Texas All Lines Adjuster Exam Latest
Questions and Verified Answers||100%
CorrectGradeA+|| 2025 Updated.
All of the following are criteria for an accident to have occurred "in the course of" the employment
under aworkers'compensationpolicy, EXCEPT: - ANSWER While performing a task that a fellow
worker requested,that wasunusual to theemployee'sjob description, but occurred on the employer's
premises during working hours.
Which of the following statements is NOT TRUEregarding the implied warranties of
an Ocean Marine
policy? - ANSWER The implied warrantiesareattachedto thepolicy asan endorsement..
Parmelia iscoveredunder two separate standardized Personal Automobile policies, with Part
C limits
under bothpolicies setat $200,000.Parmelia is involved in an accident with an uninsured motorist
and
she sustainsbodily injury damages for$262,320. Howmuch will Parmelia receive when she submits a
claim for these damages
- ANSWER $200,000
Which of the following endorsementsmust be attached to astandard Businessowners policy for
coverageto apply to a businessesfreezerthat was damagedby the interruption of a power source-
ANSWER Utility Services - Direct Damage endorsement.
After completing an inspectionof an insured'spressureequipmentand fire suppression systems, the
inspector determines that the pressure equipment needs to be repaired and
suppression
the systems
have not beencleaned and inspected in the time frame required
,by the policy. The insurer will: - ANSWER Suspendcoverageimmediatelyby red tagging the items until
they are repaired, cleaned and pass reinspection
To beeligiblefor coverageunder a standardizedDwelling policy, the insured must not allow more
than ____________________
boarders to live on the premises.
- ANSWER 5
All of the followingare"Perilsof theSea"under an Ocean Marine policy, EXCEPT: - ANSWER Pirates
The amountof insurance countersigned, issued,
or sold by anagentor producer to cover immediate
family members,an employer,or employees isknown as:- ANSWER Controlled business
Which of thefollowing standardizedDwelling insuranceforms providescoveragefor 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 passengerwho is injured in anothervehicle thatis struck by the
insured's vehicle in an accident
Which of thefollowing are theTexas Workers'Compensationbenefitsthatareincreasedby 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 acknowledgethereceiptof a claim. -
ANSWER 30 days.
All of the followingare characteristicsof a principal thata suretywill scrutinize during the underwriting
process, EXCEPT: - ANSWER Consideration.
,Under SectionII of a Homeownerspolicy, a cemeteryplot ownedby theinsured is
, consideredto be:- ANSWER An insuredlocation.
Which of thefollowing is NOT one of thefour major coveragesof an Ocean Marine policy?
- ANSWER Seaworthiness.
A ship has suffereddamageand sunk. Which of the following would respondto cover the lossof the
ship? - ANSWER Hull Insurance .
As a fiduciary agent,an adjuster hasthe power to bind the insurer.
Which of the following statements is
FALSE regarding this power?- ANSWER Only an adjuster'swritten 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
Whoseresponsibilityis it to completea "proofof loss"?- ANSWER The claimant.
Which of the following would NOT bedetermined by a courtwhen an insurerhas filed a declaratory
judgmentaction? - ANSWER The type and amountof damagesthat 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'sFurnishings? - ANSWER The coverageis not additionalinsurance anddoes not increase the
limits of the policy.
Which of thefollowing would be coveredunder the JonesAct? - ANSWER Crew members of aship.
Questions and Verified Answers||100%
CorrectGradeA+|| 2025 Updated.
All of the following are criteria for an accident to have occurred "in the course of" the employment
under aworkers'compensationpolicy, EXCEPT: - ANSWER While performing a task that a fellow
worker requested,that wasunusual to theemployee'sjob description, but occurred on the employer's
premises during working hours.
Which of the following statements is NOT TRUEregarding the implied warranties of
an Ocean Marine
policy? - ANSWER The implied warrantiesareattachedto thepolicy asan endorsement..
Parmelia iscoveredunder two separate standardized Personal Automobile policies, with Part
C limits
under bothpolicies setat $200,000.Parmelia is involved in an accident with an uninsured motorist
and
she sustainsbodily injury damages for$262,320. Howmuch will Parmelia receive when she submits a
claim for these damages
- ANSWER $200,000
Which of the following endorsementsmust be attached to astandard Businessowners policy for
coverageto apply to a businessesfreezerthat was damagedby the interruption of a power source-
ANSWER Utility Services - Direct Damage endorsement.
After completing an inspectionof an insured'spressureequipmentand fire suppression systems, the
inspector determines that the pressure equipment needs to be repaired and
suppression
the systems
have not beencleaned and inspected in the time frame required
,by the policy. The insurer will: - ANSWER Suspendcoverageimmediatelyby red tagging the items until
they are repaired, cleaned and pass reinspection
To beeligiblefor coverageunder a standardizedDwelling policy, the insured must not allow more
than ____________________
boarders to live on the premises.
- ANSWER 5
All of the followingare"Perilsof theSea"under an Ocean Marine policy, EXCEPT: - ANSWER Pirates
The amountof insurance countersigned, issued,
or sold by anagentor producer to cover immediate
family members,an employer,or employees isknown as:- ANSWER Controlled business
Which of thefollowing standardizedDwelling insuranceforms providescoveragefor 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 passengerwho is injured in anothervehicle thatis struck by the
insured's vehicle in an accident
Which of thefollowing are theTexas Workers'Compensationbenefitsthatareincreasedby 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 acknowledgethereceiptof a claim. -
ANSWER 30 days.
All of the followingare characteristicsof a principal thata suretywill scrutinize during the underwriting
process, EXCEPT: - ANSWER Consideration.
,Under SectionII of a Homeownerspolicy, a cemeteryplot ownedby theinsured is
, consideredto be:- ANSWER An insuredlocation.
Which of thefollowing is NOT one of thefour major coveragesof an Ocean Marine policy?
- ANSWER Seaworthiness.
A ship has suffereddamageand sunk. Which of the following would respondto cover the lossof the
ship? - ANSWER Hull Insurance .
As a fiduciary agent,an adjuster hasthe power to bind the insurer.
Which of the following statements is
FALSE regarding this power?- ANSWER Only an adjuster'swritten 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
Whoseresponsibilityis it to completea "proofof loss"?- ANSWER The claimant.
Which of the following would NOT bedetermined by a courtwhen an insurerhas filed a declaratory
judgmentaction? - ANSWER The type and amountof damagesthat 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'sFurnishings? - ANSWER The coverageis not additionalinsurance anddoes not increase the
limits of the policy.
Which of thefollowing would be coveredunder the JonesAct? - ANSWER Crew members of aship.
