TEXAS ALL LINES ADJUSTER EXAM BRAND NEW!!
(200+ QUESTIONS AND CORRECT ANSWERS)
VERIFIED ANSWERS
All Of The Following Are Criteria For An Accident To Have Occurred "In The Course Of" The Employment
Under A Workers' Compensation Policy, Except:
ANS>>>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?
ANS>>>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
ANS>>>$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
ANS>>>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:
,ANS>>>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.
ANS>>>5
All Of The Following Are "Perils Of The Sea" Under An Ocean Marine Policy, Except:
ANS>>>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:
ANS>>>Controlled Business
Which Of The Following Standardized Dwelling Insurance Forms Provides Coverage For Loss Of Rental
Income
ANS>>>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:
ANS>>>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)
,ANS>>>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:
ANS>>>$250 Per Day.
Surplus Lines Companies In Texas Have _____ To Acknowledge The Receipt Of A Claim.
ANS>>>30 Days.
All Of The Following Are Characteristics Of A Principal That A Surety Will Scrutinize During The
Underwriting Process, Except:
ANS>>>Consideration.
Under Section Ii Of A Homeowners Policy, A Cemetery Plot Owned By The Insured Is Considered To Be:
ANS>>>An Insured Location.
Which Of The Following Is Not One Of The Four Major Coverages Of An Ocean Marine Policy?
ANS>>>Seaworthiness.
A Ship Has Suffered Damage And Sunk. Which Of The Following Would Respond To Cover The Loss Of
The Ship?
ANS>>>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?
ANS>>>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".
ANS>>>72-Hour
Whose Responsibility Is It To Complete A "Proof Of Loss"?
ANS>>>The Claimant.
Which Of The Following Would Not Be Determined By A Court When An Insurer Has Filed A Declaratory
Judgment Action?
ANS>>>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?
ANS>>>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?
Corrct Ans>> Crew Members Of A Ship.
All Of The Following Statements Are True Regarding A Personal Liability Supplement, Except:
ANS>>>The Policy Will Cover Watercraft Liability.
(200+ QUESTIONS AND CORRECT ANSWERS)
VERIFIED ANSWERS
All Of The Following Are Criteria For An Accident To Have Occurred "In The Course Of" The Employment
Under A Workers' Compensation Policy, Except:
ANS>>>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?
ANS>>>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
ANS>>>$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
ANS>>>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:
,ANS>>>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.
ANS>>>5
All Of The Following Are "Perils Of The Sea" Under An Ocean Marine Policy, Except:
ANS>>>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:
ANS>>>Controlled Business
Which Of The Following Standardized Dwelling Insurance Forms Provides Coverage For Loss Of Rental
Income
ANS>>>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:
ANS>>>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)
,ANS>>>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:
ANS>>>$250 Per Day.
Surplus Lines Companies In Texas Have _____ To Acknowledge The Receipt Of A Claim.
ANS>>>30 Days.
All Of The Following Are Characteristics Of A Principal That A Surety Will Scrutinize During The
Underwriting Process, Except:
ANS>>>Consideration.
Under Section Ii Of A Homeowners Policy, A Cemetery Plot Owned By The Insured Is Considered To Be:
ANS>>>An Insured Location.
Which Of The Following Is Not One Of The Four Major Coverages Of An Ocean Marine Policy?
ANS>>>Seaworthiness.
A Ship Has Suffered Damage And Sunk. Which Of The Following Would Respond To Cover The Loss Of
The Ship?
ANS>>>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?
ANS>>>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".
ANS>>>72-Hour
Whose Responsibility Is It To Complete A "Proof Of Loss"?
ANS>>>The Claimant.
Which Of The Following Would Not Be Determined By A Court When An Insurer Has Filed A Declaratory
Judgment Action?
ANS>>>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?
ANS>>>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?
Corrct Ans>> Crew Members Of A Ship.
All Of The Following Statements Are True Regarding A Personal Liability Supplement, Except:
ANS>>>The Policy Will Cover Watercraft Liability.
