PUBLIC ADJUSTER ILLINOIS VOCABULARY
PRACTICE SCRIPT 2026 FULL ANSWERS
GRADED A+
⩥ What year was the Texas Insurance Code enacted?.
Answer: 1951
⩥ What is DTPA?.
Answer: Deceptive Trade Practices Act, passed in 1973
⩥ What are the 3 purposes of the DTPA?.
Answer: 1. Remove economic barriers to consumer litigation
2. Replace the current common law remedies with powerful statutory
remedies
3. Deter business mistreatment of consumers
⩥ What is the function of DTPA?.
Answer: The DTPA rules allow anyone to still sue the insurance
company
⩥ What are 6 Theories of TORT actions?.
, Answer: 1. Negligence 2. Intentional Torts 3. Strict Liability 4. Vicarious
Liability 5. Negligent Entrustment 6. Premises Liability
⩥ What is Intentional Torts?.
Answer: acts committed without negligence but result in damages
⩥ What is Strict Torts?.
Answer: also referred to as Absolute Liability, meaning not dependent
on negligence or intent to harm, but based on the theory of the duty of
making something sage that is inherently dangerous.
-dangerous instrumentality- explosives, firearms, livestock, pets;
-attractive nuisance-swimming pools, trampolines;
-defective products-poor design, assembly, illegal sale, inadequate
instructions
⩥ What is Vicarious Liability?.
Answer: responsible for the actions of others, often referred to as
imputed negligence
-Respondent Superior
-Principal/Agent
-Parent/Child
-Death Claims for
1. Wrongful Death Statute
PRACTICE SCRIPT 2026 FULL ANSWERS
GRADED A+
⩥ What year was the Texas Insurance Code enacted?.
Answer: 1951
⩥ What is DTPA?.
Answer: Deceptive Trade Practices Act, passed in 1973
⩥ What are the 3 purposes of the DTPA?.
Answer: 1. Remove economic barriers to consumer litigation
2. Replace the current common law remedies with powerful statutory
remedies
3. Deter business mistreatment of consumers
⩥ What is the function of DTPA?.
Answer: The DTPA rules allow anyone to still sue the insurance
company
⩥ What are 6 Theories of TORT actions?.
, Answer: 1. Negligence 2. Intentional Torts 3. Strict Liability 4. Vicarious
Liability 5. Negligent Entrustment 6. Premises Liability
⩥ What is Intentional Torts?.
Answer: acts committed without negligence but result in damages
⩥ What is Strict Torts?.
Answer: also referred to as Absolute Liability, meaning not dependent
on negligence or intent to harm, but based on the theory of the duty of
making something sage that is inherently dangerous.
-dangerous instrumentality- explosives, firearms, livestock, pets;
-attractive nuisance-swimming pools, trampolines;
-defective products-poor design, assembly, illegal sale, inadequate
instructions
⩥ What is Vicarious Liability?.
Answer: responsible for the actions of others, often referred to as
imputed negligence
-Respondent Superior
-Principal/Agent
-Parent/Child
-Death Claims for
1. Wrongful Death Statute
