TEXAS ALL LINES ADJUSTER EXAM PREP
2026 378 QUESTIONS COMPLETE
SOLUTION GUIDE 36 PAGES GRADED A+
⩥ Insured.
Answer: A person covered by an insurance policy; pays premiums in
exchange for protection
⩥ Insurer.
Answer: provides financial protection to insured
⩥ reserve.
Answer: collective premiums go in a pool or a
⩥ claimant.
Answer: after filing an claim the insured becomes the
⩥ Principle of Indemnity.
Answer: Restoration to approximate previous financial condition; no
more, no less.
⩥ agreement (acceptance and offer)
,consideration
competent parties
legal purpose.
Answer: a insurance policy is binding because it meets what 4
requirements of a legal contract
⩥ Upmost good faith.
Answer: insurance contracts assume; applicants must be honest about
the risk to the insurer
⩥ unilateral.
Answer: insurance contracts are considered
⩥ dec page
insuring agreement
conditions
exclusions.
Answer: an insurance contract has four essential parts think DICE
⩥ Dec page.
Answer: always the first part in a contract that establishes:
name (insured and insurer)
, policy #
location and description of insured item
value of insured item
dates of policy (beginning and end)
amount/limit of coverage
deductible
premium
⩥ definitions page.
Answer: defines terms used in policy and includes important language
adjuster needs to know
⩥ insuring agreement.
Answer: summarizes:
what is covered
which causes of loss are covered
any exclusions
maximum limit of coverage in dollars
⩥ conditions.
Answer: insurer specifies any limits or qualifications the policy holder
must meet
2026 378 QUESTIONS COMPLETE
SOLUTION GUIDE 36 PAGES GRADED A+
⩥ Insured.
Answer: A person covered by an insurance policy; pays premiums in
exchange for protection
⩥ Insurer.
Answer: provides financial protection to insured
⩥ reserve.
Answer: collective premiums go in a pool or a
⩥ claimant.
Answer: after filing an claim the insured becomes the
⩥ Principle of Indemnity.
Answer: Restoration to approximate previous financial condition; no
more, no less.
⩥ agreement (acceptance and offer)
,consideration
competent parties
legal purpose.
Answer: a insurance policy is binding because it meets what 4
requirements of a legal contract
⩥ Upmost good faith.
Answer: insurance contracts assume; applicants must be honest about
the risk to the insurer
⩥ unilateral.
Answer: insurance contracts are considered
⩥ dec page
insuring agreement
conditions
exclusions.
Answer: an insurance contract has four essential parts think DICE
⩥ Dec page.
Answer: always the first part in a contract that establishes:
name (insured and insurer)
, policy #
location and description of insured item
value of insured item
dates of policy (beginning and end)
amount/limit of coverage
deductible
premium
⩥ definitions page.
Answer: defines terms used in policy and includes important language
adjuster needs to know
⩥ insuring agreement.
Answer: summarizes:
what is covered
which causes of loss are covered
any exclusions
maximum limit of coverage in dollars
⩥ conditions.
Answer: insurer specifies any limits or qualifications the policy holder
must meet
