TEXAS ALL LINES ADJUSTER EXAM 378 QUESTIONS WITH 100%
CORRECT AND COMPLETE ANSWERS/A+ GRADE/2023
All of the following are criteria for an accident to
... [Show More] have occurred "in the course of" the
employment under a workers' compensation policy, EXCEPT: Correct Answer: While
performing a task that a fellow worker requested, that was unusual to the employee's job
description, but occurred on the employer's premises during working hours.
Which of the following statements is NOT TRUE regarding the implied warranties of an Ocean
Marine policy? Correct Answer: The implied warranties are attached to the policy as an
endorsement..
Parmelia is covered under two separate standardized Personal Automobile policies, with Part C
limits under both policies set at $200,000. Parmelia is involved in an accident with an uninsured
motorist and she sustains bodily injury damages for $262,320. How much will Parmelia receive
when she submits a claim for these damages Correct Answer: $200,000
Which of the following endorsements must be attached to a standard Businessowners policy for
coverage to apply to a businesses freezer that was damaged by the interruption of a power source
Correct Answer: Utility Services - Direct Damage endorsement.
After completing an inspection of an insured's pressure equipment and fire suppression systems,
the inspector determines that the pressure equipment needs to be repaired and the suppression
systems have not been cleaned and inspected in the time frame required by the policy. The
insurer will: Correct Answer: Suspend coverage immediately by red tagging the items until they
are repaired, cleaned and pass reinspection
To be eligible for coverage under a standardized Dwelling policy, the insured must not allow
more than _______ boarders to live on the premises. Correct Answer: 5
All of the following are "Perils of the Sea" under an Ocean Marine policy, EXCEPT: Correct
Answer: Pirates
The amount of insurance countersigned, issued, or sold by an agent or producer to cover
immediate family members, an employer, or employees is known as: Correct Answer:
Controlled business
Which of the following standardized Dwelling insurance forms provides coverage for loss of
rental income Correct Answer: The DP-1, DP-2, and DP-3 forms
The "Part B - Medical Payments" coverage of a personal automobile policy covers injuries for all
of the following, EXCEPT: Correct Answer: A passenger who is injured in another vehicle that
is struck by the insured's vehicle in an accident
Which of the following are the Texas Workers' Compensation benefits that are increased by a
cost-of-living adjustment (COLAs) Correct Answer: Lifetime Income Benefits (LIBs) only
TEXAS ALL LINES ADJUSTER EXAM 378 QUESTIONS WITH 100%
CORRECT AND COMPLETE ANSWERS/A+ GRADE/2023
Hannah must take time away from work to help assist in the investigation of a claim that was
made against her BOP policy. The policy will pay for Hannah's actual loss of earnings up to:
Correct Answer: $250 per day.
Surplus Lines companies in Texas have _____ to acknowledge the receipt of a claim. Correct
Answer: 30 days.
All of the following are characteristics of a principal that a surety will scrutinize during the
underwriting process, EXCEPT: Correct Answer: Consideration.
Under Section II of a Homeowners policy, a cemetery plot owned by the insured is considered to
be: Correct Answer: An insured location.
Which of the following is NOT one of the four major coverages of an Ocean Marine policy?
Correct Answer: Seaworthiness.
A ship has suffered damage and sunk. Which of the following would respond to cover the loss of
the ship? Correct Answer: Hul [Show Less]