Adjuster pro TEXAS EXAM 2025/2026 Actual Complete Real
Exam Questions & Correct Answers | 100% Verified solutions
/ Already Graded A+ / 2025 Brand New Exam!!
While Andrea was grocery shopping in BB Mart, the large Dairy
sign fell off the wall and landed on her. Because of her
extensive injuries, Andrea sued BB Mart and was awarded
$375,000 in damages. BB Mart's Commercial General Liability
policy has a general aggregate limit of $1,000,000 and a per
occurrence limit of $300,000. What is BB Mart's general
aggregate limit after the claim for Andrea's injuries is paid? -
ANSWER-$700,000
Jerry is using an expensive video recorder near the family pool
when he slips and falls in, destroying the camera. Jerry bought
the camera three years ago for $4,000, and it depreciates at
$500 per year. A new, similar camera costs $5,000 today.
Assuming the loss is covered, if Jerry had a replacement cost
policy, how much would Jerry's insurer indemnify Jerry for the
destroyed camera? - ANSWER-$5,000
If an automobile policy has split limits of 30/60/25. What is the
maximum amount of liability coverage that would be paid in a
,covered loss where three people are involved. - ANSWER-
$30,000
Which of the following statements best describes an inland
marine policy? - ANSWER-Pertains to Cargo with no fixed
location
Alex is traveling through College Station and hits a deer, and
the damages are $1500. He has comprehensive coverage with a
$500 deductible. What will you pay? - ANSWER-$1000
This department is responsible for making rates and determines
the rates charged by the insurer - ANSWER-Actuarial
department
Johnny has 30/60/25 limits on his auto policy, and he
negligently ran into a parked car driven by Steve Garcia. What is
the maximum amount of coverage that can be provided for the
damage to Steve's car? - ANSWER-25,000
Your customer has HO-B homeowners policy with a Coverage A
limit os $300,000. His mortgage payment is $1,400 per month.
He can't stay in his home for 1 month due to a claim that was
caused by smoke. He is staying in a local hotel for 1 month. The
cost of the hotel is $900 for the moth. How much will you pay
,your policyholder for Additional Living Expenses - ANSWER-
$900
Insurance for ocean vessels is the ______ type of insurance? -
ANSWER-oldest
Your insured has a homeowners policy with a Coverage A limit
of $50,000, His coverage B limit is $20,000. His deductible is 1%.
He has 30 trees that are damaged during the fire. How much are
you going to pay on his claim? - ANSWER-2500
If you have a covered loss, in excess of a limit, you can apply
that excess towards the deductible. This best describes? -
ANSWER-Absorbing the deductible
What type of contract exists when the insurance policy is valid
even though there is an unequal exchange? - ANSWER-Aleatory
Contract
What is the intentional or unintentional impression by the
insurance company that a certain fact exists when it does not? -
ANSWER-Estoppel
An event that results in an insured loss / damages. - ANSWER-
Occurrence
, Joseph ross owns a 2014 Toyota Avalon. while at the mall
shopping, someone hit his car and left a big dent on the right
side of his car. He does not know who hit his car, and there are
no witnesses to this accident. What type of insurance
protection does he need to protect him from financial loss in
this situation - ANSWER-Comprehensive
Morris has a Texas Dwelling policy on his property. His property
burns down in a fire. He claims that he has also sustained a
financial loss because he is not able to rent the property to his
tenants. What can you tell him? - ANSWER-He has coverage for
loss of fair Rental Value
Method of dispute resolution that occurs when there is a
dispute regarding whether or not something is covered under
the policy - ANSWER-Arbitration
A customer claims he tripped on a stair in John's Art Gallery
and broke his leg. The only way the customer will have a
successful claim against John's insurance is? - ANSWER-John
must be found legally liable for the incident
Janet thompson works for universal insurance company of
Texas. She is involved in a work related accident in the supply
Exam Questions & Correct Answers | 100% Verified solutions
/ Already Graded A+ / 2025 Brand New Exam!!
While Andrea was grocery shopping in BB Mart, the large Dairy
sign fell off the wall and landed on her. Because of her
extensive injuries, Andrea sued BB Mart and was awarded
$375,000 in damages. BB Mart's Commercial General Liability
policy has a general aggregate limit of $1,000,000 and a per
occurrence limit of $300,000. What is BB Mart's general
aggregate limit after the claim for Andrea's injuries is paid? -
ANSWER-$700,000
Jerry is using an expensive video recorder near the family pool
when he slips and falls in, destroying the camera. Jerry bought
the camera three years ago for $4,000, and it depreciates at
$500 per year. A new, similar camera costs $5,000 today.
Assuming the loss is covered, if Jerry had a replacement cost
policy, how much would Jerry's insurer indemnify Jerry for the
destroyed camera? - ANSWER-$5,000
If an automobile policy has split limits of 30/60/25. What is the
maximum amount of liability coverage that would be paid in a
,covered loss where three people are involved. - ANSWER-
$30,000
Which of the following statements best describes an inland
marine policy? - ANSWER-Pertains to Cargo with no fixed
location
Alex is traveling through College Station and hits a deer, and
the damages are $1500. He has comprehensive coverage with a
$500 deductible. What will you pay? - ANSWER-$1000
This department is responsible for making rates and determines
the rates charged by the insurer - ANSWER-Actuarial
department
Johnny has 30/60/25 limits on his auto policy, and he
negligently ran into a parked car driven by Steve Garcia. What is
the maximum amount of coverage that can be provided for the
damage to Steve's car? - ANSWER-25,000
Your customer has HO-B homeowners policy with a Coverage A
limit os $300,000. His mortgage payment is $1,400 per month.
He can't stay in his home for 1 month due to a claim that was
caused by smoke. He is staying in a local hotel for 1 month. The
cost of the hotel is $900 for the moth. How much will you pay
,your policyholder for Additional Living Expenses - ANSWER-
$900
Insurance for ocean vessels is the ______ type of insurance? -
ANSWER-oldest
Your insured has a homeowners policy with a Coverage A limit
of $50,000, His coverage B limit is $20,000. His deductible is 1%.
He has 30 trees that are damaged during the fire. How much are
you going to pay on his claim? - ANSWER-2500
If you have a covered loss, in excess of a limit, you can apply
that excess towards the deductible. This best describes? -
ANSWER-Absorbing the deductible
What type of contract exists when the insurance policy is valid
even though there is an unequal exchange? - ANSWER-Aleatory
Contract
What is the intentional or unintentional impression by the
insurance company that a certain fact exists when it does not? -
ANSWER-Estoppel
An event that results in an insured loss / damages. - ANSWER-
Occurrence
, Joseph ross owns a 2014 Toyota Avalon. while at the mall
shopping, someone hit his car and left a big dent on the right
side of his car. He does not know who hit his car, and there are
no witnesses to this accident. What type of insurance
protection does he need to protect him from financial loss in
this situation - ANSWER-Comprehensive
Morris has a Texas Dwelling policy on his property. His property
burns down in a fire. He claims that he has also sustained a
financial loss because he is not able to rent the property to his
tenants. What can you tell him? - ANSWER-He has coverage for
loss of fair Rental Value
Method of dispute resolution that occurs when there is a
dispute regarding whether or not something is covered under
the policy - ANSWER-Arbitration
A customer claims he tripped on a stair in John's Art Gallery
and broke his leg. The only way the customer will have a
successful claim against John's insurance is? - ANSWER-John
must be found legally liable for the incident
Janet thompson works for universal insurance company of
Texas. She is involved in a work related accident in the supply
