USAA LICENSING EXAMS CERTIFICATION
EVALUATION EXAMS 2026 COMPLETE
QUESTIONS AND ANSWERS GUARANTEED TO
PASS
◉ Comparative Negligence. Answer: Reduces the amount of
damages awarded to a plaintiff by the extent to which his own
negligence contributed to his loss
◉ Assumption of Risk. Answer: If an individual is aware of the risk
involved and still chooses to expose himself to those risks he has no
right to recovery
◉ Intervening Cause. Answer: Sets in motion a new chain of events.
It bars recovering from the original cause and a chain of events that
leads to injury.
◉ Last Clear Chance Defense. Answer: If the injured party had the
last clear chance to avoid the cause of a loss and did not exercise that
chance his loss was caused by his own failure to act
◉ Direct Liability. Answer: Insured is the wrong door (tortforsear)
, ◉ Vicarious Liability. Answer: You are responsible for the actions of
another causing damages to a third party
◉ Contractual Liability. Answer: L.E.A.S.E
insured assumes another's liability under a written agreement
◉ Absolute Liability. Answer: Exposure that could cause 3rd parties
to suffer damages/losses
◉ Strict Liability. Answer: Product defect, not negligence, creates
liability: defective tires, toys, legal drugs (product liability)
◉ liability limits. Answer: Split limit or Single limit
◉ Aggregate Limit. Answer: The maximum amount of coverage
available during the policy period
◉ Compensatory Damages. Answer: Special damages- actual
monetary expenses (medical bills, wages) (limited tort)
General Damages- non-economical losses ( pain and suffering,
malice ) (full tort)
EVALUATION EXAMS 2026 COMPLETE
QUESTIONS AND ANSWERS GUARANTEED TO
PASS
◉ Comparative Negligence. Answer: Reduces the amount of
damages awarded to a plaintiff by the extent to which his own
negligence contributed to his loss
◉ Assumption of Risk. Answer: If an individual is aware of the risk
involved and still chooses to expose himself to those risks he has no
right to recovery
◉ Intervening Cause. Answer: Sets in motion a new chain of events.
It bars recovering from the original cause and a chain of events that
leads to injury.
◉ Last Clear Chance Defense. Answer: If the injured party had the
last clear chance to avoid the cause of a loss and did not exercise that
chance his loss was caused by his own failure to act
◉ Direct Liability. Answer: Insured is the wrong door (tortforsear)
, ◉ Vicarious Liability. Answer: You are responsible for the actions of
another causing damages to a third party
◉ Contractual Liability. Answer: L.E.A.S.E
insured assumes another's liability under a written agreement
◉ Absolute Liability. Answer: Exposure that could cause 3rd parties
to suffer damages/losses
◉ Strict Liability. Answer: Product defect, not negligence, creates
liability: defective tires, toys, legal drugs (product liability)
◉ liability limits. Answer: Split limit or Single limit
◉ Aggregate Limit. Answer: The maximum amount of coverage
available during the policy period
◉ Compensatory Damages. Answer: Special damages- actual
monetary expenses (medical bills, wages) (limited tort)
General Damages- non-economical losses ( pain and suffering,
malice ) (full tort)
