TX ADJUSTER ACTUAL TEST PAPER 2026
QUESTIONS WITH SOLUTIONS GRADED A+
◉Which of the following statements best describes an inland marine
policy?. Answer: Pertains to Cargo with no fixed location
◉Alex is traveling through College Station and hits a deer, and the
damages are $1500. He has comprehensive coverage with a $500
deductible. What will you pay?. Answer: $1000
◉This department is responsible for making rates and determines
the rates charged by the insurer. Answer: Actuarial department
◉Johnny has 30/60/25 limits on his auto policy, and he negligently
ran into a parked car driven by Steve Garcia. What is the maximum
amount of coverage that can be provided for the damage to Steve's
car?. Answer: 25,000
◉Your customer has HO-B homeowners policy with a Coverage A
limit os $300,000. His mortgage payment is $1,400 per month. He
can't stay in his home for 1 month due to a claim that was caused by
smoke. He is staying in a local hotel for 1 month. The cost of the
,hotel is $900 for the moth. How much will you pay your policyholder
for Additional Living Expenses. Answer: $900
◉Insurance for ocean vessels is the ______ type of insurance?.
Answer: oldest
◉Your insured has a homeowners policy with a Coverage A limit of
$50,000, His coverage B limit is $20,000. His deductible is 1%. He
has 30 trees that are damaged during the fire. How much are you
going to pay on his claim?. Answer: 2500
◉If you have a covered loss, in excess of a limit, you can apply that
excess towards the deductible. This best describes?. Answer:
Absorbing the deductible
◉What type of contract exists when the insurance policy is valid
even though there is an unequal exchange?. Answer: Aleatory
Contract
◉What is the intentional or unintentional impression by the
insurance company that a certain fact exists when it does not?.
Answer: Estoppel
◉An event that results in an insured loss / damages.. Answer:
Occurrence
, ◉Joseph ross owns a 2014 Toyota Avalon. while at the mall
shopping, someone hit his car and left a big dent on the right side of
his car. He does not know who hit his car, and there are no witnesses
to this accident. What type of insurance protection does he need to
protect him from financial loss in this situation. Answer:
Comprehensive
◉Morris has a Texas Dwelling policy on his property. His property
burns down in a fire. He claims that he has also sustained a financial
loss because he is not able to rent the property to his tenants. What
can you tell him?. Answer: He has coverage for loss of fair Rental
Value
◉Method of dispute resolution that occurs when there is a dispute
regarding whether or not something is covered under the policy.
Answer: Arbitration
◉A customer claims he tripped on a stair in John's Art Gallery and
broke his leg. The only way the customer will have a successful claim
against John's insurance is?. Answer: John must be found legally
liable for the incident
◉Janet thompson works for universal insurance company of Texas.
She is involved in a work related accident in the supply room. She
immediately notifies her supervisor about the accident. Universal
QUESTIONS WITH SOLUTIONS GRADED A+
◉Which of the following statements best describes an inland marine
policy?. Answer: Pertains to Cargo with no fixed location
◉Alex is traveling through College Station and hits a deer, and the
damages are $1500. He has comprehensive coverage with a $500
deductible. What will you pay?. Answer: $1000
◉This department is responsible for making rates and determines
the rates charged by the insurer. Answer: Actuarial department
◉Johnny has 30/60/25 limits on his auto policy, and he negligently
ran into a parked car driven by Steve Garcia. What is the maximum
amount of coverage that can be provided for the damage to Steve's
car?. Answer: 25,000
◉Your customer has HO-B homeowners policy with a Coverage A
limit os $300,000. His mortgage payment is $1,400 per month. He
can't stay in his home for 1 month due to a claim that was caused by
smoke. He is staying in a local hotel for 1 month. The cost of the
,hotel is $900 for the moth. How much will you pay your policyholder
for Additional Living Expenses. Answer: $900
◉Insurance for ocean vessels is the ______ type of insurance?.
Answer: oldest
◉Your insured has a homeowners policy with a Coverage A limit of
$50,000, His coverage B limit is $20,000. His deductible is 1%. He
has 30 trees that are damaged during the fire. How much are you
going to pay on his claim?. Answer: 2500
◉If you have a covered loss, in excess of a limit, you can apply that
excess towards the deductible. This best describes?. Answer:
Absorbing the deductible
◉What type of contract exists when the insurance policy is valid
even though there is an unequal exchange?. Answer: Aleatory
Contract
◉What is the intentional or unintentional impression by the
insurance company that a certain fact exists when it does not?.
Answer: Estoppel
◉An event that results in an insured loss / damages.. Answer:
Occurrence
, ◉Joseph ross owns a 2014 Toyota Avalon. while at the mall
shopping, someone hit his car and left a big dent on the right side of
his car. He does not know who hit his car, and there are no witnesses
to this accident. What type of insurance protection does he need to
protect him from financial loss in this situation. Answer:
Comprehensive
◉Morris has a Texas Dwelling policy on his property. His property
burns down in a fire. He claims that he has also sustained a financial
loss because he is not able to rent the property to his tenants. What
can you tell him?. Answer: He has coverage for loss of fair Rental
Value
◉Method of dispute resolution that occurs when there is a dispute
regarding whether or not something is covered under the policy.
Answer: Arbitration
◉A customer claims he tripped on a stair in John's Art Gallery and
broke his leg. The only way the customer will have a successful claim
against John's insurance is?. Answer: John must be found legally
liable for the incident
◉Janet thompson works for universal insurance company of Texas.
She is involved in a work related accident in the supply room. She
immediately notifies her supervisor about the accident. Universal
