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

Unfair practices (TX): practice questions

Our Insurance adjuster (all lines) bank has 8 questions on this topic. Here are 4 of them with answers; the full mock exam draws from every topic, like the real one.

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Question 1 · Texas

Under TIC 541.061, which is a misrepresentation of an insurance policy?

  1. Explaining an exclusion accurately
  2. Giving a copy of the policy to the insured
  3. Describing the deductible correctly
  4. Omitting a fact needed to avoid misleading
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D. Omitting a fact needed to avoid misleading — TIC 541.061 lists untrue statements of material fact, misleading omissions, misleading statements, material misstatements of law and failing to make required disclosures.

Question 2 · Texas

A Texas insurer delays a first-party offer because a third party may be responsible for the damage. Under TIC 541.060 this is:

  1. Unfair, unless the policy provides for it
  2. Always allowed
  3. Required by law
  4. Allowed only for auto claims
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A. Unfair, unless the policy provides for it — TIC 541.060(a)(5) prohibits refusing, failing or unreasonably delaying a first-party settlement offer because other coverage may be available or third parties are responsible, except as specifically provided in the policy.

Question 3 · Texas

Under TIC 541.060, which is an unfair settlement practice?

  1. Settling a doubtful claim by compromise with a release
  2. Asking for a proof of loss
  3. Enforcing a full release after partial payment
  4. Inspecting damaged property before payment
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C. Enforcing a full release after partial payment — TIC 541.060(a)(6): enforcing a full release when only a partial payment has been made is unfair, unless it is a compromise of a doubtful or disputed claim.

Question 4 · Texas

Under 28 TAC 21.203, failing to respond promptly to a claimant's request for personal contact about or review of the claim is:

  1. Allowed if the claim is under review
  2. An unfair claim settlement practice
  3. Allowed during catastrophes
  4. Required by policy conditions
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B. An unfair claim settlement practice — 28 TAC 21.203(16).

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