Texas Adjuster Exam Question &
Answers 2025
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. - CORRECT ANSWERS ✔✔$30,000
Which of the following statements best describes an
inland marine policy? - CORRECT ANSWERS
✔✔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? -
CORRECT ANSWERS ✔✔$1000
This department is responsible for making rates and
determines the rates charged by the insurer - CORRECT
ANSWERS ✔✔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? - CORRECT
ANSWERS ✔✔25,000
,Texas Adjuster Exam Question &
Answers 2025
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 - CORRECT ANSWERS
✔✔$900
Insurance for ocean vessels is the ______ type of
insurance? - CORRECT ANSWERS ✔✔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? - CORRECT ANSWERS ✔✔2500
If you have a covered loss, in excess of a limit, you can
apply that excess towards the deductible. This best
describes? - CORRECT ANSWERS ✔✔Absorbing the
deductible
, Texas Adjuster Exam Question &
Answers 2025
What type of contract exists when the insurance policy is
valid even though there is an unequal exchange? -
CORRECT ANSWERS ✔✔Aleatory Contract
What is the intentional or unintentional impression by the
insurance company that a certain fact exists when it does
not? - CORRECT ANSWERS ✔✔Estoppel
An event that results in an insured loss / damages. -
CORRECT ANSWERS ✔✔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 - CORRECT ANSWERS
✔✔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? -
CORRECT ANSWERS ✔✔He has coverage for loss of
fair Rental Value
Answers 2025
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. - CORRECT ANSWERS ✔✔$30,000
Which of the following statements best describes an
inland marine policy? - CORRECT ANSWERS
✔✔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? -
CORRECT ANSWERS ✔✔$1000
This department is responsible for making rates and
determines the rates charged by the insurer - CORRECT
ANSWERS ✔✔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? - CORRECT
ANSWERS ✔✔25,000
,Texas Adjuster Exam Question &
Answers 2025
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 - CORRECT ANSWERS
✔✔$900
Insurance for ocean vessels is the ______ type of
insurance? - CORRECT ANSWERS ✔✔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? - CORRECT ANSWERS ✔✔2500
If you have a covered loss, in excess of a limit, you can
apply that excess towards the deductible. This best
describes? - CORRECT ANSWERS ✔✔Absorbing the
deductible
, Texas Adjuster Exam Question &
Answers 2025
What type of contract exists when the insurance policy is
valid even though there is an unequal exchange? -
CORRECT ANSWERS ✔✔Aleatory Contract
What is the intentional or unintentional impression by the
insurance company that a certain fact exists when it does
not? - CORRECT ANSWERS ✔✔Estoppel
An event that results in an insured loss / damages. -
CORRECT ANSWERS ✔✔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 - CORRECT ANSWERS
✔✔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? -
CORRECT ANSWERS ✔✔He has coverage for loss of
fair Rental Value
