Page 1 of 76
TEXAS ALL LINES ADJUSTER EXAM LATEST VERSION
OVER 200+ QUESTIONS AND ACCURATE ANSWERS
VERIFIED 100% ASSURED SUCCESS GRADED A+
NEWEST!!!!
All of the following are criteria for an accident to have occurred
"in the course of" the employment under a workers'
compensation policy, EXCEPT:
ANSWERS: While performing a task that a fellow worker
requested, that was unusual to the employee's job description,
but occurred on the employer's premises during working hours.
Which of the following statements is NOT TRUE regarding the
implied warranties of an Ocean Marine policy?
ANSWERS: The implied warranties are attached to the policy as
an endorsement..
An independent adjuster acts on behalf of his or her principal.
Which of the following is the principal for an independent
adjuster?
ANSWERS: The insurer.
Jerry is fishing from his 22-foot boat on Lake Norman when he
is caught in a sudden hail storm. His boat suffers extensive hail
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damage. When he files a claim against his Homeowners policy,
the most likely reason his claim is denied because:
ANSWERS: The boat was not fully enclosed inside a building
during the hail storm.
A new home that cost $500,000 to build, would need which of
the following coverage amounts under a Homeowners policy
for the insured to receive full replacement cost coverage in the
event of a $50,000 fire loss?
ANSWERS: $400,000.
Coverage for all reasonable expenses incurred by an insured in
order to continue as nearly as practicable the normal operation
of his/her business after a loss is:
ANSWERS: Extra Expense Coverage
The insured has her fur coat specifically covered under a
Personal Articles policy. It has been stored in a plastic garment
bag in her closet during the summer months. She decides to
take the coat out and hang it outside to freshen up. The next
door neighbor's dog sees the coat and attacks it and ruins the
garment. The insurer will:
ANSWERS: Pay the claim because the loss is not excluded
There are several different Commercial Property coverage
forms that can be added to a Commercial Package policy.
Which of the following is NOT described on a Commercial
Property coverage form?
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ANSWERS: The number of buildings the insured owns that are
not covered by the policy..
All of the following statements are TRUE regarding the standard
Businessowners policy coverage extension for "Business
Personal Property Temporarily in Portable Storage Units",
EXCEPT:
ANSWERS: The coverage is provided for rented storage units
away from the insured premises.
Parmelia is covered under two separate standardized Personal
Automobile policies, with Part C limits under both policies set at
$200,000. Parmelia is involved in an accident with an uninsured
motorist and she sustains bodily injury damages for $262,320.
How much will Parmelia receive when she submits a claim for
these damages
ANSWERS: $200,000
Which of the following endorsements must be attached to a
standard Businessowners policy for coverage to apply to a
businesses freezer that was damaged by the interruption of a
power source
Utility Services - Direct Damage endorsement.
Which of the following would be covered under the Jones Act?
ANSWERS: Crew members of a ship.
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All of the following statements are true regarding a Personal
Liability Supplement, EXCEPT:
ANSWERS: The policy will cover watercraft liability.
Which of the following statements is TRUE regarding
Commercial Property coverage?
ANSWERS: Commercial property coverage can be written as
both a monoline policy and as part of a package policy.
What type of insurance is usually provided or subsidized by the
state or federal government because it is not ordinarily
available from private insurers?
ANSWERS: Residual market insurance.
The optional coverage for "Employee Dishonesty" under a
standard Businessowners policy provides a "discovery period"
for the insured to discover the dishonest act and have coverage
still apply. Which of the following statements best describes the
"discovery period" for this optional coverage?
ANSWERS: The "discovery period" is one year from the end of
the policy period.
Which of the following would be considered an Unfair Claim
Settlement Practice?
ANSWERS: Failing to deny coverage of a claim within a
reasonable amount of time after concluding the investigation
Which of the following is TRUE regarding the DP-2 Broad Form
coverage for "artificially generated electrical current"?
TEXAS ALL LINES ADJUSTER EXAM LATEST VERSION
OVER 200+ QUESTIONS AND ACCURATE ANSWERS
VERIFIED 100% ASSURED SUCCESS GRADED A+
NEWEST!!!!
All of the following are criteria for an accident to have occurred
"in the course of" the employment under a workers'
compensation policy, EXCEPT:
ANSWERS: While performing a task that a fellow worker
requested, that was unusual to the employee's job description,
but occurred on the employer's premises during working hours.
Which of the following statements is NOT TRUE regarding the
implied warranties of an Ocean Marine policy?
ANSWERS: The implied warranties are attached to the policy as
an endorsement..
An independent adjuster acts on behalf of his or her principal.
Which of the following is the principal for an independent
adjuster?
ANSWERS: The insurer.
Jerry is fishing from his 22-foot boat on Lake Norman when he
is caught in a sudden hail storm. His boat suffers extensive hail
, Page 2 of 76
damage. When he files a claim against his Homeowners policy,
the most likely reason his claim is denied because:
ANSWERS: The boat was not fully enclosed inside a building
during the hail storm.
A new home that cost $500,000 to build, would need which of
the following coverage amounts under a Homeowners policy
for the insured to receive full replacement cost coverage in the
event of a $50,000 fire loss?
ANSWERS: $400,000.
Coverage for all reasonable expenses incurred by an insured in
order to continue as nearly as practicable the normal operation
of his/her business after a loss is:
ANSWERS: Extra Expense Coverage
The insured has her fur coat specifically covered under a
Personal Articles policy. It has been stored in a plastic garment
bag in her closet during the summer months. She decides to
take the coat out and hang it outside to freshen up. The next
door neighbor's dog sees the coat and attacks it and ruins the
garment. The insurer will:
ANSWERS: Pay the claim because the loss is not excluded
There are several different Commercial Property coverage
forms that can be added to a Commercial Package policy.
Which of the following is NOT described on a Commercial
Property coverage form?
, Page 3 of 76
ANSWERS: The number of buildings the insured owns that are
not covered by the policy..
All of the following statements are TRUE regarding the standard
Businessowners policy coverage extension for "Business
Personal Property Temporarily in Portable Storage Units",
EXCEPT:
ANSWERS: The coverage is provided for rented storage units
away from the insured premises.
Parmelia is covered under two separate standardized Personal
Automobile policies, with Part C limits under both policies set at
$200,000. Parmelia is involved in an accident with an uninsured
motorist and she sustains bodily injury damages for $262,320.
How much will Parmelia receive when she submits a claim for
these damages
ANSWERS: $200,000
Which of the following endorsements must be attached to a
standard Businessowners policy for coverage to apply to a
businesses freezer that was damaged by the interruption of a
power source
Utility Services - Direct Damage endorsement.
Which of the following would be covered under the Jones Act?
ANSWERS: Crew members of a ship.
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All of the following statements are true regarding a Personal
Liability Supplement, EXCEPT:
ANSWERS: The policy will cover watercraft liability.
Which of the following statements is TRUE regarding
Commercial Property coverage?
ANSWERS: Commercial property coverage can be written as
both a monoline policy and as part of a package policy.
What type of insurance is usually provided or subsidized by the
state or federal government because it is not ordinarily
available from private insurers?
ANSWERS: Residual market insurance.
The optional coverage for "Employee Dishonesty" under a
standard Businessowners policy provides a "discovery period"
for the insured to discover the dishonest act and have coverage
still apply. Which of the following statements best describes the
"discovery period" for this optional coverage?
ANSWERS: The "discovery period" is one year from the end of
the policy period.
Which of the following would be considered an Unfair Claim
Settlement Practice?
ANSWERS: Failing to deny coverage of a claim within a
reasonable amount of time after concluding the investigation
Which of the following is TRUE regarding the DP-2 Broad Form
coverage for "artificially generated electrical current"?
