All of the following are acceptable forms of proof of financial responsibility except: A.
a copy of a liability policy; C. a copy of a binder in the required amounts; C. a Texas
Liability Insurance Card; D. a valid driver's license
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, D. Proof of financial responsibility for automobile accidents may be
demonstrated by a copy of a policy or binder of insurance or by
possession of a Texas Liability Insurance Card that identifies the insured,
insurer and other pertinent policy information.
Which one of the following persons would be considered an employee under the
laws of the state of Texas? A. An employee of an independent contractor engaged in
construction work; B. A temporary employee; C. A person employed by a residential
property owner; D. A person with no other health insurance
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B. The term employee includes a temporary employee, a person other than
an independent contractor or the employee of an independent contractor
who performs services to the insured and a trainee under the Texans Work
program. The law applies to business risks, not residential employers.
An insurer may cancel a personal automobile policy on its 12-month anniversary by
providing how many days advance notice of its intent? A. 5; B. 10; C. 20; d. 30
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D. An insurer may cancel or refuse to renew a personal automobile
insurance policy on its 12-month anniversary by providing advance notice
of at least 30 days.
When a workers compensation injury results in death of the employee, the employee's
beneficiaries are entitled to... A. a lump sum of $100,000; B. a lifetime income equal to
, 70 percent of the employee's wages; C. 75 percent of the employee's average weekly
wage; D. nothing because the employee is the only person entitled to benefits.
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C. The death benefit provided under law is 75 percent of the employee's
average weekly wage payable to the employee's beneficiary.
When an insurer assesses a surcharge on a fire or homeowners policy due to adverse
loss experience, the surcharge may not exceed what amount of the total premium? A.
5 percent; B. 10 percent; C. 15 percent; D. There is no maximum on the amount
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B. A surcharge of up to 10 percent may be added to any homeowners, fire
or farm and ranch owner's policy if the insured has filed two or more claims
in the preceding year. The claims may not be for losses caused by natural
causes or for claims that are filed but not paid by the insurer.
An insurer will consider an injured worker to have reached maximum medical
improvement when: A. the occupational disease is cured; B. two years have passed
since the date income benefits were first due; C. the condition can only be remedied
by surgery; D. three years after the time the employee notifies the insured of his or her
injury
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B. The date of maximum medical improvement is considered to be the
earlier of the date, based on medical probability, that further medical
improvement, to an injury can no longer reasonably be anticipated or 104
weeks (2-years) from the date that income benefits begin to accrue.
a copy of a liability policy; C. a copy of a binder in the required amounts; C. a Texas
Liability Insurance Card; D. a valid driver's license
Give this one a try later!
, D. Proof of financial responsibility for automobile accidents may be
demonstrated by a copy of a policy or binder of insurance or by
possession of a Texas Liability Insurance Card that identifies the insured,
insurer and other pertinent policy information.
Which one of the following persons would be considered an employee under the
laws of the state of Texas? A. An employee of an independent contractor engaged in
construction work; B. A temporary employee; C. A person employed by a residential
property owner; D. A person with no other health insurance
Give this one a try later!
B. The term employee includes a temporary employee, a person other than
an independent contractor or the employee of an independent contractor
who performs services to the insured and a trainee under the Texans Work
program. The law applies to business risks, not residential employers.
An insurer may cancel a personal automobile policy on its 12-month anniversary by
providing how many days advance notice of its intent? A. 5; B. 10; C. 20; d. 30
Give this one a try later!
D. An insurer may cancel or refuse to renew a personal automobile
insurance policy on its 12-month anniversary by providing advance notice
of at least 30 days.
When a workers compensation injury results in death of the employee, the employee's
beneficiaries are entitled to... A. a lump sum of $100,000; B. a lifetime income equal to
, 70 percent of the employee's wages; C. 75 percent of the employee's average weekly
wage; D. nothing because the employee is the only person entitled to benefits.
Give this one a try later!
C. The death benefit provided under law is 75 percent of the employee's
average weekly wage payable to the employee's beneficiary.
When an insurer assesses a surcharge on a fire or homeowners policy due to adverse
loss experience, the surcharge may not exceed what amount of the total premium? A.
5 percent; B. 10 percent; C. 15 percent; D. There is no maximum on the amount
Give this one a try later!
B. A surcharge of up to 10 percent may be added to any homeowners, fire
or farm and ranch owner's policy if the insured has filed two or more claims
in the preceding year. The claims may not be for losses caused by natural
causes or for claims that are filed but not paid by the insurer.
An insurer will consider an injured worker to have reached maximum medical
improvement when: A. the occupational disease is cured; B. two years have passed
since the date income benefits were first due; C. the condition can only be remedied
by surgery; D. three years after the time the employee notifies the insured of his or her
injury
Give this one a try later!
B. The date of maximum medical improvement is considered to be the
earlier of the date, based on medical probability, that further medical
improvement, to an injury can no longer reasonably be anticipated or 104
weeks (2-years) from the date that income benefits begin to accrue.
