1
Texas Adjuster Exam– 100 Questions and
Correct Verified Answers (2025
–2026 Edition)
If an automobile policy has split limits of 30/60/25. What is the maximum
amountof
liabilitycoveragethatwouldbepaid in a covered loss where three people are involved.
-
CORRECT ANSWER >>$30,000
Which of thefollowingstatementsbestdescribesan inlandmarine
policy?- CORRECT ANSWER>>Pertainsto Cargo withno fixedlocation
Alex is traveling through College Station and hits a deer, and the damages
are$1500.He
hascomprehensivecoveragewitha $500 deductible. What will you pay?
- CORRECT
ANSWER>>$1000
This departmentis responsiblefor makingratesand determinesthe rates charged by the
insurer- CORRECT ANSWER >>Actuarial department
Johnny has 30/60/25 limits on his auto policy, and he negligently ran
a parked
into car
drivenby SteveGarcia.Whatis themaximumamount of coverage that can be provided
for the damage to Steve's car?
-
CORRECT ANSWER>>25,000
Your customerhasHO-B homeownerspolicywitha CoverageA 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 localhotelfor 1
month.The costof thehotelis $900for the
,2
moth.How much will you payyour policyholderfor AdditionalLiving Expenses-
CORRECT ANSWER >>$900
Insurance for ocean vessels is the type of insurance? - CORRECT
ANSWER>>oldest
Your insuredhasa homeownerspolicywitha CoverageA limit of
$50,000,His coverageB limit is $20,000.His deductibleis 1%. He has 30 trees that are
damaged during the fire. How much are you going to pay on his claim?
- CORRECT
ANSWER>>2500
If you havea coveredloss,in excessof a limit, you can applythatexcess towards the
deductible. This best describes?
- CORRECT ANSWER>>Absorbing the deductible
Whattypeof contractexistswhentheinsurancepolicyis valideven
thoughthereis an unequalexchange?- CORRECT ANSWER>>AleatoryContract
Whatis theintentionalor unintentionalimpressionby theinsurance company that a
certain fact exists when it does not?
- CORRECT ANSWER>>Estoppel
An eventthatresultsin an insuredloss/ damages.- CORRECT ANSWER>>Occurrence
Joseph ross owns a 2014 Toyota Avalon. while at the mall shopping, someone
hit his car
and lefta big denton theright sideof his car. He
, 3
does not know who hit his car, and there are no witnesses to this accident.
Whattypeof
insuranceprotectiondoesheneedto protect him from financial loss in this situation
-
CORRECT
ANSWER>>Comprehensive
Morrishasa TexasDwellingpolicyon his property.His propertyburns down in a fire.
He claims that he has also sustained a financial loss
becausehe is not ableto rentthepropertyto his tenants.Whatcan you tell him?-
CORRECT ANSWER >>He has coverage for loss of fair Rental
Value
Methodof dispute resolutionthat occurs when there is a dispute regarding
whether or not something is covered under the policy - CORRECT
ANSWER>>Arbitration
A customerclaims he trippedon a stair in John'sArt Gallery and broke his leg. The
only way the customerwill have a successfulclaim against John'sinsurance is? -
CORRECT ANSWER>>John mustbefoundlegally liable for the incident
Janet thompson works for
universal insurancecompany of Texas. She is involved
in a
workrelatedaccidentin thesupplyroom.Sheimmediately notifies her supervisor about
the accident. Universal insurance company must report the injuries within how many
days of being notified of the injury?
- CORRECT ANSWER >>8 days
Provisions in an insurancepolicy that indicateswhat is not covered?- CORRECT
ANSWER>>Exclusions
Texas Adjuster Exam– 100 Questions and
Correct Verified Answers (2025
–2026 Edition)
If an automobile policy has split limits of 30/60/25. What is the maximum
amountof
liabilitycoveragethatwouldbepaid in a covered loss where three people are involved.
-
CORRECT ANSWER >>$30,000
Which of thefollowingstatementsbestdescribesan inlandmarine
policy?- CORRECT ANSWER>>Pertainsto Cargo withno fixedlocation
Alex is traveling through College Station and hits a deer, and the damages
are$1500.He
hascomprehensivecoveragewitha $500 deductible. What will you pay?
- CORRECT
ANSWER>>$1000
This departmentis responsiblefor makingratesand determinesthe rates charged by the
insurer- CORRECT ANSWER >>Actuarial department
Johnny has 30/60/25 limits on his auto policy, and he negligently ran
a parked
into car
drivenby SteveGarcia.Whatis themaximumamount of coverage that can be provided
for the damage to Steve's car?
-
CORRECT ANSWER>>25,000
Your customerhasHO-B homeownerspolicywitha CoverageA 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 localhotelfor 1
month.The costof thehotelis $900for the
,2
moth.How much will you payyour policyholderfor AdditionalLiving Expenses-
CORRECT ANSWER >>$900
Insurance for ocean vessels is the type of insurance? - CORRECT
ANSWER>>oldest
Your insuredhasa homeownerspolicywitha CoverageA limit of
$50,000,His coverageB limit is $20,000.His deductibleis 1%. He has 30 trees that are
damaged during the fire. How much are you going to pay on his claim?
- CORRECT
ANSWER>>2500
If you havea coveredloss,in excessof a limit, you can applythatexcess towards the
deductible. This best describes?
- CORRECT ANSWER>>Absorbing the deductible
Whattypeof contractexistswhentheinsurancepolicyis valideven
thoughthereis an unequalexchange?- CORRECT ANSWER>>AleatoryContract
Whatis theintentionalor unintentionalimpressionby theinsurance company that a
certain fact exists when it does not?
- CORRECT ANSWER>>Estoppel
An eventthatresultsin an insuredloss/ damages.- CORRECT ANSWER>>Occurrence
Joseph ross owns a 2014 Toyota Avalon. while at the mall shopping, someone
hit his car
and lefta big denton theright sideof his car. He
, 3
does not know who hit his car, and there are no witnesses to this accident.
Whattypeof
insuranceprotectiondoesheneedto protect him from financial loss in this situation
-
CORRECT
ANSWER>>Comprehensive
Morrishasa TexasDwellingpolicyon his property.His propertyburns down in a fire.
He claims that he has also sustained a financial loss
becausehe is not ableto rentthepropertyto his tenants.Whatcan you tell him?-
CORRECT ANSWER >>He has coverage for loss of fair Rental
Value
Methodof dispute resolutionthat occurs when there is a dispute regarding
whether or not something is covered under the policy - CORRECT
ANSWER>>Arbitration
A customerclaims he trippedon a stair in John'sArt Gallery and broke his leg. The
only way the customerwill have a successfulclaim against John'sinsurance is? -
CORRECT ANSWER>>John mustbefoundlegally liable for the incident
Janet thompson works for
universal insurancecompany of Texas. She is involved
in a
workrelatedaccidentin thesupplyroom.Sheimmediately notifies her supervisor about
the accident. Universal insurance company must report the injuries within how many
days of being notified of the injury?
- CORRECT ANSWER >>8 days
Provisions in an insurancepolicy that indicateswhat is not covered?- CORRECT
ANSWER>>Exclusions
