TEXAS ALL LINES ADJUSTER
COMPREHENSIVE EXAMINATION GUIDE
2026 COMPLETE QUESTIONS AND
ANSWERS
◉ fraud.
Answer: deceiving an insurer to profit from an insurance policy
◉ hard fraud.
Answer: Deliberately planning or faking a loss
◉ soft fraud.
Answer: Exaggerating a claim to inflate the indemnity
◉ proximate cause.
Answer: where there is an unbroken chain of events between an
occurrence and a loss, then that occurrence is the
◉ occurrence.
Answer: event, incident, or conditions that causes damage
, ◉ direct loss.
Answer: Physical harm to tangible property
◉ indirect loss.
Answer: economic loss which flows as a consequence of direct loss
◉ claim.
Answer: demand for payment in accordance with the terms of
insurance policy
◉ claimant.
Answer: someone who has filed a claim
◉ first party claim.
Answer: Claim by a policyholder, insured or beneficiary directly
against the insurance company that issued the contract
◉ third party claim.
Answer: A demand against an insured by a person or organization
other than the insured or the insurer, seeking to recover damages
that may be payable by the insured's liability insurance.
◉ Insurable Interest.
COMPREHENSIVE EXAMINATION GUIDE
2026 COMPLETE QUESTIONS AND
ANSWERS
◉ fraud.
Answer: deceiving an insurer to profit from an insurance policy
◉ hard fraud.
Answer: Deliberately planning or faking a loss
◉ soft fraud.
Answer: Exaggerating a claim to inflate the indemnity
◉ proximate cause.
Answer: where there is an unbroken chain of events between an
occurrence and a loss, then that occurrence is the
◉ occurrence.
Answer: event, incident, or conditions that causes damage
, ◉ direct loss.
Answer: Physical harm to tangible property
◉ indirect loss.
Answer: economic loss which flows as a consequence of direct loss
◉ claim.
Answer: demand for payment in accordance with the terms of
insurance policy
◉ claimant.
Answer: someone who has filed a claim
◉ first party claim.
Answer: Claim by a policyholder, insured or beneficiary directly
against the insurance company that issued the contract
◉ third party claim.
Answer: A demand against an insured by a person or organization
other than the insured or the insurer, seeking to recover damages
that may be payable by the insured's liability insurance.
◉ Insurable Interest.
