TEXAS ADJUSTER EXAM QUESTIONS AND CORRECT ANSWERS

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TEXAS ADJUSTER EXAM QUESTIONS AND CORRECT ANSWERS

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TEXAS ADJUSTER EXAM QUESTIONS AND CORRECT ANSWERS

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TEXAS ADJUSTER EXAM QUESTIONS
AND CORRECT ANSWERS

IfA2anA2automobileA2policyA2hasA2splitA2limitsA2ofA230/60/25.A2WhatA2isA2theA2maximumA2a
mountA2ofA2liabilityA2coverageA2thatA2wouldA2beA2paidA2inA2aA2coveredA2lossA2whereA2three
A2peopleA2areA2involved.A2-A2Ans--$30,000

WhichA2ofA2theA2followingA2statementsA2bestA2describesA2anA2inlandA2marineA2policy?A2-
A2Ans--PertainsA2toA2CargoA2withA2noA2fixedA2location

AlexA2isA2travelingA2throughA2CollegeA2StationA2andA2hitsA2aA2deer,A2andA2theA2damagesA2
areA2$1500.A2HeA2hasA2comprehensiveA2coverageA2withA2aA2$500A2deductible.A2WhatA2wi
llA2youA2pay?A2-A2Ans--$1000

ThisA2departmentA2isA2responsibleA2forA2makingA2ratesA2andA2determinesA2theA2ratesA2ch
argedA2byA2theA2insurerA2-A2Ans--ActuarialA2department

JohnnyA2hasA230/60/25A2limitsA2onA2hisA2autoA2policy,A2andA2heA2negligentlyA2ranA2intoA2a
A2parkedA2carA2drivenA2byA2SteveA2Garcia.A2WhatA2isA2theA2maximumA2amountA2ofA2cover
ageA2thatA2canA2beA2providedA2forA2theA2damageA2toA2Steve'sA2car?A2-A2Ans--25,000

YourA2customerA2hasA2HO-
BA2homeownersA2policyA2withA2aA2CoverageA2AA2limitA2osA2$300,000.A2HisA2mortgageA2pa
ymentA2isA2$1,400A2perA2month.A2HeA2can'tA2stayA2inA2hisA2homeA2forA21A2monthA2dueA2toA
2aA2claimA2thatA2wasA2causedA2byA2smoke.A2HeA2isA2stayingA2inA2aA2localA2hotelA2forA21A2m
onth.A2TheA2costA2ofA2theA2hotelA2isA2$900A2forA2theA2moth.A2HowA2muchA2willA2youA2payA2
yourA2policyholderA2forA2AdditionalA2LivingA2ExpensesA2-A2Ans--$900

InsuranceA2forA2oceanA2vesselsA2isA2theA2______A2typeA2ofA2insurance?A2-A2Ans--oldest

YourA2insuredA2hasA2aA2homeownersA2policyA2withA2aA2CoverageA2AA2limitA2ofA2$50,000,A2
HisA2coverageA2BA2limitA2isA2$20,000.A2HisA2deductibleA2isA21%.A2HeA2hasA230A2treesA2that
A2areA2damagedA2duringA2theA2fire.A2HowA2muchA2areA2youA2goingA2toA2payA2onA2hisA2clai
m?A2-A2Ans--2500

IfA2youA2haveA2aA2coveredA2loss,A2inA2excessA2ofA2aA2limit,A2youA2canA2applyA2thatA2excess
A2towardsA2theA2deductible.A2ThisA2bestA2describes?A2-A2Ans--AbsorbingA2theA2deductible

WhatA2typeA2ofA2contractA2existsA2whenA2theA2insuranceA2policyA2isA2validA2evenA2thoughA
2thereA2isA2anA2unequalA2exchange?A2-A2Ans--AleatoryA2Contract

WhatA2isA2theA2intentionalA2orA2unintentionalA2impressionA2byA2theA2insuranceA2companyA
2thatA2aA2certainA2factA2existsA2whenA2itA2doesA2not?A2-A2Ans--Estoppel

, AnA2eventA2thatA2resultsA2inA2anA2insuredA2lossA2/A2damages.A2-A2Ans--Occurrence

JosephA2rossA2ownsA2aA22014A2ToyotaA2Avalon.A2whileA2atA2theA2mallA2shopping,A2someo
neA2hitA2hisA2carA2andA2leftA2aA2bigA2dentA2onA2theA2rightA2sideA2ofA2hisA2car.A2HeA2doesA2n
otA2knowA2whoA2hitA2hisA2car,A2andA2thereA2areA2noA2witnessesA2toA2thisA2accident.A2WhatA
2typeA2ofA2insuranceA2protectionA2doesA2heA2needA2toA2protectA2himA2fromA2financialA2loss
A2inA2thisA2situationA2-A2Ans--Comprehensive

MorrisA2hasA2aA2TexasA2DwellingA2policyA2onA2hisA2property.A2HisA2propertyA2burnsA2down
A2inA2aA2fire.A2HeA2claimsA2thatA2heA2hasA2alsoA2sustainedA2aA2financialA2lossA2becauseA2h
eA2isA2notA2ableA2toA2rentA2theA2propertyA2toA2hisA2tenants.A2WhatA2canA2youA2tellA2him?A2-
A2Ans--HeA2hasA2coverageA2forA2lossA2ofA2fairA2RentalA2Value

MethodA2ofA2disputeA2resolutionA2thatA2occursA2whenA2thereA2isA2aA2disputeA2regardingA2
whetherA2orA2notA2somethingA2isA2coveredA2underA2theA2policyA2-A2Ans--Arbitration

AA2customerA2claimsA2heA2trippedA2onA2aA2stairA2inA2John'sA2ArtA2GalleryA2andA2brokeA2his
A2leg.A2TheA2onlyA2wayA2theA2customerA2willA2haveA2aA2successfulA2claimA2againstA2John's
A2insuranceA2is?A2-A2Ans--JohnA2mustA2beA2foundA2legallyA2liableA2forA2theA2incident

JanetA2thompsonA2worksA2forA2universalA2insuranceA2companyA2ofA2Texas.A2SheA2isA2inv
olvedA2inA2aA2workA2relatedA2accidentA2inA2theA2supplyA2room.A2SheA2immediatelyA2notifie
sA2herA2supervisorA2aboutA2theA2accident.A2UniversalA2insuranceA2companyA2mustA2report
A2theA2injuriesA2withinA2howA2manyA2daysA2ofA2beingA2notifiedA2ofA2theA2injury?A2-A2Ans--
8A2days

ProvisionsA2inA2anA2insuranceA2policyA2thatA2indicatesA2whatA2isA2notA2covered?A2-A2Ans--
Exclusions

AsA2aA2publicA2administratorA2youA2wantA2toA2getA2insuranceA2forA2yourA2county'sA2bridges
A2andA2tunnels.A2WhatA2kindA2ofA2policyA2wouldA2youA2lookA2for?A2-A2Ans--InlandA2Marine

LewisA2hasA2aA2TexasA2dwellingA2policyA2onA2hisA2propertyA2inA2LewisvilleA2Texas.A2HisA2t
enantA2calledA2himA2toA2tellA2himA2thatA2theA2propertyA2wasA2brokeA2intoA2andA2allA2ofA2hisA
2contentsA2wereA2stolen.A2LewisA2filesA2aA2claimA2forA2hisA2tenant'sA2stolenA2contents.A2W
hatA2doA2youA2tellA2LewisA2aboutA2hisA2claim?A2-A2Ans--
TheA2contentsA2areA2coveredA2upA2toA210%A2ofA2theA2CoverageA2BA2limitA2ofA2liability.

IsA2theA2sizeA2ofA2aA2loss,A2theA2extentA2ofA2damagesA2-A2Ans--Severity

WhatA2isA2theA2intentionalA2relinquishmentA2ofA2aA2knownA2rightA2byA2theA2insuranceA2com
panyA2orA2agentA2uponA2whichA2theA2insuredA2reliesA2-A2Ans--Wavier

YouA2haveA2concludedA2yourA2claimA2investigationA2andA2calledA2yourA2policyholderA2toA2
discussA2theA2settlementA2ofA2theirA2claim.A2HowA2longA2doA2youA2haveA2toA2makeA2paym
entA2toA2yourA2policyholder?A2-A2Ans--5A2CalendarA2days

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Uploaded on: February 5, 2026
Number of pages: 9
Written in: 2025/2026
Type: Exam (elaborations)
Contains: Questions & answers

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