CLAIMS ADJUSTER EXAM 2025
QUESTIONS AND ANSWERS
Multi Peril-Package - ANS Any policy which provides property & liability coverage (not
homeowner)
ISO policy - ANS Sold in Texas, but not Texas form
Only Texas DP 1 - ANS Mainly the only TDP sold, now with plethora of endorsements
Texas Standard Fire Policy - ANS Granddaddy of all Texas property policies
Business auto coverage e.g. - ANS Owner of a taxi to cover collision damage
Inland Marine (build milk policy) would cover e.g. - ANS 3k gallons of milk in tanker truck
Texas Standard, Standard Fire & Business Owner - ANS Would all cover damage to something
like a gift card shop fire
Tx Personal Auto Policy e.g. - ANS Owner of family far, for potential injury to other people
Trucker's policy - ANS Trucking company, for potential damage to other people's trailers
which the trucking company may be pulling
1 Copyright ©2025 BRAINBARTER ALL RIGHTS RESERVED
, Actual Cash Value (ACV) - ANS Replacement cost less depreciation
Garage Liability e.g. - ANS For valet parking service to have appropriate liability coverage it
needs what kind of policy?
Flood, workers comp, crop, costal wind among others - ANS Types of casualty claims I will be
unable to handle under license I'm studying for
Ocean Marine Hull coverage - ANS Would have to be written for an insured to cover
potential collision damage to insured's ship
Covered (if it's not written) - ANS It's safe to assume that if something is not excluded in
writing it's appropriate to assume that the loss is?
15/15/5 rule - ANS 15 calendar days to send notice you received claim
15 business days to resolve case
5 days to pay claim (if applicable)
Options for High Risk Drivers? - ANS Texas started TAIPA
Risk pool
Minus PIP ($2,500)
Uninsured/underinsured motorist coverage - ANS What does TAIPA provide?
When can you get TAIPA - ANS Once you've been rejected by 2 or more insurance companies
Commercial General Liability coverage - ANS Covers basically any risk imaginable that would
"cause" bodily injury or property damage
2 Copyright ©2025 BRAINBARTER ALL RIGHTS RESERVED
QUESTIONS AND ANSWERS
Multi Peril-Package - ANS Any policy which provides property & liability coverage (not
homeowner)
ISO policy - ANS Sold in Texas, but not Texas form
Only Texas DP 1 - ANS Mainly the only TDP sold, now with plethora of endorsements
Texas Standard Fire Policy - ANS Granddaddy of all Texas property policies
Business auto coverage e.g. - ANS Owner of a taxi to cover collision damage
Inland Marine (build milk policy) would cover e.g. - ANS 3k gallons of milk in tanker truck
Texas Standard, Standard Fire & Business Owner - ANS Would all cover damage to something
like a gift card shop fire
Tx Personal Auto Policy e.g. - ANS Owner of family far, for potential injury to other people
Trucker's policy - ANS Trucking company, for potential damage to other people's trailers
which the trucking company may be pulling
1 Copyright ©2025 BRAINBARTER ALL RIGHTS RESERVED
, Actual Cash Value (ACV) - ANS Replacement cost less depreciation
Garage Liability e.g. - ANS For valet parking service to have appropriate liability coverage it
needs what kind of policy?
Flood, workers comp, crop, costal wind among others - ANS Types of casualty claims I will be
unable to handle under license I'm studying for
Ocean Marine Hull coverage - ANS Would have to be written for an insured to cover
potential collision damage to insured's ship
Covered (if it's not written) - ANS It's safe to assume that if something is not excluded in
writing it's appropriate to assume that the loss is?
15/15/5 rule - ANS 15 calendar days to send notice you received claim
15 business days to resolve case
5 days to pay claim (if applicable)
Options for High Risk Drivers? - ANS Texas started TAIPA
Risk pool
Minus PIP ($2,500)
Uninsured/underinsured motorist coverage - ANS What does TAIPA provide?
When can you get TAIPA - ANS Once you've been rejected by 2 or more insurance companies
Commercial General Liability coverage - ANS Covers basically any risk imaginable that would
"cause" bodily injury or property damage
2 Copyright ©2025 BRAINBARTER ALL RIGHTS RESERVED
