TEXAS ALL LINES ADJUSTER 2026 QUESTIONS AND
ANSWERS SURE A+
✔✔What methods are used to control medical cost in Workers Comp ? - ✔✔Preferred
Medical Provider (PPO)
Bill Audits
Utilization Reviews
Independent Medical Examination (IME)
✔✔Workers comp is under what Dual Regulations ? - ✔✔TDI - Texas Department of
Insurance
TWCC - Texas Workers Comp Commission
✔✔Are companies liable for an injury that is intentional ? - ✔✔No
✔✔What does TWCC cover based on severity ? - ✔✔Lifetime
Disability
Funeral
Death
✔✔Texas is what kind of negligent state ? - ✔✔Comparative Negligence State
✔✔If you are 50% of less liable for the auto accident, is it recoverable ? - ✔✔Yes
✔✔If you are 51% or more liable for the auto accident, is it recoverable ? - ✔✔No
✔✔What does financial responsibility mean? - ✔✔that they are able to provide
adequate resources
✔✔What is considered a form of financial responsibility ? - ✔✔Insurance
Bond
Cash
✔✔What are the minimum Texas limits ? - ✔✔30/60/25
, 30- Person (BI)
60 -Occurrence (BI)
25 - Property (PD)
✔✔Texas types of penalties for violating financial responsibility laws - ✔✔Monetary
Suspension
Impound
✔✔What are the 3 types of insurance companies classification? - ✔✔Preferred
Company - Lowest ($700)
Standard Company - Middle (30% of 1,000)
Non-Standard Company (1,300)
✔✔If you are not qualified for a certain insurance company, you are placed where ? -
✔✔Assigned Risk Pool
✔✔Standard = what ? - ✔✔Consistent from state to state
✔✔Manuscript = - ✔✔Specific needs of the state
✔✔What parts do policies consist of ? - ✔✔Declarations
Definition
Coverages
Endorsements
✔✔Endorsements - ✔✔Alterations, Change, Broaden
✔✔What is the TPAP - ✔✔Texas Personal Auto Policy
✔✔TPAP was established when? - ✔✔1992
✔✔What are the parts in a TPAP ? - ✔✔Part A - Liability Coverage (30/60/25)
Part B1 - Medical Payment Coverage (MPC)
Part B2 - Personal Injury Protection Coverage (PIP)
Part C - Uninsured Motorist (UM)
Part D1 - Comprehensive
Part D2 - Collision
✔✔What is Part A of the TPAP ? - ✔✔Liability Coverage
✔✔What is Part B1 of TPAP ? - ✔✔Medical Payment Coverage (MPC)
✔✔What is Part B2 of TPAP ? - ✔✔Personal Injury Protection Coverage (PIP)
ANSWERS SURE A+
✔✔What methods are used to control medical cost in Workers Comp ? - ✔✔Preferred
Medical Provider (PPO)
Bill Audits
Utilization Reviews
Independent Medical Examination (IME)
✔✔Workers comp is under what Dual Regulations ? - ✔✔TDI - Texas Department of
Insurance
TWCC - Texas Workers Comp Commission
✔✔Are companies liable for an injury that is intentional ? - ✔✔No
✔✔What does TWCC cover based on severity ? - ✔✔Lifetime
Disability
Funeral
Death
✔✔Texas is what kind of negligent state ? - ✔✔Comparative Negligence State
✔✔If you are 50% of less liable for the auto accident, is it recoverable ? - ✔✔Yes
✔✔If you are 51% or more liable for the auto accident, is it recoverable ? - ✔✔No
✔✔What does financial responsibility mean? - ✔✔that they are able to provide
adequate resources
✔✔What is considered a form of financial responsibility ? - ✔✔Insurance
Bond
Cash
✔✔What are the minimum Texas limits ? - ✔✔30/60/25
, 30- Person (BI)
60 -Occurrence (BI)
25 - Property (PD)
✔✔Texas types of penalties for violating financial responsibility laws - ✔✔Monetary
Suspension
Impound
✔✔What are the 3 types of insurance companies classification? - ✔✔Preferred
Company - Lowest ($700)
Standard Company - Middle (30% of 1,000)
Non-Standard Company (1,300)
✔✔If you are not qualified for a certain insurance company, you are placed where ? -
✔✔Assigned Risk Pool
✔✔Standard = what ? - ✔✔Consistent from state to state
✔✔Manuscript = - ✔✔Specific needs of the state
✔✔What parts do policies consist of ? - ✔✔Declarations
Definition
Coverages
Endorsements
✔✔Endorsements - ✔✔Alterations, Change, Broaden
✔✔What is the TPAP - ✔✔Texas Personal Auto Policy
✔✔TPAP was established when? - ✔✔1992
✔✔What are the parts in a TPAP ? - ✔✔Part A - Liability Coverage (30/60/25)
Part B1 - Medical Payment Coverage (MPC)
Part B2 - Personal Injury Protection Coverage (PIP)
Part C - Uninsured Motorist (UM)
Part D1 - Comprehensive
Part D2 - Collision
✔✔What is Part A of the TPAP ? - ✔✔Liability Coverage
✔✔What is Part B1 of TPAP ? - ✔✔Medical Payment Coverage (MPC)
✔✔What is Part B2 of TPAP ? - ✔✔Personal Injury Protection Coverage (PIP)
