Texas All Lines Adjuster License Exam — All Questions
20 questions
Which Texas code chapter governs the licensing of insurance adjusters?
- a.Labor Code Chapter 401
- b.Insurance Code Chapter 4101✓
- c.Penal Code Chapter 31
- d.Insurance Code Chapter 542
Insurance Code Chapter 4101 is titled Insurance Adjusters and contains the license requirement, qualifications, exemptions and enforcement provisions.Texas Insurance Code Chapter 4101, Insurance Adjusters
What minimum age must an individual adjuster applicant meet in Texas?
- a.25
- b.16
- c.18✓
- d.21
Section 4101.053 requires evidence that the applicant is at least 18 years of age, and Pearson VUE's handbook states the same general requirement.Texas Insurance Code Chapter 4101, Insurance Adjusters; Texas Insurance Licensing Candidate Handbook (#124400; cover dated October 2024, PDF revised 2026-09-04)
Under 28 TAC §19.602, which adjuster license is issued to adjusters who qualify for both the property, casualty and surety license and the workers' compensation license?
- a.Limited lines
- b.General lines
- c.All lines✓
- d.Personal lines
Rule 19.602 approves three adjuster licenses and issues the all lines license to those who qualify for both the property, casualty and surety license and the workers' compensation, employer's liability and USL&H license.28 Tex. Admin. Code § 19.602, Types of Adjuster's Licenses
A person training under a licensed adjuster's supervision registers as a trainee. For how long may the trainee act without a license?
- a.Indefinitely
- b.Up to 30 days
- c.Up to 90 days
- d.12 months✓
Section 4101.003 allows a registered trainee under a licensed adjuster's supervision to act as an adjuster for a period not to exceed 12 months.Texas Insurance Code Chapter 4101, Insurance Adjusters
How long can a Texas emergency adjuster license last at most, including one extension?
- a.180 days✓
- b.30 days
- c.One year
- d.90 days
An emergency license is effective for up to 90 days and the commissioner may extend it for an additional 90 days.Texas Insurance Code Chapter 4101, Insurance Adjusters
What percentage of an adjuster's continuing education must be in a classroom or classroom-equivalent setting under Chapter 4004?
- a.None
- b.At least 25 percent
- c.At least 50 percent✓
- d.100 percent
Section 4004.051 requires at least 50 percent of required CE hours to be completed in a classroom or classroom-equivalent setting.Texas Insurance Code Chapter 4004, Continuing Education
An adjuster's license expired 45 days ago. What can the adjuster do?
- a.Apply for a trainee license
- b.Renew with a late fee✓
- c.Nothing until one year passes
- d.Retake the exam
Rule 19.602 allows renewal of a license that has not been expired for more than 90 days, and §4101.057 adds a late fee equal to one-half the application fee.28 Tex. Admin. Code § 19.602, Types of Adjuster's Licenses; Texas Insurance Code Chapter 4101, Insurance Adjusters
Which person is exempt from Texas adjuster licensing under §4101.002?
- a.An insurer's claims supervisor
- b.An independent field adjuster
- c.A public insurance adjuster✓
- d.A staff adjuster
Section 4101.002 excludes a public insurance adjuster licensed under Chapter 4102; claims supervisors and staff and independent adjusters need adjuster licenses.Texas Insurance Code Chapter 4101, Insurance Adjusters
A person handles only life and health insurance claims. Must that person hold a Texas adjuster license?
- a.Yes
- b.Only for claims over $500
- c.Only with an emergency license
- d.No✓
Section 4101.002 excludes a person who handles claims arising under life, accident and health policies; workers' compensation claims are not treated as such claims.Texas Insurance Code Chapter 4101, Insurance Adjusters
Who is the chief executive and administrative officer of the Texas Department of Insurance?
- a.The attorney general
- b.The governor
- c.The state fire marshal
- d.The commissioner✓
Insurance Code §31.021 names the commissioner as the department's chief executive and administrative officer, who administers and enforces the insurance laws.Texas Insurance Code Chapter 31, Texas Department of Insurance
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A person served with an emergency cease and desist order wants a hearing. By when must the request be made?
- a.By the 60th day after service✓
- b.At any time before a fine
- c.By the 30th day after service
- d.By the 10th day after service
Section 83.053 requires the hearing request not later than the 60th day after service; the order becomes final on the 61st day otherwise.Texas Insurance Code Chapter 83, Emergency Cease and Desist Orders
Which statement is defamation of an insurer under Insurance Code §541.053?
- a.A true report of an insurer's rating
- b.A complaint filed with TDI
- c.A false rumor of insolvency✓
- d.A fair comparison of two policies
Section 541.053 prohibits statements that are false, maliciously critical of or derogatory to an insurer's financial condition and calculated to injure someone in the business of insurance.Texas Insurance Code Chapter 541, Unfair Methods of Competition and Unfair or Deceptive Acts or Practices
An insurer receives all requested items on a claim but, without explanation, pays 75 days later. No other statute sets a period. What does §542.058 provide?
- a.Statutory damages apply after 60 days✓
- b.No consequence if it pays eventually
- c.Payment is due in 90 days
- d.The claim is automatically void
Section 542.058 makes an insurer that delays payment more than 60 days after receiving all items, when no other statute specifies a period, liable for the damages in §542.060.Texas Insurance Code Chapter 542, Processing and Settlement of Claims
Which rule says an acknowledgment of a claim within 15 business days is presumed reasonably prompt?
- a.Insurance Code §4101.101
- b.28 TAC §21.203✓
- c.Transportation Code §601.072
- d.Labor Code §409.021
Rule 21.203(2) says an acknowledgment within 15 business days is presumed to be reasonably prompt.28 Tex. Admin. Code § 21.203, Unfair Claim Settlement Practices
Which of these is an unfair claim settlement practice under 28 TAC §21.203?
- a.Refusing without investigating✓
- b.Sending a reservation of rights letter
- c.Inspecting the damaged property
- d.Asking for a proof of loss
Rule 21.203 lists refusing to pay claims without conducting a reasonable investigation based on all available information; requesting proof and inspecting are normal steps.28 Tex. Admin. Code § 21.203, Unfair Claim Settlement Practices
Which workers are excluded from 'employee' under the Texas Labor Code's workers' compensation definitions?
- a.Construction workers on the premises
- b.Interstate seamen✓
- c.Newly hired trainees
- d.Part-time office workers
Section 401.012 says the term employee does not include a master of or a seaman on a vessel engaged in interstate or foreign commerce.Texas Labor Code Chapter 401, Workers' Compensation General Provisions
How is a Texas employee's average weekly wage generally computed after 13 weeks of work?
- a.Annual salary divided by 50
- b.Highest single week's pay
- c.13 weeks' wages ÷ 13✓
- d.Last week's pay only
Section 408.041 divides the sum of wages paid in the 13 consecutive weeks before the injury by 13.Texas Labor Code Chapter 408, Workers' Compensation Benefits
What is the minimum weekly income benefit as a share of the state average weekly wage?
- a.100 percent
- b.70 percent
- c.15 percent✓
- d.50 percent
Section 408.062 sets the minimum weekly income benefit at 15 percent of the state average weekly wage; the TIB maximum is 100 percent.Texas Labor Code Chapter 408, Workers' Compensation Benefits
An injury arises from an employee's voluntary off-duty softball game that the job does not require. What does the Labor Code provide?
- a.Benefits are halved
- b.Only medical benefits are owed
- c.It is always compensable
- d.The carrier is not liable✓
Section 406.032 excludes injuries from voluntary participation in an off-duty recreational, social or athletic activity that is not part of the job's duties unless reasonably expected or required by the employment.Texas Labor Code Chapter 406, Workers' Compensation Insurance Coverage
How often may a carrier generally obtain a required medical examination of an injured employee?
- a.Only once per claim
- b.Once a month
- c.Once per 180 days✓
- d.Once a week
Section 408.004 entitles the carrier to the examination only once in a 180-day period, except as commissioner rules allow.Texas Labor Code Chapter 408, Workers' Compensation Benefits