TEXAS ALL LINES ADJUSTER EXAM
BRAND NEW!! (200+ QUESTIONS AND
CORRECT ANSWERS) VERIFIED ANSWERS
Which of the following statements is NOT TRUE regarding the implied warranties of an
Ocean Marine policy? –
ANSWER: The implied warranties are attached to the policy as an endorsement..
Parmelia is covered under two separate standardized Personal Automobile policies, with (&*&$%^&&
#%^#$$%%^
Part C limits under both policies set at $200,000. Parmelia is involved in an accident @$
with an uninsured motorist and she sustains bodily injury damages for $262,320. How
much will Parmelia receive when she submits a claim for these damages –
ANSWER: $200,000
Which of the following endorsements must be attached to a standard Businessowners
policy for coverage to apply to a businesses freezer that was damaged by the
interruption of a power source –
ANSWER: Utility Services Direct Damage endorsement.
After completing an inspection of an insured's pressure equipment and fire suppression
systems, the inspector determines that the pressure equipment needs to be repaired
and the suppression systems have not been cleaned and inspected in the time frame
required by the policy. The insurer will:
ANSWER: Suspend coverage immediately by red tagging the items until they are
repaired, cleaned and pass reinspection
To be eligible for coverage under a standardized Dwelling policy, the insured must not
allow more than _______ boarders to live on the premises. –
ANSWER: 5
,TEXAS ALL LINES ADJUSTER EXAM
BRAND NEW!! (200+ QUESTIONS AND
CORRECT ANSWERS) VERIFIED ANSWERS
All of the following are "Perils of the Sea" under an Ocean Marine policy, EXCEPT:
ANSWER: Pirates
The amount of insurance countersigned, issued, or sold by an agent or producer to
cover immediate family members, an employer, or employees is known as:
ANSWER: Controlled business (&*&$%^&&
#%^#$$%%^
@$
Which of the following standardized Dwelling insurance forms provides coverage for
loss of rental income –
ANSWER: The DP 1, DP 2, and DP 3 forms
The "Part B Medical Payments" coverage of a personal automobile policy covers
injuries for all of the following, EXCEPT:
ANSWER: A passenger who is injured in another vehicle that is struck by the insured's
vehicle in an accident
Which of the following are the Texas Workers' Compensation benefits that are
increased by a cost of living adjustment (COLAs) –
ANSWER: Lifetime Income Benefits (LIBs) only
Hannah must take time away from work to help assist in the investigation of a claim
that was made against her BOP policy. The policy will pay for Hannah's actual loss of
earnings up to:
ANSWER: $250 per day.
Surplus Lines companies in Texas have _____ to acknowledge the receipt of a claim.
ANSWER: 30 days.
,TEXAS ALL LINES ADJUSTER EXAM
BRAND NEW!! (200+ QUESTIONS AND
CORRECT ANSWERS) VERIFIED ANSWERS
All of the following are characteristics of a principal that a surety will scrutinize during
the underwriting process, EXCEPT:
ANSWER: Consideration.
Under Section II of a Homeowners policy, a cemetery plot owned by the insured is (&*&$%^&&
#%^#$$%%^
considered to be: @$
ANSWER: An insured location.
Which of the following is NOT one of the four major coverages of an Ocean Marine
policy? –
ANSWER: Seaworthiness.
A ship has suffered damage and sunk. Which of the following would respond to cover
the loss of the ship? –
ANSWER: Hull Insurance.
As a fiduciary agent, an adjuster has the power to bind the insurer. Which of the
following statements is FALSE regarding this power? –
ANSWER: Only an adjuster's written statements can legally bind an insurer.
The standardized Dwelling forms consider all eruptions of a volcano within a
__________ period to be a single "occurrence". –
ANSWER: 72 hour
Whose responsibility is it to complete a "proof of loss"? –
ANSWER: The claimant.
, TEXAS ALL LINES ADJUSTER EXAM
BRAND NEW!! (200+ QUESTIONS AND
CORRECT ANSWERS) VERIFIED ANSWERS
Which of the following would NOT be determined by a court when an insurer has filed a
declaratory judgment action? –
ANSWER: The type and amount of damages that will be paid to a plaintiff for the claim
that is being disputed.
(&*&$%^&&
#%^#$$%%^
Which of the following statements is TRUE regarding the Homeowners "additional @$
coverage" known as Landlord's Furnishings? –
ANSWER: The coverage is not additional insurance and does not increase the limits of
the policy.
Which of the following would be covered under the Jones Act? –
ANSWER: Crew members of a ship.
All of the following statements are true regarding a Personal Liability Supplement,
EXCEPT:
ANSWER: The policy will cover watercraft liability.
Which of the following statements is TRUE regarding Commercial Property coverage? –
ANSWER: 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? –
ANSWER: Residual market insurance.
BRAND NEW!! (200+ QUESTIONS AND
CORRECT ANSWERS) VERIFIED ANSWERS
Which of the following statements is NOT TRUE regarding the implied warranties of an
Ocean Marine policy? –
ANSWER: The implied warranties are attached to the policy as an endorsement..
Parmelia is covered under two separate standardized Personal Automobile policies, with (&*&$%^&&
#%^#$$%%^
Part C limits under both policies set at $200,000. Parmelia is involved in an accident @$
with an uninsured motorist and she sustains bodily injury damages for $262,320. How
much will Parmelia receive when she submits a claim for these damages –
ANSWER: $200,000
Which of the following endorsements must be attached to a standard Businessowners
policy for coverage to apply to a businesses freezer that was damaged by the
interruption of a power source –
ANSWER: Utility Services Direct Damage endorsement.
After completing an inspection of an insured's pressure equipment and fire suppression
systems, the inspector determines that the pressure equipment needs to be repaired
and the suppression systems have not been cleaned and inspected in the time frame
required by the policy. The insurer will:
ANSWER: Suspend coverage immediately by red tagging the items until they are
repaired, cleaned and pass reinspection
To be eligible for coverage under a standardized Dwelling policy, the insured must not
allow more than _______ boarders to live on the premises. –
ANSWER: 5
,TEXAS ALL LINES ADJUSTER EXAM
BRAND NEW!! (200+ QUESTIONS AND
CORRECT ANSWERS) VERIFIED ANSWERS
All of the following are "Perils of the Sea" under an Ocean Marine policy, EXCEPT:
ANSWER: Pirates
The amount of insurance countersigned, issued, or sold by an agent or producer to
cover immediate family members, an employer, or employees is known as:
ANSWER: Controlled business (&*&$%^&&
#%^#$$%%^
@$
Which of the following standardized Dwelling insurance forms provides coverage for
loss of rental income –
ANSWER: The DP 1, DP 2, and DP 3 forms
The "Part B Medical Payments" coverage of a personal automobile policy covers
injuries for all of the following, EXCEPT:
ANSWER: A passenger who is injured in another vehicle that is struck by the insured's
vehicle in an accident
Which of the following are the Texas Workers' Compensation benefits that are
increased by a cost of living adjustment (COLAs) –
ANSWER: Lifetime Income Benefits (LIBs) only
Hannah must take time away from work to help assist in the investigation of a claim
that was made against her BOP policy. The policy will pay for Hannah's actual loss of
earnings up to:
ANSWER: $250 per day.
Surplus Lines companies in Texas have _____ to acknowledge the receipt of a claim.
ANSWER: 30 days.
,TEXAS ALL LINES ADJUSTER EXAM
BRAND NEW!! (200+ QUESTIONS AND
CORRECT ANSWERS) VERIFIED ANSWERS
All of the following are characteristics of a principal that a surety will scrutinize during
the underwriting process, EXCEPT:
ANSWER: Consideration.
Under Section II of a Homeowners policy, a cemetery plot owned by the insured is (&*&$%^&&
#%^#$$%%^
considered to be: @$
ANSWER: An insured location.
Which of the following is NOT one of the four major coverages of an Ocean Marine
policy? –
ANSWER: Seaworthiness.
A ship has suffered damage and sunk. Which of the following would respond to cover
the loss of the ship? –
ANSWER: Hull Insurance.
As a fiduciary agent, an adjuster has the power to bind the insurer. Which of the
following statements is FALSE regarding this power? –
ANSWER: Only an adjuster's written statements can legally bind an insurer.
The standardized Dwelling forms consider all eruptions of a volcano within a
__________ period to be a single "occurrence". –
ANSWER: 72 hour
Whose responsibility is it to complete a "proof of loss"? –
ANSWER: The claimant.
, TEXAS ALL LINES ADJUSTER EXAM
BRAND NEW!! (200+ QUESTIONS AND
CORRECT ANSWERS) VERIFIED ANSWERS
Which of the following would NOT be determined by a court when an insurer has filed a
declaratory judgment action? –
ANSWER: The type and amount of damages that will be paid to a plaintiff for the claim
that is being disputed.
(&*&$%^&&
#%^#$$%%^
Which of the following statements is TRUE regarding the Homeowners "additional @$
coverage" known as Landlord's Furnishings? –
ANSWER: The coverage is not additional insurance and does not increase the limits of
the policy.
Which of the following would be covered under the Jones Act? –
ANSWER: Crew members of a ship.
All of the following statements are true regarding a Personal Liability Supplement,
EXCEPT:
ANSWER: The policy will cover watercraft liability.
Which of the following statements is TRUE regarding Commercial Property coverage? –
ANSWER: 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? –
ANSWER: Residual market insurance.
