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TX General Lines - Property and Casualty (Law and Regulations) Exam – With Complete Solutions (100% Correct)
TX General Lines - Property and Casualty (Law and Regulations) Exam – With Complete Solutions (100% Correct) 
TX General Lines - Property and Casualty (Law and Regulations) Exam – With Complete Solutions (100% Correct) 
 
Licensing Purpose - ANSWER - For the protection of the public of this state. 
 
Individuals must satisfy the following to be eligible to get a license: - ANSWER - -18 years of age or older 
-Resident of state 
-Passed exam and pay fees 
-Filed application and submitted a fi...
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- Exam (elaborations)
- • 9 pages •
TX General Lines - Property and Casualty (Law and Regulations) Exam – With Complete Solutions (100% Correct) 
TX General Lines - Property and Casualty (Law and Regulations) Exam – With Complete Solutions (100% Correct) 
 
Licensing Purpose - ANSWER - For the protection of the public of this state. 
 
Individuals must satisfy the following to be eligible to get a license: - ANSWER - -18 years of age or older 
-Resident of state 
-Passed exam and pay fees 
-Filed application and submitted a fi...
Property and Casualty Insurance Exam Questions and Answers Part 1 || All Questions & Answers (Graded A+)
Property and Casualty Insurance Exam Questions and Answers Part 1 || All Questions & Answers (Graded A+) 
Property and Casualty Insurance Exam Questions and Answers Part 1 || All Questions & Answers (Graded A+) 
 
Which of the following are the authorities that an agent can hold? - ANSWER - Express and implied 
 
Which of the following terms refers to such disabilities the loss of a limb, hearing , or eye sight? - ANSWER - Permanent partial disability 
 
Who is NOT considered an employee in an c...
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- Exam (elaborations)
- • 21 pages •
Property and Casualty Insurance Exam Questions and Answers Part 1 || All Questions & Answers (Graded A+) 
Property and Casualty Insurance Exam Questions and Answers Part 1 || All Questions & Answers (Graded A+) 
 
Which of the following are the authorities that an agent can hold? - ANSWER - Express and implied 
 
Which of the following terms refers to such disabilities the loss of a limb, hearing , or eye sight? - ANSWER - Permanent partial disability 
 
Who is NOT considered an employee in an c...
Texas Property & Casualty 2024 License Test || Questions & Solutions (Rated A+)
Texas Property & Casualty 2024 License Test || Questions & Solutions (Rated A+) 
Texas Property & Casualty 2024 License Test || Questions & Solutions (Rated A+) 
 
Property vs Casualty: What is considered property? - ANSWER - Structure & Personal Property 
 
Property vs Casualty: What is considered casualty? - ANSWER - Non-property losses. Legal liability to others. 3rd Party. Casualty insurance means that the policy includes liability (accountability or responsibility) coverages to help protect...
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- Exam (elaborations)
- • 47 pages •
Texas Property & Casualty 2024 License Test || Questions & Solutions (Rated A+) 
Texas Property & Casualty 2024 License Test || Questions & Solutions (Rated A+) 
 
Property vs Casualty: What is considered property? - ANSWER - Structure & Personal Property 
 
Property vs Casualty: What is considered casualty? - ANSWER - Non-property losses. Legal liability to others. 3rd Party. Casualty insurance means that the policy includes liability (accountability or responsibility) coverages to help protect...
Texas Insurance License Exam Prep P&C || All Questions & Answers (Graded A+)
Texas Insurance License Exam Prep P&C || All Questions & Answers (Graded A+) 
Texas Insurance License Exam Prep P&C || All Questions & Answers (Graded A+) 
 
What are 3 subjects an auto policy covers? - ANSWER - 1. Body 
2. The vehicle 
3. Assets 
 
Bodily Injury Types - ANSWER - Personal Injury 
Med Pay 
Uninsured Motorist 
 
No Fault Insurance - ANSWER - State stipulates that parties cannot file a claim to the other persons insurance policy unless required in excess. Instead, each party is r...
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- Exam (elaborations)
- • 23 pages •
Texas Insurance License Exam Prep P&C || All Questions & Answers (Graded A+) 
Texas Insurance License Exam Prep P&C || All Questions & Answers (Graded A+) 
 
What are 3 subjects an auto policy covers? - ANSWER - 1. Body 
2. The vehicle 
3. Assets 
 
Bodily Injury Types - ANSWER - Personal Injury 
Med Pay 
Uninsured Motorist 
 
No Fault Insurance - ANSWER - State stipulates that parties cannot file a claim to the other persons insurance policy unless required in excess. Instead, each party is r...
Texas Property and Casualty Insurance State Certification Test || Questions & All Solutions (100% Correct)
Texas Property and Casualty Insurance State Certification Test || Questions & All Solutions (100% Correct) 
Texas Property and Casualty Insurance State Certification Test || Questions & All Solutions (100% Correct) 
 
Coverage for water backup or sump pump overflow is excluded from the Dwelling Policy. However, with the purchase of the water backup and sump pump overflow endorsement, coverage for up to $5,000 in loss or damage can be provided for an additional premium. What is the deductible ass...
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- Exam (elaborations)
- • 13 pages •
Texas Property and Casualty Insurance State Certification Test || Questions & All Solutions (100% Correct) 
Texas Property and Casualty Insurance State Certification Test || Questions & All Solutions (100% Correct) 
 
Coverage for water backup or sump pump overflow is excluded from the Dwelling Policy. However, with the purchase of the water backup and sump pump overflow endorsement, coverage for up to $5,000 in loss or damage can be provided for an additional premium. What is the deductible ass...
Texas Property and Casualty Insurance Policies (State Licensing Test) || All Questions & Answers (100% Expert Verified)
Texas Property and Casualty Insurance Policies (State Licensing Test) || All Questions & Answers (100% Expert Verified) 
Texas Property and Casualty Insurance Policies (State Licensing Test) || All Questions & Answers (100% Expert Verified) 
 
The businessowners policy liability coverage will pay for necessary medical expenses of others within what maximum time period? - ANSWER - 1 Year 
 
Which of the following covers a carrier for liability for loss to cargo while it is being transported in a ...
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- Exam (elaborations)
- • 7 pages •
Texas Property and Casualty Insurance Policies (State Licensing Test) || All Questions & Answers (100% Expert Verified) 
Texas Property and Casualty Insurance Policies (State Licensing Test) || All Questions & Answers (100% Expert Verified) 
 
The businessowners policy liability coverage will pay for necessary medical expenses of others within what maximum time period? - ANSWER - 1 Year 
 
Which of the following covers a carrier for liability for loss to cargo while it is being transported in a ...
Texas Property & Casualty Insurance Test – Questions & All Answers 100% Correct (Rated A+)
Texas Property & Casualty Insurance Test – Questions & All Answers 100% Correct (Rated A+) 
Texas Property & Casualty Insurance Test – Questions & All Answers 100% Correct (Rated A+) 
 
Which part of an insurance policy describes the responsibilities and obligations of both the insurance company and the insured under the policy? - ANSWER - Conditions 
 
The limits of liability are found in which of the following sections of a casualty policy? - ANSWER - Declarations 
 
The _____ page in an i...
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- Exam (elaborations)
- • 32 pages •
Texas Property & Casualty Insurance Test – Questions & All Answers 100% Correct (Rated A+) 
Texas Property & Casualty Insurance Test – Questions & All Answers 100% Correct (Rated A+) 
 
Which part of an insurance policy describes the responsibilities and obligations of both the insurance company and the insured under the policy? - ANSWER - Conditions 
 
The limits of liability are found in which of the following sections of a casualty policy? - ANSWER - Declarations 
 
The _____ page in an i...
Texas Property and Casualty State Licensing Exam (2024) – Questions & Answers (Graded A+)
Texas Property and Casualty State Licensing Exam (2024) – Questions & Answers (Graded A+) 
Texas Property and Casualty State Licensing Exam (2024) – Questions & Answers (Graded A+) 
 
____ is uncertainty of loss - ANSWER - risk 
 
____ is a transfer of risk from the insured to the insurer - ANSWER - insurance 
 
____ risk means there is no chance of gain. It is insurable. - ANSWER - pure 
 
____ risk means there is a chance of a loss or a gain. It is not insurable. - ANSWER - speculative 
 
...
- Package deal
- Exam (elaborations)
- • 27 pages •
Texas Property and Casualty State Licensing Exam (2024) – Questions & Answers (Graded A+) 
Texas Property and Casualty State Licensing Exam (2024) – Questions & Answers (Graded A+) 
 
____ is uncertainty of loss - ANSWER - risk 
 
____ is a transfer of risk from the insured to the insurer - ANSWER - insurance 
 
____ risk means there is no chance of gain. It is insurable. - ANSWER - pure 
 
____ risk means there is a chance of a loss or a gain. It is not insurable. - ANSWER - speculative 
 
...
Texas Property & Casualty Insurance State License Exam || Questions & Solutions 100% Correct
Texas Property & Casualty Insurance State License Exam || Questions & Solutions 100% Correct 
Texas Property & Casualty Insurance State License Exam || Questions & Solutions 100% Correct 
 
A condition or situation that presents a possibility of loss is a (an): - ANSWER - exposure 
 
The purpose of insurance is to: - ANSWER - transfer risk 
 
Which hazard can be described as a careless attitude or general indifference on the part of the insured toward the occurrence of loss? - ANSWER - morale 
 ...
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- Exam (elaborations)
- • 29 pages •
Texas Property & Casualty Insurance State License Exam || Questions & Solutions 100% Correct 
Texas Property & Casualty Insurance State License Exam || Questions & Solutions 100% Correct 
 
A condition or situation that presents a possibility of loss is a (an): - ANSWER - exposure 
 
The purpose of insurance is to: - ANSWER - transfer risk 
 
Which hazard can be described as a careless attitude or general indifference on the part of the insured toward the occurrence of loss? - ANSWER - morale 
 ...
Texas Property & Casualty License Exam || Questions & Answers (100% Verified)
Texas Property & Casualty License Exam || Questions & Answers (100% Verified) 
Texas Property & Casualty License Exam || Questions & Answers (100% Verified) 
 
Property vs Casualty: What is considered property? - ANSWER - Structure & Personal Property 
 
Property vs Casualty: What is considered casualty? - ANSWER - Non-property losses. Legal liability to others. 3rd Party 
 
Risk - ANSWER - uncertainty of financial loss 
 
Pure Risk - ANSWER - Chance of Loss 
 
Speculative Risk - ANSWER - Chance...
- Package deal
- Exam (elaborations)
- • 9 pages •
Texas Property & Casualty License Exam || Questions & Answers (100% Verified) 
Texas Property & Casualty License Exam || Questions & Answers (100% Verified) 
 
Property vs Casualty: What is considered property? - ANSWER - Structure & Personal Property 
 
Property vs Casualty: What is considered casualty? - ANSWER - Non-property losses. Legal liability to others. 3rd Party 
 
Risk - ANSWER - uncertainty of financial loss 
 
Pure Risk - ANSWER - Chance of Loss 
 
Speculative Risk - ANSWER - Chance...