TEXAS PROPERTY AND CASUALTY
LICENSE TEST 2025 NEWEST EXAM
COMPLETE QUESTIONS WITH
DETAILED VERIFIED ANSWERS (100%
CORRECT ANSWERS) /A+ STUDY
MATERIAL
What is the most common casualty coverage? -
....ANSWER...Liability (3rd party)
What is the definition of liability? -
....ANSWER...Individual or organizations maybe held
responsible for action resulting in bodily injury or property
damage to others.
What are the two types of liability? -
....ANSWER...Criminal & Civil
What is a tort? - ....ANSWER...A civil wrong
1
,Direct Liability - ....ANSWER...Insured is the wrongdoer
(Tortfeasor)
Vicarious Liability - ....ANSWER...Insured is responsible
for the actions of the wrongdoer
Contractual Liability - ....ANSWER...Insured assumes
another's liability under a written agreement
2
, Absolute Liability - ....ANSWER...Liability without fault
(Child drowns in pool)
Strict Liability - ....ANSWER...Product defect claims
Negligence - ....ANSWER...Failure to do or not to do
something that ordinarily should be or not be done that
results in a loss
Legal Duty - ....ANSWER...Owe an obligation to act or
not act
Breach of Duty - ....ANSWER...Failure to comply with a
duty
Actual Loss - ....ANSWER...Another suffers a loss
Proximate Cause (Regarding Duties) -
....ANSWER...Breach of duty is the direct cause of loss
3
LICENSE TEST 2025 NEWEST EXAM
COMPLETE QUESTIONS WITH
DETAILED VERIFIED ANSWERS (100%
CORRECT ANSWERS) /A+ STUDY
MATERIAL
What is the most common casualty coverage? -
....ANSWER...Liability (3rd party)
What is the definition of liability? -
....ANSWER...Individual or organizations maybe held
responsible for action resulting in bodily injury or property
damage to others.
What are the two types of liability? -
....ANSWER...Criminal & Civil
What is a tort? - ....ANSWER...A civil wrong
1
,Direct Liability - ....ANSWER...Insured is the wrongdoer
(Tortfeasor)
Vicarious Liability - ....ANSWER...Insured is responsible
for the actions of the wrongdoer
Contractual Liability - ....ANSWER...Insured assumes
another's liability under a written agreement
2
, Absolute Liability - ....ANSWER...Liability without fault
(Child drowns in pool)
Strict Liability - ....ANSWER...Product defect claims
Negligence - ....ANSWER...Failure to do or not to do
something that ordinarily should be or not be done that
results in a loss
Legal Duty - ....ANSWER...Owe an obligation to act or
not act
Breach of Duty - ....ANSWER...Failure to comply with a
duty
Actual Loss - ....ANSWER...Another suffers a loss
Proximate Cause (Regarding Duties) -
....ANSWER...Breach of duty is the direct cause of loss
3
