58 questions from the Texas All-Lines Adjuster exam, answered
The Texas All-Lines Adjuster exam is 150 questions with a scaled passing score of 70, which is neither the number nor the percentage correct. This test uses 70% as a yardstick.
These 58 come out of Insurance Adjuster Exam TX FL's own 500-question bank. Each answer keeps the app's explanation and the public source it was written from — nothing here was written for the web.
Additional Coverages & Exclusions4
- Which of the following is named among the major EXCLUSIONS of a Commercial General Liability policy?
- Which group of coverages are the most common 'time element' coverages?
- TDI describes personal umbrella coverage as usually starting around $300,000 and paying up to at least:
- Which of the following does TDI list among the damages most SPECIAL FORM commercial property policies exclude?
Adjuster Duties & Ethics4
Adjusting Practices2
Auto Liability4
- Which coverage in a Texas personal automobile policy pays for bodily injury and property damage the insured becomes legally liable for?
- Texas minimum auto liability limits are commonly expressed as 30/60/25. The '25' refers to:
- Every Texas automobile liability policy must include personal injury protection (PIP) unless:
- Which of the eight basic Texas auto coverages pays to tow a car that cannot be driven and pays the labor to change a flat tire or jump-start the battery?
Auto Physical Damage & Mechanical Breakdown2
Bonds & Professional Liability1
Commercial Lines3
Dwelling Policies2
Florida No-Fault (PIP)1
Florida Residual Markets1
Florida Statutes & Rules2
Florida Workers' Compensation1
Inland & Ocean Marine4
Insurance Terms & Concepts5
- The principle of indemnity means that after a covered loss the insured should be:
- For property insurance, insurable interest must exist:
- How does NAIC distinguish MORAL hazard from MORALE hazard?
- Which of the following is a CONSEQUENTIAL (indirect) loss rather than a direct loss?
- Which of the following is NOT one of the elements essential to the existence of a contract?
Marketing & Unfair Claim Practices4
- Under the Texas prompt-payment law, an insurer must acknowledge receipt of a claim not later than:
- Once a Texas insurer notifies the claimant that a claim is accepted, it must pay the claim not later than:
- Which of the following is an unfair claim settlement practice under Texas law?
- Within 15 days after receiving notice of a claim, a Texas insurer must acknowledge receipt, request all items it reasonably believes it will need, and:
Personal Auto Policy2
Personal Lines & Homeowners4
- The HO-3 (Special Form) homeowners policy insures the dwelling on which basis?
- Which of the following is typically EXCLUDED from a homeowners policy and requires separate coverage?
- When a Texas insurer CANCELS a home policy, TDI says the company must give the policyholder advance notice of:
- Which reason lets a Texas company cancel a home policy in its FIRST 60 DAYS but is not one of the reasons TDI lists for cancelling at any time?
Standard Fire Policy3
- Which act by the insured will VOID coverage under the Standard Fire Policy's concealment or fraud provision?
- Under the Standard Fire Policy, the insured must render a signed and sworn proof of loss within:
- Under the Standard Fire Policy's 'requirements in case loss occurs,' what must the insured do in ADDITION to giving immediate written notice of the loss?
Texas Licensing & Regulation3
- Texas resident adjusters must complete how many hours of continuing education each two-year license period?
- Of the required continuing education hours, Texas mandates that a portion be devoted to:
- Which official heads the Texas Department of Insurance and holds general regulatory authority over insurance?