TEXAS ALL LINES ADJUSTER REAL EXAM QUESTIONS TEST BANK|WELL STRUCTURED|
QUESTIONS 100% PASS
ANSWERS
While performing a task that a fellow
All of the following are criteria for an acci-
worker requested, that was unusual to
dent to have occurred "in the course of"
the employee's job description, but oc-
the employment under a workers' com-
curred on the employer's premises dur-
pensation policy, EXCEPT:
ing working hours.
Which of the following statements is NOT
The implied warranties are attached to
TRUE regarding the implied warranties
the policy as an endorsement..
of an Ocean Marine policy?
Parmelia is covered under two sepa-
rate standardized Personal Automobile
policies, with Part C limits under both
policies set at $200,000. Parmelia is in-
volved in an accident with an uninsured $200,000
motorist and she sustains bodily injury
damages for $262,320. How much will
Parmelia receive when she submits a
claim for these damages
Which of the following endorsements
must be attached to a standard Busines-
Utility Services - Direct Damage en-
sowners policy for coverage to apply to
dorsement.
a businesses freezer that was damaged
by the interruption of a power source
After completing an inspection of an
insured's pressure equipment and fire
suppression systems, the inspector de-
Suspend coverage immediately by red
termines that the pressure equipment
tagging the items until they are repaired,
needs to be repaired and the suppres-
cleaned and pass reinspection
sion systems have not been cleaned and
inspected in the time frame required by
the policy. The insurer will:
To be eligible for coverage under a stan-
dardized Dwelling policy, the insured
5
must not allow more than
boarders to live on the premises.
All of the following are "Perils of the Sea"
Pirates
under an Ocean Marine policy, EXCEPT:
, TEXAS ALL LINES ADJUSTER REAL EXAM QUESTIONS TEST BANK|WELL STRUCTURED|
QUESTIONS 100% PASS
ANSWERS
The amount of insurance countersigned,
issued, or sold by an agent or producer
Controlled business
to cover immediate family members, an
employer, or employees is known as:
Which of the following standardized
Dwelling insurance forms provides cov- The DP-1, DP-2, and DP-3 forms
erage for loss of rental income
The "Part B - Medical Payments" cov-
A passenger who is injured in another
erage of a personal automobile policy
vehicle that is struck by the insured's ve-
covers injuries for all of the following,
hicle in an accident
EXCEPT:
Which of the following are the Texas
Workers' Compensation benefits that are
Lifetime Income Benefits (LIBs) only
increased by a cost-of-living adjustment
(COLAs)
Hannah must take time away from work
to help assist in the investigation of a
claim that was made against her BOP $250 per day.
policy. The policy will pay for Hannah's
actual loss of earnings up to:
Surplus Lines companies in Texas have
to acknowledge the receipt of a 30 days.
claim.
All of the following are characteristics
of a principal that a surety will scru-
Consideration.
tinize during the underwriting process,
EXCEPT:
Under Section II of a Homeowners poli-
cy, a cemetery plot owned by the insured An insured location.
is considered to be:
Which of the following is NOT one of
the four major coverages of an Ocean Seaworthiness.
Marine policy?
A ship has suffered damage and sunk.
Which of the following would respond to Hull Insurance.
cover the loss of the ship?
, TEXAS ALL LINES ADJUSTER REAL EXAM QUESTIONS TEST BANK|WELL STRUCTURED|
QUESTIONS 100% PASS
ANSWERS
As a fiduciary agent, an adjuster has the
power to bind the insurer. Which of the Only an adjuster's written statements
following statements is FALSE regarding can legally bind an insurer.
this power?
The standardized Dwelling forms con-
sider all eruptions of a volcano within a
72-hour
period to be a single "oc-
currence".
Whose responsibility is it to complete a
The claimant.
"proof of loss"?
Which of the following would NOT be The type and amount of damages that
determined by a court when an insurer will be paid to a plaintiff for the claim that
has filed a declaratory judgment action? is being disputed.
Which of the following statements is
The coverage is not additional insurance
TRUE regarding the Homeowners "ad-
and does not increase the limits of the
ditional coverage" known as Landlord's
policy.
Furnishings?
Which of the following would be covered
Crew members of a ship.
under the Jones Act?
All of the following statements are true
regarding a Personal Liability Supple- The policy will cover watercraft liability.
ment, EXCEPT:
Which of the following statements is Commercial property coverage can be
TRUE regarding Commercial Property written as both a monoline policy and as
coverage? part of a package policy.
What type of insurance is usually provid-
ed or subsidized by the state or federal
Residual market insurance.
government because it is not ordinarily
available from private insurers?
The optional coverage for "Employee
Dishonesty" under a standard Busines-
sowners policy provides a "discovery pe- The "discovery period" is one year from
riod" for the insured to discover the dis- the end of the policy period.
honest act and have coverage still apply.
Which of the following statements best
, TEXAS ALL LINES ADJUSTER REAL EXAM QUESTIONS TEST BANK|WELL STRUCTURED|
QUESTIONS 100% PASS
ANSWERS
describes the "discovery period" for this
optional coverage?
Which of the following would be consid- Failing to deny coverage of a claim within
ered an Unfair Claim Settlement Prac- a reasonable amount of time after con-
tice? cluding the investigation
Which of the following is TRUE regarding A fire must be the result of the artificially
the DP-2 Broad Form coverage for "arti- generated electrical current for coverage
ficially generated electrical current"? to apply..
An 80% or higher coinsurance percent-
The Commercial Building and Personal
age is shown on the Declarations page,
Property coverage form provides five ex-
and the property amount of coverage,
tensions of coverage, but only if:
based on that percentage, is purchased.
A motorist driving with coverage up to
All of the following would be considered the required state financial responsibility
"uninsured motorists", EXCEPT: limits for liability, but not high enough to
pay the claims for an at-fault accident.
Regulation of the insurance industry in
State governments.
the United States is primarily left to:
Which of the following coverages does
NOT need to be added to a Garage Cov-
Collision.
erage form by endorsement for coverage
to apply?
Chaz takes his girlfriend to an expensive
restaurant for Valentine's Day. It is rain-
ing, so he decides to have the valet park
his car, saving his girlfriend from get-
ting wet. The valet is driving the car into It would cover the loss to Chaz's car
the restaurant's parking garage, when because it is the insured automobile,
he clips the side of the garage entrance but would not cover the damage to the
with the front fender of Chaz's car. The garage..
garage wall needs to be repaired as well
as the fender and headlight of Chaz's
car. How would Part D of Chaz's Person-
al Automobile respond to this loss?
Which of the following statements is Coverage will not apply if the storage unit
TRUE regarding the coverage extension has been on the insured premises for
QUESTIONS 100% PASS
ANSWERS
While performing a task that a fellow
All of the following are criteria for an acci-
worker requested, that was unusual to
dent to have occurred "in the course of"
the employee's job description, but oc-
the employment under a workers' com-
curred on the employer's premises dur-
pensation policy, EXCEPT:
ing working hours.
Which of the following statements is NOT
The implied warranties are attached to
TRUE regarding the implied warranties
the policy as an endorsement..
of an Ocean Marine policy?
Parmelia is covered under two sepa-
rate standardized Personal Automobile
policies, with Part C limits under both
policies set at $200,000. Parmelia is in-
volved in an accident with an uninsured $200,000
motorist and she sustains bodily injury
damages for $262,320. How much will
Parmelia receive when she submits a
claim for these damages
Which of the following endorsements
must be attached to a standard Busines-
Utility Services - Direct Damage en-
sowners policy for coverage to apply to
dorsement.
a businesses freezer that was damaged
by the interruption of a power source
After completing an inspection of an
insured's pressure equipment and fire
suppression systems, the inspector de-
Suspend coverage immediately by red
termines that the pressure equipment
tagging the items until they are repaired,
needs to be repaired and the suppres-
cleaned and pass reinspection
sion systems have not been cleaned and
inspected in the time frame required by
the policy. The insurer will:
To be eligible for coverage under a stan-
dardized Dwelling policy, the insured
5
must not allow more than
boarders to live on the premises.
All of the following are "Perils of the Sea"
Pirates
under an Ocean Marine policy, EXCEPT:
, TEXAS ALL LINES ADJUSTER REAL EXAM QUESTIONS TEST BANK|WELL STRUCTURED|
QUESTIONS 100% PASS
ANSWERS
The amount of insurance countersigned,
issued, or sold by an agent or producer
Controlled business
to cover immediate family members, an
employer, or employees is known as:
Which of the following standardized
Dwelling insurance forms provides cov- The DP-1, DP-2, and DP-3 forms
erage for loss of rental income
The "Part B - Medical Payments" cov-
A passenger who is injured in another
erage of a personal automobile policy
vehicle that is struck by the insured's ve-
covers injuries for all of the following,
hicle in an accident
EXCEPT:
Which of the following are the Texas
Workers' Compensation benefits that are
Lifetime Income Benefits (LIBs) only
increased by a cost-of-living adjustment
(COLAs)
Hannah must take time away from work
to help assist in the investigation of a
claim that was made against her BOP $250 per day.
policy. The policy will pay for Hannah's
actual loss of earnings up to:
Surplus Lines companies in Texas have
to acknowledge the receipt of a 30 days.
claim.
All of the following are characteristics
of a principal that a surety will scru-
Consideration.
tinize during the underwriting process,
EXCEPT:
Under Section II of a Homeowners poli-
cy, a cemetery plot owned by the insured An insured location.
is considered to be:
Which of the following is NOT one of
the four major coverages of an Ocean Seaworthiness.
Marine policy?
A ship has suffered damage and sunk.
Which of the following would respond to Hull Insurance.
cover the loss of the ship?
, TEXAS ALL LINES ADJUSTER REAL EXAM QUESTIONS TEST BANK|WELL STRUCTURED|
QUESTIONS 100% PASS
ANSWERS
As a fiduciary agent, an adjuster has the
power to bind the insurer. Which of the Only an adjuster's written statements
following statements is FALSE regarding can legally bind an insurer.
this power?
The standardized Dwelling forms con-
sider all eruptions of a volcano within a
72-hour
period to be a single "oc-
currence".
Whose responsibility is it to complete a
The claimant.
"proof of loss"?
Which of the following would NOT be The type and amount of damages that
determined by a court when an insurer will be paid to a plaintiff for the claim that
has filed a declaratory judgment action? is being disputed.
Which of the following statements is
The coverage is not additional insurance
TRUE regarding the Homeowners "ad-
and does not increase the limits of the
ditional coverage" known as Landlord's
policy.
Furnishings?
Which of the following would be covered
Crew members of a ship.
under the Jones Act?
All of the following statements are true
regarding a Personal Liability Supple- The policy will cover watercraft liability.
ment, EXCEPT:
Which of the following statements is Commercial property coverage can be
TRUE regarding Commercial Property written as both a monoline policy and as
coverage? part of a package policy.
What type of insurance is usually provid-
ed or subsidized by the state or federal
Residual market insurance.
government because it is not ordinarily
available from private insurers?
The optional coverage for "Employee
Dishonesty" under a standard Busines-
sowners policy provides a "discovery pe- The "discovery period" is one year from
riod" for the insured to discover the dis- the end of the policy period.
honest act and have coverage still apply.
Which of the following statements best
, TEXAS ALL LINES ADJUSTER REAL EXAM QUESTIONS TEST BANK|WELL STRUCTURED|
QUESTIONS 100% PASS
ANSWERS
describes the "discovery period" for this
optional coverage?
Which of the following would be consid- Failing to deny coverage of a claim within
ered an Unfair Claim Settlement Prac- a reasonable amount of time after con-
tice? cluding the investigation
Which of the following is TRUE regarding A fire must be the result of the artificially
the DP-2 Broad Form coverage for "arti- generated electrical current for coverage
ficially generated electrical current"? to apply..
An 80% or higher coinsurance percent-
The Commercial Building and Personal
age is shown on the Declarations page,
Property coverage form provides five ex-
and the property amount of coverage,
tensions of coverage, but only if:
based on that percentage, is purchased.
A motorist driving with coverage up to
All of the following would be considered the required state financial responsibility
"uninsured motorists", EXCEPT: limits for liability, but not high enough to
pay the claims for an at-fault accident.
Regulation of the insurance industry in
State governments.
the United States is primarily left to:
Which of the following coverages does
NOT need to be added to a Garage Cov-
Collision.
erage form by endorsement for coverage
to apply?
Chaz takes his girlfriend to an expensive
restaurant for Valentine's Day. It is rain-
ing, so he decides to have the valet park
his car, saving his girlfriend from get-
ting wet. The valet is driving the car into It would cover the loss to Chaz's car
the restaurant's parking garage, when because it is the insured automobile,
he clips the side of the garage entrance but would not cover the damage to the
with the front fender of Chaz's car. The garage..
garage wall needs to be repaired as well
as the fender and headlight of Chaz's
car. How would Part D of Chaz's Person-
al Automobile respond to this loss?
Which of the following statements is Coverage will not apply if the storage unit
TRUE regarding the coverage extension has been on the insured premises for
