TEXAS ALL LINES ADJUSTER 2026 EXAMINERS SET
QUESTIONS AND ANSWERS SURE A+
✔✔Medical Coverage - ✔✔(Auto Insurance)
Pays for medical expenses regardless of fault when the expenses are caused by an
auto accident.
✔✔PIP: Personal Injury Protection - ✔✔(Auto Insurance)
Some states *require* this coverage. Pays for medical expenses for the insured driver,
regardless of fault, for treatment due to an accident.
✔✔Uninsured Motorist - ✔✔(Auto Insurance)
Pays for car's damages when an auto accident is caused by a driver who doesn't have
liability insurance.
✔✔Underinsured Motorist - ✔✔(Auto Insurance)
Pays for your car's damages when an auto accident is caused by someone who has
*insufficient* liability insurance.
✔✔Rental Reimbursement - ✔✔(Auto Insurance)
Will pay for a rental car if your car is damaged due to an auto accident. Usually a daily
allowance.
✔✔Homeowners Insurance - ✔✔Residential dwellings are covered under this
insurance. The structures on the property as well as personal property (trees, shrubs,
plants, lawns).
✔✔Watercraft Insurance - ✔✔This type of insurance will cover you, your spouse, or any
other household member that has permission to ride the watercraft.
Available coverages are medical payments, physical damages, uninsured boaters, and
personal effects.
✔✔Surety Bond - ✔✔Type of Insurance Bond
, Frequently used in the construction industry. The GC must provide the owner a bond for
its performance; also may provide payment bonds to ensure subs and suppliers get
paid for work done.
Contains 3 parties: Principal (primary party who will be forming contractual obligation) ,
Obligee (recipient of the obligation), Surety (ensures Principal's obligations will be
performed).
✔✔Builder's Risk Insurance - ✔✔When a building is under construction, they are
subject to risks like fire, vandalism, lightning, wind, etc. This insurance does not usually
cover flood, earthquake, or war.
✔✔Commercial Auto Insurance - ✔✔Contains liability and physical damage for
company cars. Additional coverages can be included (same as regular auto insurance).
✔✔Contractor's Insurance - ✔✔Covers the insured for bodily injury and property
damage arising from operations performed for the insured by a designated contractor.
Coverage no longer applies after the work has been completed (except for service,
maintenance, or repairs).
✔✔Inland Marine Insurance - ✔✔Compensates loss to moving or movable property; an
outgrowth of ocean marine insurance. The property is typically A) actually in transit; B)
held by a Bailee; C) at a fixed location as an instrument of transportation; D) a
moveable type of goods that is often at different locations.
✔✔Errors or Omissions Insurance - ✔✔A liability insurance that protects companies and
individuals against claims made by clients for inadequate work or negligent actions.
Often covers both court costs and settlements (up to the amount specified in contract).
✔✔Workers Compensation Insurance - ✔✔Legally required insurance for compensating
workers injured on the job.
✔✔ Punitive Damage - ✔✔Amount awarded by the court to the defendant in order to
deter them from engaging in similar conduct in the future.
✔✔Comparitive Negligence - ✔✔Partial legal defense that reduces the amount of
damages that a person can recover because their own negligence contributed to the
loss.
✔✔Contributory Negligence - ✔✔A law defense where a person's own negligence
contributed to the harm that he or she had.
✔✔Assumption of Risk - ✔✔Voluntarily and knowingly subjecting oneself to danger.
✔✔Act of God - ✔✔A natural and unavoidable catastrophe. Floods, windstorms,
hurricanes, etc.
QUESTIONS AND ANSWERS SURE A+
✔✔Medical Coverage - ✔✔(Auto Insurance)
Pays for medical expenses regardless of fault when the expenses are caused by an
auto accident.
✔✔PIP: Personal Injury Protection - ✔✔(Auto Insurance)
Some states *require* this coverage. Pays for medical expenses for the insured driver,
regardless of fault, for treatment due to an accident.
✔✔Uninsured Motorist - ✔✔(Auto Insurance)
Pays for car's damages when an auto accident is caused by a driver who doesn't have
liability insurance.
✔✔Underinsured Motorist - ✔✔(Auto Insurance)
Pays for your car's damages when an auto accident is caused by someone who has
*insufficient* liability insurance.
✔✔Rental Reimbursement - ✔✔(Auto Insurance)
Will pay for a rental car if your car is damaged due to an auto accident. Usually a daily
allowance.
✔✔Homeowners Insurance - ✔✔Residential dwellings are covered under this
insurance. The structures on the property as well as personal property (trees, shrubs,
plants, lawns).
✔✔Watercraft Insurance - ✔✔This type of insurance will cover you, your spouse, or any
other household member that has permission to ride the watercraft.
Available coverages are medical payments, physical damages, uninsured boaters, and
personal effects.
✔✔Surety Bond - ✔✔Type of Insurance Bond
, Frequently used in the construction industry. The GC must provide the owner a bond for
its performance; also may provide payment bonds to ensure subs and suppliers get
paid for work done.
Contains 3 parties: Principal (primary party who will be forming contractual obligation) ,
Obligee (recipient of the obligation), Surety (ensures Principal's obligations will be
performed).
✔✔Builder's Risk Insurance - ✔✔When a building is under construction, they are
subject to risks like fire, vandalism, lightning, wind, etc. This insurance does not usually
cover flood, earthquake, or war.
✔✔Commercial Auto Insurance - ✔✔Contains liability and physical damage for
company cars. Additional coverages can be included (same as regular auto insurance).
✔✔Contractor's Insurance - ✔✔Covers the insured for bodily injury and property
damage arising from operations performed for the insured by a designated contractor.
Coverage no longer applies after the work has been completed (except for service,
maintenance, or repairs).
✔✔Inland Marine Insurance - ✔✔Compensates loss to moving or movable property; an
outgrowth of ocean marine insurance. The property is typically A) actually in transit; B)
held by a Bailee; C) at a fixed location as an instrument of transportation; D) a
moveable type of goods that is often at different locations.
✔✔Errors or Omissions Insurance - ✔✔A liability insurance that protects companies and
individuals against claims made by clients for inadequate work or negligent actions.
Often covers both court costs and settlements (up to the amount specified in contract).
✔✔Workers Compensation Insurance - ✔✔Legally required insurance for compensating
workers injured on the job.
✔✔ Punitive Damage - ✔✔Amount awarded by the court to the defendant in order to
deter them from engaging in similar conduct in the future.
✔✔Comparitive Negligence - ✔✔Partial legal defense that reduces the amount of
damages that a person can recover because their own negligence contributed to the
loss.
✔✔Contributory Negligence - ✔✔A law defense where a person's own negligence
contributed to the harm that he or she had.
✔✔Assumption of Risk - ✔✔Voluntarily and knowingly subjecting oneself to danger.
✔✔Act of God - ✔✔A natural and unavoidable catastrophe. Floods, windstorms,
hurricanes, etc.
