INSURANCE ADJUSTER EXAM PRACTICE
(TX) LATEST 2026 UPDATE FAST REVIWED
FROM ACTUAL TEST 100 QUESTIONS AND
100% VERIFIED ANSWERS| A+ GRADE Q&A
| INSTANT DOWNLOAD PDF
1. What is the primary purpose of an insurance adjuster?
A. Sell insurance policies
B. Investigate and settle claims
C. Draft insurance legislation
D. Audit company finances
An adjuster evaluates claims to determine coverage, liability, and appropriate settlement
amounts.
2. In Texas, an adjuster must have which type of license to handle claims?
A. Broker license
B. Adjuster license
C. Producer license
D. Agent license
Only licensed adjusters are authorized to handle claims in Texas.
3. What does “liability coverage” protect the insured against?
A. Damage to their own vehicle
B. Legal responsibility for injuries or damage to others
C. Loss due to natural disasters
D. Business income loss
Liability coverage pays for injuries or damages caused to third parties.
4. Which type of policy typically covers personal property inside a home?
A. Health insurance
B. Homeowners insurance
C. Workers’ compensation
D. Auto insurance
Homeowners insurance protects both the structure and personal belongings inside the
home.
5. What is the first step an adjuster takes when a claim is reported?
A. Settle the claim immediately
B. Close the claim
C. Investigate and gather information
D. Deny the claim
An adjuster must investigate the claim to determine its validity.
6. Which of the following is considered a liability loss?
A. Fire damage to the insured’s house
B. Theft of the insured’s car
C. Injury caused to a guest in the insured’s home
, D. Damage to the insured’s own property
Liability arises when someone else suffers harm due to the insured’s actions.
7. What does “deductible” mean in an insurance policy?
A. Maximum coverage limit
B. Amount the insured pays before insurance coverage applies
C. Premium paid monthly
D. Fee for adjuster services
A deductible is the portion of a loss the policyholder must pay.
8. Which factor primarily determines insurance premiums?
A. Type of agent
B. Risk exposure
C. Policyholder’s location only
D. Claims adjuster’s experience
Premiums are based on the likelihood and severity of a loss.
9. What is a “claimant”?
A. Insurance company
B. Policy underwriter
C. Person making a claim
D. Independent adjuster
A claimant is the individual or entity requesting payment under a policy.
10. When investigating a property loss, an adjuster should first:
A. Inspect the damage
B. Contact the police
C. Write the settlement check
D. Contact the insurance agent
Physical inspection ensures accurate assessment of the loss.
11. In Texas, which type of insurance is mandatory for vehicle owners?
A. Collision insurance
B. Comprehensive insurance
C. Liability insurance
D. Personal injury protection
Liability insurance is required to cover damages to others in accidents.
12. What is subrogation?
A. Canceling a policy
B. Recovering claim payments from a third party responsible for the loss
C. Adjusting premiums
D. Investigating fraud
Subrogation allows the insurer to pursue the at-fault party after paying the insured.
13. Which of the following is a type of personal property coverage?
A. Bodily injury liability
B. Contents coverage
C. Professional liability
D. Workers’ compensation
Contents coverage protects personal belongings inside a home.
14. What is a “peril” in insurance terms?
A. Policy limit
(TX) LATEST 2026 UPDATE FAST REVIWED
FROM ACTUAL TEST 100 QUESTIONS AND
100% VERIFIED ANSWERS| A+ GRADE Q&A
| INSTANT DOWNLOAD PDF
1. What is the primary purpose of an insurance adjuster?
A. Sell insurance policies
B. Investigate and settle claims
C. Draft insurance legislation
D. Audit company finances
An adjuster evaluates claims to determine coverage, liability, and appropriate settlement
amounts.
2. In Texas, an adjuster must have which type of license to handle claims?
A. Broker license
B. Adjuster license
C. Producer license
D. Agent license
Only licensed adjusters are authorized to handle claims in Texas.
3. What does “liability coverage” protect the insured against?
A. Damage to their own vehicle
B. Legal responsibility for injuries or damage to others
C. Loss due to natural disasters
D. Business income loss
Liability coverage pays for injuries or damages caused to third parties.
4. Which type of policy typically covers personal property inside a home?
A. Health insurance
B. Homeowners insurance
C. Workers’ compensation
D. Auto insurance
Homeowners insurance protects both the structure and personal belongings inside the
home.
5. What is the first step an adjuster takes when a claim is reported?
A. Settle the claim immediately
B. Close the claim
C. Investigate and gather information
D. Deny the claim
An adjuster must investigate the claim to determine its validity.
6. Which of the following is considered a liability loss?
A. Fire damage to the insured’s house
B. Theft of the insured’s car
C. Injury caused to a guest in the insured’s home
, D. Damage to the insured’s own property
Liability arises when someone else suffers harm due to the insured’s actions.
7. What does “deductible” mean in an insurance policy?
A. Maximum coverage limit
B. Amount the insured pays before insurance coverage applies
C. Premium paid monthly
D. Fee for adjuster services
A deductible is the portion of a loss the policyholder must pay.
8. Which factor primarily determines insurance premiums?
A. Type of agent
B. Risk exposure
C. Policyholder’s location only
D. Claims adjuster’s experience
Premiums are based on the likelihood and severity of a loss.
9. What is a “claimant”?
A. Insurance company
B. Policy underwriter
C. Person making a claim
D. Independent adjuster
A claimant is the individual or entity requesting payment under a policy.
10. When investigating a property loss, an adjuster should first:
A. Inspect the damage
B. Contact the police
C. Write the settlement check
D. Contact the insurance agent
Physical inspection ensures accurate assessment of the loss.
11. In Texas, which type of insurance is mandatory for vehicle owners?
A. Collision insurance
B. Comprehensive insurance
C. Liability insurance
D. Personal injury protection
Liability insurance is required to cover damages to others in accidents.
12. What is subrogation?
A. Canceling a policy
B. Recovering claim payments from a third party responsible for the loss
C. Adjusting premiums
D. Investigating fraud
Subrogation allows the insurer to pursue the at-fault party after paying the insured.
13. Which of the following is a type of personal property coverage?
A. Bodily injury liability
B. Contents coverage
C. Professional liability
D. Workers’ compensation
Contents coverage protects personal belongings inside a home.
14. What is a “peril” in insurance terms?
A. Policy limit
