TEXAS ALL LINES ADJUSTER EXAM
2025 QUESTIONS AND CORRECT
ANSWERS
The process when an insurer and insured have a dispute regarding the amount of the
damage: - ANSWER>>Appraisal
The intentional misrepresentation of a material fact that may void a contract? -
ANSWER>>Fraud
What is the type of negotiation that is also sometimes called positional or hard-
bargaining? - ANSWER>>Distributive
What is the failure to use that degree of care which n ordinary person of reasonable
prudence would use under similar circumstances? - ANSWER>>Negligence
What is a situation involving a person other than an insured? - ANSWER>>Third Party
Loss
What is the responsibility to another for one's negligence? - ANSWER>>Liability
Mary has a homeowner's policy. Her Coverage A limit of liability is $250,000 and her
Coverage B limit of liability is $125,000. Her policy has a 2% deductible. What is her
deductible? - ANSWER>>$5,000
The part of the insurance policy that details the rights and duties of the insured and the
insurance company in the policy? - ANSWER>>Conditions
What is a partial legal defense that reduces the amount of damages that a person can
recover based upon the amount that this person's own negligence contributed to the
loss? - ANSWER>>Comparative Negligence
Value of property based on the current cost to replace it minus depreciation? -
ANSWER>>Actual Cash Vale
This type of Auto Coverage pays for your damages if you were involved in a hit and run:
- ANSWER>>Uninsured Motorist
What is the cost associated with replacing property at current market prices? -
, ANSWER>>Replacement Cost
The process when an insurer and insured have a dispute regarding the amount of the
damage: - ANSWER>>Appraisal
The intentional misrepresentation of a material fact that may void a contract? -
ANSWER>>Fraud
What is the type of negotiation that is also sometimes called positional or hard-
bargaining? - ANSWER>>Distributive
An event that results in an insured loss and damages? - ANSWER>>Occurrence
What is the period a policy is in force, from the beginning or effective date? -
ANSWER>>Policy Period
The amount the insured must pay in a loss before any payment is due? -
ANSWER>>Deductible
The insurer must review the claim and accept or reject within how many days? -
ANSWER>>15 calendar
Oral or written false statement that is malicious - ANSWER>>Defamation
Time requirements does the policy holder have to complete the requirements that the
insurer has requested? - ANSWER>>No requirements
Days for insurer to pay the claim - ANSWER>>5 business
Insurer must acknowledge the claim begin the investigation, and request all the
information needed in what time frame? - ANSWER>>15 Calendar days
What must an insurer provide for the declination, cancellation, or nonrenewal of an
insurance policy? - ANSWER>>Written Statement
Established in 1991 to ensure prompt payment of insurance claims? -
ANSWER>>Article 21.55
An insurer may not consider a _______ as a basis for declination? -
ANSWER>>Customer Inquiry
An insurer may refuse to renew a policy if the insurer has mailed notice of nonrenewal
2025 QUESTIONS AND CORRECT
ANSWERS
The process when an insurer and insured have a dispute regarding the amount of the
damage: - ANSWER>>Appraisal
The intentional misrepresentation of a material fact that may void a contract? -
ANSWER>>Fraud
What is the type of negotiation that is also sometimes called positional or hard-
bargaining? - ANSWER>>Distributive
What is the failure to use that degree of care which n ordinary person of reasonable
prudence would use under similar circumstances? - ANSWER>>Negligence
What is a situation involving a person other than an insured? - ANSWER>>Third Party
Loss
What is the responsibility to another for one's negligence? - ANSWER>>Liability
Mary has a homeowner's policy. Her Coverage A limit of liability is $250,000 and her
Coverage B limit of liability is $125,000. Her policy has a 2% deductible. What is her
deductible? - ANSWER>>$5,000
The part of the insurance policy that details the rights and duties of the insured and the
insurance company in the policy? - ANSWER>>Conditions
What is a partial legal defense that reduces the amount of damages that a person can
recover based upon the amount that this person's own negligence contributed to the
loss? - ANSWER>>Comparative Negligence
Value of property based on the current cost to replace it minus depreciation? -
ANSWER>>Actual Cash Vale
This type of Auto Coverage pays for your damages if you were involved in a hit and run:
- ANSWER>>Uninsured Motorist
What is the cost associated with replacing property at current market prices? -
, ANSWER>>Replacement Cost
The process when an insurer and insured have a dispute regarding the amount of the
damage: - ANSWER>>Appraisal
The intentional misrepresentation of a material fact that may void a contract? -
ANSWER>>Fraud
What is the type of negotiation that is also sometimes called positional or hard-
bargaining? - ANSWER>>Distributive
An event that results in an insured loss and damages? - ANSWER>>Occurrence
What is the period a policy is in force, from the beginning or effective date? -
ANSWER>>Policy Period
The amount the insured must pay in a loss before any payment is due? -
ANSWER>>Deductible
The insurer must review the claim and accept or reject within how many days? -
ANSWER>>15 calendar
Oral or written false statement that is malicious - ANSWER>>Defamation
Time requirements does the policy holder have to complete the requirements that the
insurer has requested? - ANSWER>>No requirements
Days for insurer to pay the claim - ANSWER>>5 business
Insurer must acknowledge the claim begin the investigation, and request all the
information needed in what time frame? - ANSWER>>15 Calendar days
What must an insurer provide for the declination, cancellation, or nonrenewal of an
insurance policy? - ANSWER>>Written Statement
Established in 1991 to ensure prompt payment of insurance claims? -
ANSWER>>Article 21.55
An insurer may not consider a _______ as a basis for declination? -
ANSWER>>Customer Inquiry
An insurer may refuse to renew a policy if the insurer has mailed notice of nonrenewal
