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.TEXAS ALL LINES ADJUSTER EXAM
2023/2024 LATEST!! (More than 250
QUESTIONS AND VERIFIED ANSWERS)
100% CORRECT ANSWERS
1. Which of the following protects against legal liability for loss or damage to baggage?
~ Answer: Cargo Liability coverage.
2. Which of the following coverages is included as "no-fault" coverage on the standardized
Personal Auto policy?
~ Answer: Medical Payments and Physical Damage.
3. Which of the following types of insurance companies is a non-profit organization?
~ Answer: A fraternal benefit society
4. In order for a contract to be binding in a court of law, it must be designed for:
~ Answer: Legal purposes.
5. Which of the following additional coverages provided by the Building and Personal
Property coverage form applies only to buildings to which the replacement cost optional
coverage applies?

~ Answer: Increased Cost of Construction.
6. Which of the following statements is TRUE regarding the DP-2 cause of loss form?
~ Answer: It automatically includes the EC perils, V&MM coverage, and
the broad form perils.
7. If an insured is covered under an HO-2 policy, damage caused by wind to his/her
personal property would be covered if:
~ Answer: The wind created an opening in the structure, allowing the
wind to damage the personal property inside.
8. Under Ben Green's personal auto policy, each of the following would qualify as a "family
member" EXCEPT:
~ Answer: Susan Green, Ben's wife. Susan maintains a separate residence
although she and Ben are not divorced.
9. All of the following statements are true regarding the HO-1 form, EXCEPT:
~ Answer: It settles losses on an actual cash value basis unless endorsed.
10. A Texas employer who chooses NOT to provide workers' compensation coverage:I.
Loses civil immunity.II. May be sued for damages when an employee is injured in the of
employment.III. Will have to pay a fee of $500.
~ Answer: I and II only

11. Which of the following would NOT be excluded under the Commercial Property basic
cause of loss form?
~ Answer: A fire caused by earth movement.
12. Which of the following losses would be covered by Part D of a standard Personal Auto
policy providing both "Other Than Collision" (Comprehensive) and "Collision"
coverage?
~ Answer: A front tire blows out in a high-speed head-on collision, which
also causes extensive damage to the vehicle.
13. Which of the following would be covered under Part Two - Employer's Liability of a
standard workers' compensation policy?
~ Answer: The spouse of an injured employee sues the employer for loss
of care and services (consortium).
14. What coverage is provided under the BOP for a steam boiler explosion?
~ Answer: Steam boiler explosions are excluded unless the damage is a
result of an explosion of gases or fuels within the object or flues.
15. Which of the following is NOT covered on the Commercial Property basic cause of loss
form?
~ Answer: Pollution clean up
16. Under which circumstances would it be legal for an insurer to charge one insured more
than another insured for the same coverage?
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