsibilities of the Director of the Department of Insurance / 1. Appointment
- A. Responsibilities of the Director of the Department of Insurance / 2. General duties and powers
- A. Responsibilities of the Director of the Department of Insurance / 3. Hearings/notice of hearings/orders
- A. Responsibilities of the Director of the Department of Insurance / 4. Penalties
- B. Definitions
- B. Definitions / 1. Authorized and unauthorized companies/admitted and nonadmitted companies
- B. Definitions / 2. Certificate of authority
- C. Licensing
- C. Licensing / 1. Persons required to be licensed
- C. Licensing / 1. Persons required to be licensed / a. Resident/nonresident
- C. Licensing / 1. Persons required to be licensed / b. Adjuster
- C. Licensing / 2. Obtaining a license
- C. Licensing / 2. Obtaining a license / a. Qualifications
- C. Licensing / 2. Obtaining a license / b. License application
- C. Licensing / 2. Obtaining a license / c. Written examinations
- C. Licensing / 2. Obtaining a license / d. Exemptions/exceptions
- C. Licensing / 2. Obtaining a license / e. License denial/refusal
- C. Licensing / 3. Maintaining a license
- C. Licensing / 3. Maintaining a license / a. Change of address/place of business
- C. Licensing / 3. Maintaining a license / b. Fees/renewal
- C. Licensing / 3. Maintaining a license / c. Record keeping
- C. Licensing / 3. Maintaining a license / d. License expiration
- C. Licensing / 3. Maintaining a license / e. Suspension or revocation of licenses/felony convictions
V. IDAHO STATUTES, RULES, AND REGULATIONS COMMON TO PROPERTY AND CASUALTY INSURANCE ONLY
- A. Insurance contracts
- A. Insurance contracts / 1. Renewal, nonrenewal, cancellation
- A. Insurance contracts / 2. Commercial, homeowners, personal auto, and casualty policies
- A. Insurance contracts / 3. Unfair Claims Settlement
- B. Rate filings
- C. Businessowners policy (BOP)
- D. Business auto policy
VI. IDAHO STATUTES, RULES, AND REGULATIONS PERTINENT TO PROPERTY INSURANCE ONLY
- A. Claims methods and practices
- B. Standard fire policy
- C. Marine/inland marine
VII. IDAHO STATUTES, RULES, AND REGULATIONS PERTINENT TO CASUALTY INSURANCE ONLY
- A. Financial responsibility
- A. Financial responsibility / 1. Proof of financial responsibility defined
- A. Financial responsibility / 2. Persons required to show proof
- A. Financial responsibility / 3. Penalty for noncompliance
- A. Financial responsibility / 4. Methods of satisfying financial responsibility
- B. Uninsured/underinsured motorists coverage
- C. Assigned risk plan
- D. Payment of claims
- E. Payment of claims (collision)
VIII. Worker’s Compensation Insurance
- A. Standard policy concepts
- B. Self-insured vs insured
- C. Work-related vs. non-work-related (AOE/COE)
- D. Other states’ insurance
- E. Jurisdiction
- F. Exclusive remedy
- G. Accident/injury vs occupational disease
- H. Reporting/Making claim
- I. Statute of limitations for medical vs indemnity benefits

Examination sources

Idaho Insurance Licensing Candidate Handbook
Content outline S16: examination title
Idaho Insurance Licensing Candidate Handbook
Content outline S16 footer: effective date
Idaho Insurance Licensing Candidate Handbook
Content outline S16: complete outline question allocation
Idaho Insurance Licensing Candidate Handbook
Content outline, S16: scored examination questions
Idaho official source — code41-1104
Idaho Code § 41-1104(1)(d)
Idaho Insurance Licensing Candidate Handbook
Available Exams, page 7: ID Independent Adjuster
Idaho official source — resident-independent
Resident application, step 7: ID Independent Adjuster

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Independent Adjuster License