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All-Lines Insurance Adjuster Exam (Texas and Florida 6-20)

Policies and claims (TX): practice questions

Our Insurance adjuster (all lines) bank has 13 questions on this topic. Here are 5 of them with answers; the full mock exam draws from every topic, like the real one.

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Question 1 · Texas

Under the Texas Property and Casualty Insurance Guaranty Act, an individual covered claim generally may not exceed:

  1. $100,000
  2. $500,000
  3. $1,000,000
  4. $300,000
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D. $300,000 — Tex. Ins. Code 462.213(a): an individual covered claim may not exceed $300,000; workers' compensation claims are paid in full (b).

Question 2 · Texas

Texas minimum auto liability limits for financial responsibility are:

  1. $25,000 per person, $50,000 per accident for injury, $25,000 property damage
  2. $30,000 per person, $60,000 per accident for injury, $25,000 property damage
  3. $20,000 / $40,000 / $15,000
  4. $50,000 / $100,000 / $50,000
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B. $30,000 per person, $60,000 per accident for injury, $25,000 property damage — Tex. Transp. Code 601.072(a-1): $30,000 for injury to one person, $60,000 for two or more, $25,000 for property damage in one collision.

Question 3 · Texas

To recover under Texas uninsured motorist coverage for a hit-and-run by an unknown driver, the policy must require:

  1. A police report filed within 24 hours of the accident
  2. Two independent witnesses who saw the other vehicle
  3. Proof the other driver was drunk
  4. Actual physical contact between the unknown vehicle and the insured or the insured's property
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D. Actual physical contact between the unknown vehicle and the insured or the insured's property — Tex. Ins. Code 1952.104(3): when the owner or operator is unknown, actual physical contact must have occurred between the unknown person's vehicle and the person or property of the insured.

Question 4 · Texas

Texas personal injury protection pays reasonable expenses that are incurred within what period after the accident?

  1. Within one year
  2. Within 180 days
  3. Within three years
  4. Within five years
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C. Within three years — Tex. Ins. Code 1952.151: PIP pays reasonable expenses that arise from an accident and are incurred not later than the third anniversary of the accident.

Question 5 · Texas

The Texas Windstorm Insurance Association exists mainly to:

  1. Provide windstorm and hail coverage in the seacoast territory when private insurers won't
  2. Insure all Texas homes against flood and storm surge
  3. Compete with private insurers statewide on price and coverage
  4. Pay claims of insolvent insurers
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A. Provide windstorm and hail coverage in the seacoast territory when private insurers won't — Tex. Ins. Code 2210.001: TWIA provides an adequate market for windstorm and hail insurance in the seacoast territory, as a residual insurer of last resort that doesn't compete with the private market.

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