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TEXAS ADJUSTER EXAM QUESTIONS AND
VERIFIED ANSWERS 2025-2026|ALREADY
GRADED A NEW EXAM!!
If an automobile policy has split limits of 30/60/25. What is the
maximum amount of liability coverage that would be paid in a covered
loss where three people are involved. - CORRECT ANSWER>>$30,000
Which of the following statements best describes an inland marine
policy? - CORRECT ANSWER>>Pertains to Cargo with no fixed location
Alex is traveling through College Station and hits a deer, and the
damages are $1500. He has comprehensive coverage with a $500
deductible. What will you pay? - CORRECT ANSWER>>$1000
This department is responsible for making rates and determines the
rates charged by the insurer - CORRECT ANSWER>>Actuarial
department
Johnny has 30/60/25 limits on his auto policy, and he negligently ran
into a parked car driven by Steve Garcia. What is the maximum amount
of coverage that can be provided for the damage to Steve's car? -
CORRECT ANSWER>>25,000
2
Your customer has HO-B homeowners policy with a Coverage A limit os
$300,000. His mortgage payment is $1,400 per month. He can't stay in
his home for 1 month due to a claim that was caused by smoke. He is
staying in a local hotel for 1 month. The cost of the hotel is $900 for the
moth. How much will you pay your policyholder for Additional Living
Expenses - CORRECT ANSWER>>$900
Insurance for ocean vessels is the ______ type of insurance? - CORRECT
ANSWER>>oldest
Your insured has a homeowners policy with a Coverage A limit of
$50,000, His coverage B limit is $20,000. His deductible is 1%. He has 30
trees that are damaged during the fire. How much are you going to pay
on his claim? - CORRECT ANSWER>>2500
, If you have a covered loss, in excess of a limit, you can apply that excess
towards the deductible. This best describes? - CORRECT
ANSWER>>Absorbing the deductible
What type of contract exists when the insurance policy is valid even
though there is an unequal exchange? - CORRECT ANSWER>>Aleatory
Contract
What is the intentional or unintentional impression by the insurance
company that a certain fact exists when it does not? - CORRECT
ANSWER>>Estoppel
An event that results in an insured loss / damages. - CORRECT
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ANSWER>>Occurrence
Joseph ross owns a 2014 Toyota Avalon. while at the mall shopping,
someone hit his car and left a big dent on the right side of his car. He
does not know who hit his car, and there are no witnesses to this
accident. What type of insurance protection does he need to protect
him from financial loss in this situation - CORRECT
ANSWER>>Comprehensive
Morris has a Texas Dwelling policy on his property. His property burns
down in a fire. He claims that he has also sustained a financial loss
because he is not able to rent the property to his tenants. What can you
tell him? - CORRECT ANSWER>>He has coverage for loss of fair Rental
Value
Method of dispute resolution that occurs when there is a dispute
regarding whether or not something is covered under the policy -
CORRECT ANSWER>>Arbitration
A customer claims he tripped on a stair in John's Art Gallery and broke
his leg. The only way the customer will have a successful claim against
John's insurance is? - CORRECT ANSWER>>John must be found legally
liable for the incident
Janet thompson works for universal insurance company of Texas. She is
involved in a work related accident in the supply room. She immediately
notifies her supervisor about the accident. Universal insurance
4
TEXAS ADJUSTER EXAM QUESTIONS AND
VERIFIED ANSWERS 2025-2026|ALREADY
GRADED A NEW EXAM!!
If an automobile policy has split limits of 30/60/25. What is the
maximum amount of liability coverage that would be paid in a covered
loss where three people are involved. - CORRECT ANSWER>>$30,000
Which of the following statements best describes an inland marine
policy? - CORRECT ANSWER>>Pertains to Cargo with no fixed location
Alex is traveling through College Station and hits a deer, and the
damages are $1500. He has comprehensive coverage with a $500
deductible. What will you pay? - CORRECT ANSWER>>$1000
This department is responsible for making rates and determines the
rates charged by the insurer - CORRECT ANSWER>>Actuarial
department
Johnny has 30/60/25 limits on his auto policy, and he negligently ran
into a parked car driven by Steve Garcia. What is the maximum amount
of coverage that can be provided for the damage to Steve's car? -
CORRECT ANSWER>>25,000
2
Your customer has HO-B homeowners policy with a Coverage A limit os
$300,000. His mortgage payment is $1,400 per month. He can't stay in
his home for 1 month due to a claim that was caused by smoke. He is
staying in a local hotel for 1 month. The cost of the hotel is $900 for the
moth. How much will you pay your policyholder for Additional Living
Expenses - CORRECT ANSWER>>$900
Insurance for ocean vessels is the ______ type of insurance? - CORRECT
ANSWER>>oldest
Your insured has a homeowners policy with a Coverage A limit of
$50,000, His coverage B limit is $20,000. His deductible is 1%. He has 30
trees that are damaged during the fire. How much are you going to pay
on his claim? - CORRECT ANSWER>>2500
, If you have a covered loss, in excess of a limit, you can apply that excess
towards the deductible. This best describes? - CORRECT
ANSWER>>Absorbing the deductible
What type of contract exists when the insurance policy is valid even
though there is an unequal exchange? - CORRECT ANSWER>>Aleatory
Contract
What is the intentional or unintentional impression by the insurance
company that a certain fact exists when it does not? - CORRECT
ANSWER>>Estoppel
An event that results in an insured loss / damages. - CORRECT
3
ANSWER>>Occurrence
Joseph ross owns a 2014 Toyota Avalon. while at the mall shopping,
someone hit his car and left a big dent on the right side of his car. He
does not know who hit his car, and there are no witnesses to this
accident. What type of insurance protection does he need to protect
him from financial loss in this situation - CORRECT
ANSWER>>Comprehensive
Morris has a Texas Dwelling policy on his property. His property burns
down in a fire. He claims that he has also sustained a financial loss
because he is not able to rent the property to his tenants. What can you
tell him? - CORRECT ANSWER>>He has coverage for loss of fair Rental
Value
Method of dispute resolution that occurs when there is a dispute
regarding whether or not something is covered under the policy -
CORRECT ANSWER>>Arbitration
A customer claims he tripped on a stair in John's Art Gallery and broke
his leg. The only way the customer will have a successful claim against
John's insurance is? - CORRECT ANSWER>>John must be found legally
liable for the incident
Janet thompson works for universal insurance company of Texas. She is
involved in a work related accident in the supply room. She immediately
notifies her supervisor about the accident. Universal insurance
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