A licensed Texas adjuster is also a roofing contractor. What may the adjuster not do?Tex. Ins. Code Sec. 4101.251
A Texas emergency adjuster license is effective for a period not to exceed how long, before any extension?Tex. Ins. Code Sec. 4101.101
A Texas insurer is considered to have terminated its agents' contracts if it withdraws from the state or cuts its total annual premium volume in any year by at least what share?Tex. Ins. Code Sec. 4051.354
A Texas insurer wants to end its contract with an appointed property and casualty agent that has been in effect for at least two years. How much written notice must it give the agent?Tex. Ins. Code Sec. 4051.353
A Texas public insurance adjuster may not take a percentage commission when the insurer pays or commits in writing to pay the policy limit within how long after the loss is reported?Tex. Ins. Code Sec. 4102.104
A Texas public insurance adjuster must finish at least how much coursework in each license period under Section 4102.109?Tex. Ins. Code Sec. 4102.109
A violation of the Texas public insurance adjuster chapter is what grade of criminal offense?Tex. Ins. Code Sec. 4102.206
Show all 162 questions (155 more)
Agent, adjuster and public adjuster licensing, continued
Acting as an adjuster in Texas without a license is a misdemeanor punishable by a fine of not more than what amount, with or without county jail time?Tex. Ins. Code Sec. 4101.203
After a Texas catastrophe, an emergency adjuster license application must be certified to the commissioner no later than which day after the person begins work as an adjuster?Tex. Ins. Code Sec. 4101.101
After a Texas insurer withdraws from the state, for how long must it renew each property and casualty contract for an affected agent, counted from the notice of termination?Tex. Ins. Code Sec. 4051.354
An insured gives a Texas public insurance adjuster written authority to handle the claim. May the adjuster sign and endorse the claim check for the insured?Tex. Ins. Code Sec. 4102.104
During which hours on a Sunday may a Texas public insurance adjuster solicit business on a loss?Tex. Ins. Code Sec. 4102.152
In Texas, a homeowner hires an unlicensed person to negotiate a property claim for a fee. What does Section 4102.207 let the homeowner do about the contract?Tex. Ins. Code Sec. 4102.207
In Texas, a public insurance adjuster acts for compensation on behalf of whom in negotiating the settlement of a property claim?Tex. Ins. Code Sec. 4102.001
On whose behalf does an adjuster licensed under Texas Insurance Code Chapter 4101 investigate or adjust losses?Tex. Ins. Code Sec. 4101.001
Section 4051.402 lets a Texas personal lines agent write one kind of coverage outside property and casualty, for an insurer authorized to sell it. Which kind?Tex. Ins. Code Sec. 4051.402
What is the most a Texas public insurance adjuster may receive in total commission on a claim?Tex. Ins. Code Sec. 4102.104
What is the most the Texas commissioner may charge as the fee for an emergency adjuster license?Tex. Ins. Code Sec. 4101.101
What may a Texas public insurance adjuster not do with damaged property that is the subject of a claim the adjuster adjusted?Tex. Ins. Code Sec. 4102.158
What may the holder of a Texas personal lines property and casualty license write?Tex. Ins. Code Sec. 4051.401
When is a Texas public insurance adjuster barred from soliciting a client for employment?Tex. Ins. Code Sec. 4102.151
Which notice must a Texas public insurance adjuster's contract display prominently in 12-point boldface type?Tex. Ins. Code Sec. 4102.103
Which person does the Texas adjuster licensing chapter not apply to?Tex. Ins. Code Sec. 4101.002
Which Texas agent is required to hold a limited property and casualty license?Tex. Ins. Code Sec. 4051.101
Which Texas license must an agent hold to write property and casualty insurance of every kind for an authorized insurer?Tex. Ins. Code Sec. 4051.051
Who is responsible for the loss or claims practices of the holder of a Texas emergency adjuster license?Tex. Ins. Code Sec. 4101.101
Who may act for an insured on a property loss in Texas without a public insurance adjuster license?Tex. Ins. Code Sec. 4102.051
Within what time after signing may a client rescind a contract with a Texas public insurance adjuster by written notice?Tex. Ins. Code Sec. 4102.103
Claim handling and prompt payment 15
A claim is made against a Texas named insured under a casualty policy. How soon after an initial offer to settle is made must the insurer tell the insured in writing of the offer?Tex. Ins. Code Sec. 542.153
A Texas insurer has a reasonable basis to believe a loss resulted from arson. By when must it accept or reject the claim after receiving all required items?Tex. Ins. Code Sec. 542.056
A Texas insurer notifies a claimant that it will pay a claim. By when must an insurer that is not a surplus lines insurer pay?Tex. Ins. Code Sec. 542.057
A Texas insurer pays a claim less a deductible, and a third party may be liable for the deductible. Unless an exception applies, what must the insurer do?Tex. Ins. Code Sec. 542.204
A Texas insurer tells a claimant in time that it needs more time to decide a claim, and why. By when must it then accept or reject the claim?Tex. Ins. Code Sec. 542.056
A Texas insurer turns down a homeowners claim. Under Section 542.056, what has to appear in its rejection letter?Tex. Ins. Code Sec. 542.056
After a Texas insurer has all the items it required to secure final proof of loss, by when must it notify the claimant in writing that the claim is accepted or rejected?Tex. Ins. Code Sec. 542.056
An eligible surplus lines insurer receives notice of a Texas claim. By when must it acknowledge the claim?Tex. Ins. Code Sec. 542.055
Before suing over a Texas property claim to which Chapter 542A applies, how far ahead of filing must the claimant give written presuit notice?Tex. Ins. Code Sec. 542A.003
By how much are the Texas prompt payment claim-handling deadlines extended in a weather-related catastrophe or major natural disaster, as defined by the commissioner?Tex. Ins. Code Sec. 542.059
How soon after receiving notice of a claim must a Texas insurer that is not a surplus lines insurer acknowledge it, start its investigation and request the items it needs?Tex. Ins. Code Sec. 542.055
Once a third party's claim under a Texas liability policy is settled, how soon must the named insured get written word of the settlement?Tex. Ins. Code Sec. 542.153
Outside actions under Chapter 542A, what yearly interest does a Texas insurer owe as damages on a claim when it breaks the prompt payment subchapter?Tex. Ins. Code Sec. 542.060
Texas Insurance Code Section 542.003 forbids which conduct by an insurer in handling claims?Tex. Ins. Code Sec. 542.003
Where no other statute sets a period, a Texas insurer that has all requested items owes prompt payment damages if it delays paying a claim for more than how long?Tex. Ins. Code Sec. 542.058
Cancellation and nonrenewal 20
A caller asks a Texas homeowners insurer how a claim would be filed, and no claim or investigation follows. How may the insurer use that customer inquiry?Tex. Ins. Code Sec. 551.113
A Texas homeowners insurer may add a premium surcharge at renewal if the insured has filed how many claims in the preceding three policy years?Tex. Ins. Code Sec. 551.107
A Texas homeowners insurer never sent the notice that follows a second claim. What follows when the insured files a third claim within three years?Tex. Ins. Code Sec. 551.107
A Texas insurer cancels a homeowners policy because the named insured did not pay the premium. When does the cancellation take effect at the earliest?Tex. Ins. Code Sec. 551.104
A Texas insurer mails its notice of nonrenewal of a liability policy too late. Until when does the coverage stay in effect?Tex. Ins. Code Sec. 551.054
A Texas insurer may cancel a personal automobile policy for any reason if the policy has been in effect for less than how long?Tex. Ins. Code Sec. 551.104
A Texas insurer may cancel a personal automobile policy on any 12-month anniversary of its original effective date if it mails written notice by when?Tex. Ins. Code Sec. 551.104
A Texas insurer will not renew a commercial property policy. By when must written notice go to the first-named insured?Tex. Ins. Code Sec. 551.054
A Texas personal automobile policy is canceled for nonpayment. The insurer may reinstate it if the premium owed is paid by when?Tex. Ins. Code Sec. 551.106
A Texas policyholder is moved from one admitted company to another in the same insurance group. How does Chapter 551 treat the move?Tex. Ins. Code Sec. 551.004
After which day of the initial policy term may a Texas insurer no longer cancel a liability or commercial property policy, except for a listed reason?Tex. Ins. Code Sec. 551.052
The driver's license of a household member who drives the insured car is suspended. When may a Texas insurer not cancel the personal automobile policy for that reason?Tex. Ins. Code Sec. 551.104
How far ahead must a Texas insurer deliver or mail written notice that it is canceling a liability or commercial property policy?Tex. Ins. Code Sec. 551.053
Late notice of nonrenewal keeps a Texas liability policy in force past its expiration date. How is earned premium for that extra period computed?Tex. Ins. Code Sec. 551.054
On what ground alone may a Texas insurer not refuse to renew a personal automobile policy?Tex. Ins. Code Sec. 551.106
Subject to the notice rule, a Texas insurer may refuse to renew a homeowners policy if the insured has filed how many claims under it in any three-year period?Tex. Ins. Code Sec. 551.107
Under Texas Insurance Code Section 551.104, a policy that is neither personal automobile nor homeowners may be canceled if it has been in effect for less than how long?Tex. Ins. Code Sec. 551.104
Under the Texas cancellation law for personal lines, which act by an insurer without the insured's consent counts as canceling the policy?Tex. Ins. Code Sec. 551.103
Which fact about the policyholder may not be the sole basis for a Texas insurer to cancel or refuse to renew a policy, under Section 551.152?Tex. Ins. Code Sec. 551.152
Which reason lets a Texas insurer cancel a commercial property policy at any time during its term?Tex. Ins. Code Sec. 551.052
Auto: financial responsibility, UM/UIM and PIP 28
A person may qualify as a motor vehicle self-insurer in Texas with more than how many motor vehicles registered in the person's name?Tex. Transp. Code Sec. 601.124
A surety bond filed with the Texas department to establish financial responsibility needs at least how many individual sureties who own real property in the state?Tex. Transp. Code Sec. 601.121
A Texas insured buys another private passenger automobile during the policy term. Unless the policy gives a later date, by when must the insurer be notified for the required coverage to apply?Tex. Ins. Code Sec. 1952.059
A Texas insurer fails to pay personal injury protection benefits when due and is ordered to pay. Besides attorney's fees and interest, what penalty does the person recover?Tex. Ins. Code Sec. 1952.157
A Texas motorist already convicted once under Section 601.191 is caught uninsured again. What fine does the code set this time?Tex. Transp. Code Sec. 601.191
A Texas owner's motor vehicle liability policy must pay damages arising from use of the covered vehicle in which territory?Tex. Transp. Code Sec. 601.076
A Texas personal automobile policy that covers a spouse must continue that coverage during which period?Tex. Ins. Code Sec. 1952.056
A Texas personal automobile policy written for a term shorter than how long may not be used to obtain a driver's license, registration or license plates?Tex. Ins. Code Sec. 1952.054
By what amount is a Texas insured's recovery under underinsured motorist coverage reduced?Tex. Ins. Code Sec. 1952.106
Does a binder issued while a Texas motor vehicle liability policy is pending meet the financial responsibility law?Tex. Transp. Code Sec. 601.080
The driver who hit a Texas insured is unknown. What must have occurred for the insured to recover under uninsured motorist coverage?Tex. Ins. Code Sec. 1952.104
How does a Texas named insured decline uninsured or underinsured motorist coverage on an automobile liability policy?Tex. Ins. Code Sec. 1952.101
How does fault bear on benefits under Texas personal injury protection coverage?Tex. Ins. Code Sec. 1952.155
How much must a person deposit with the Texas comptroller, in cash or qualifying securities, to establish financial responsibility for a motor vehicle?Tex. Transp. Code Sec. 601.122
How soon after it receives satisfactory proof of a claim must a Texas insurer pay personal injury protection benefits?Tex. Ins. Code Sec. 1952.156
On a second or later Texas conviction for driving without financial responsibility, the court orders the owner's vehicle impounded for how long?Tex. Transp. Code Sec. 601.262
Several people are injured in one Texas wreck. What floor does Transportation Code Section 601.072 set for a policy's total bodily injury limit for that wreck?Tex. Transp. Code Sec. 601.072
Texas personal injury protection pays reasonable expenses arising from an accident that are incurred no later than when?Tex. Ins. Code Sec. 1952.151
The Texas personal injury protection subchapter does not require an insurer to provide more than what amount for all benefits for each person?Tex. Ins. Code Sec. 1952.153
Transportation Code Section 601.191 makes driving uninsured in Texas a misdemeanor. With no earlier conviction, what fine range applies?Tex. Transp. Code Sec. 601.191
Under a Texas automobile policy covering damage to a motor vehicle, what may the insurer not limit?Tex. Ins. Code Sec. 1952.301
Under the Texas uninsured motorist law, an insured motor vehicle counts as an "uninsured motor vehicle" when its liability insurer cannot pay for what reason?Tex. Ins. Code Sec. 1952.102
Under Transportation Code Section 601.072, a Texas liability policy must cover at least how much when one person is hurt or killed in a collision?Tex. Transp. Code Sec. 601.072
What deductible applies to uninsured or underinsured motorist property damage coverage offered under the Texas Insurance Code?Tex. Ins. Code Sec. 1952.105
What is the least a Texas auto liability policy may provide for wrecking someone else's car or other belongings in a single collision, under Section 601.072?Tex. Transp. Code Sec. 601.072
When may a Texas insurer use a named driver exclusion on an automobile policy?Tex. Ins. Code Sec. 1952.353
Which liability may a Texas motor vehicle liability insurance policy not insure against?Tex. Transp. Code Sec. 601.075
Which vehicle is excepted from the Texas financial responsibility requirement when the owner files the collector's item affidavit?Tex. Transp. Code Sec. 601.052
Windstorm association, FAIR Plan and auto plan 19
A claimant who sues the Texas Windstorm Insurance Association over denied coverage must bring the action by when?Tex. Ins. Code Sec. 2210.577
After the Texas Windstorm Insurance Association tells a claimant it has accepted coverage for a claim, by when must it pay the accepted claim?Tex. Ins. Code Sec. 2210.5731
An insured cancels a Texas Windstorm Insurance Association policy mid-term. For which reason is the unearned premium refunded?Tex. Ins. Code Sec. 2210.204
By when must an insured file a claim under a Texas Windstorm Insurance Association policy, before any extension for good cause?Tex. Ins. Code Sec. 2210.573
How many declinations from an insurer writing windstorm and hail coverage in the first tier coastal counties must a Texas applicant show for initial coverage from the windstorm association?Tex. Ins. Code Sec. 2210.202
How many declinations must a Texas applicant in an underserved area show to get residential property insurance from the FAIR Plan Association?Tex. Ins. Code Sec. 2211.151
How often must evidence of a declination be given before renewal of a Texas Windstorm Insurance Association policy?Tex. Ins. Code Sec. 2210.202
In an area the commissioner designates, what must an agent offering a Texas windstorm and hail insurance policy also offer the prospective insured, if it is available?Tex. Ins. Code Sec. 2210.203
On a showing of good cause, the Texas commissioner may extend the one-year period for filing a windstorm association claim by up to how long?Tex. Ins. Code Sec. 2210.205
The Texas commissioner may establish a FAIR Plan if at least what share of qualified applicants to the residential property market assistance program were not placed with an insurer in the preceding six months?Tex. Ins. Code Sec. 2211.051
To be eligible for insurance through the Texas Automobile Insurance Plan Association, an applicant must certify rejection by at least how many insurers writing automobile insurance in the state?Tex. Ins. Code Sec. 2151.102
What is the legal relationship between the Texas Windstorm Insurance Association and an agent who sells its policies?Tex. Ins. Code Sec. 2210.016
What is the primary purpose of the Texas Windstorm Insurance Association?Tex. Ins. Code Sec. 2210.001
What is the term of a policy issued by the Texas Windstorm Insurance Association?Tex. Ins. Code Sec. 2210.203
Which coverage may the Texas FAIR Plan not provide?Tex. Ins. Code Sec. 2211.156
Which of these is a "first tier coastal county" in the Texas windstorm insurance chapter?Tex. Ins. Code Sec. 2210.003
Which structure may the Texas Windstorm Insurance Association not cover, even if it would otherwise be insurable property?Tex. Ins. Code Sec. 2210.210
Who makes up the Texas Automobile Insurance Plan Association?Tex. Ins. Code Sec. 2151.051
Who must submit the application for initial coverage from the Texas Windstorm Insurance Association on the applicant's behalf?Tex. Ins. Code Sec. 2210.202
Rates, forms and fire insurance law 12
A Texas property form used by an insurer writing windstorm and hail insurance in the catastrophe area may require that a claim be filed no later than when, with later filing allowed for good cause?Tex. Ins. Code Sec. 2301.010
A Texas residential property insurer must notify the policyholder of a renewal rate increase that raises the premium by at least what share?Tex. Ins. Code Sec. 2251.005
An insured breaches a warranty in a Texas fire policy on personal property. When is the breach a defense to a suit for the loss?Tex. Ins. Code Sec. 862.054
Besides being insufficient to sustain projected losses and expenses, what makes a rate "inadequate" under the Texas rating chapter?Tex. Ins. Code Sec. 2251.051
By when must a Texas insurer send the required notice of a residential property rate increase?Tex. Ins. Code Sec. 2251.005
How long before using a policy form must a Texas insurer file it under Insurance Code Section 2301.006?Tex. Ins. Code Sec. 2301.006
In place of its own forms, what may a Texas insurer use under Insurance Code Section 2301.008?Tex. Ins. Code Sec. 2301.008
To which property does the Texas total loss rule for fire policies not apply?Tex. Ins. Code Sec. 862.053
Under a fire insurance contract on Texas property, what may not invalidate the interest of a mortgagee?Tex. Ins. Code Sec. 862.055
Under the Texas Insurance Code, a total loss by fire of insured real property makes the fire policy what?Tex. Ins. Code Sec. 862.053
When is a rate "excessive" under the Texas property and casualty rating chapter?Tex. Ins. Code Sec. 2251.051
When may a Texas insurer begin to use a rate it files under Subchapter C of the rating chapter?Tex. Ins. Code Sec. 2251.101
Property and casualty guaranty association 11
A claim other than workers' compensation is not a covered claim of the Texas guaranty association if it is filed later than how long after the order of liquidation?Tex. Ins. Code Sec. 462.211
A person has a claim against an impaired Texas insurer and also a claim under another policy arising from the same loss. What must the person do first?Tex. Ins. Code Sec. 462.251
A Texas insurer is liquidated while a policyholder has premium paid ahead. What is the most the guaranty association pays back for unearned premiums?Tex. Ins. Code Sec. 462.202
The guaranty act for Texas property and casualty insurers leaves out which kind of insurance?Tex. Ins. Code Sec. 462.007
How does Texas Insurance Code Section 462.051 describe the legal form of the property and casualty guaranty association?Tex. Ins. Code Sec. 462.051
Member insurers pick five directors of the Texas property and casualty guaranty association. How many others does the commissioner name to speak for the public?Tex. Ins. Code Sec. 462.052
Outside workers' compensation, the Texas guaranty association is not liable for a claim under the policy of an insured whose net worth exceeds what amount?Tex. Ins. Code Sec. 462.212
The Texas guaranty association for property and casualty insurers acts through a board of how many directors?Tex. Ins. Code Sec. 462.052
To let the Texas guaranty association defend a pending case, a court proceeding in which an impaired insurer must defend a party is stayed for how long?Tex. Ins. Code Sec. 462.309
Under Texas Insurance Code Section 462.004, when is a member insurer an "impaired insurer"?Tex. Ins. Code Sec. 462.004
What is the most the Texas Property and Casualty Insurance Guaranty Association pays on an individual covered claim that is not a workers' compensation claim?Tex. Ins. Code Sec. 462.213
Workers' compensation 29
A creditor holds a judgment against an injured Texas worker. May it garnish the worker's workers' compensation benefits?Tex. Lab. Code Sec. 408.201
A new employee of a covered Texas employer wants to keep the common-law right to sue for work injuries. By when must the employee notify the employer in writing?Tex. Lab. Code Sec. 406.034
A Texas employee was injured and the employee's own horseplay was a producing cause. What is the carrier's liability for compensation?Tex. Lab. Code Sec. 406.032
A Texas employee who earns less than $10 an hour receives temporary income benefits at 75 percent for how long?Tex. Lab. Code Sec. 408.103
A Texas employer ends its workers' compensation coverage. How soon after telling the carrier must it file written notice with the division?Tex. Lab. Code Sec. 406.007
A Texas employer misstated its payroll, so the carrier is ending the coverage. What is the shorter notice deadline in Labor Code Section 406.008?Tex. Lab. Code Sec. 406.008
A Texas work injury causes disability that lasts longer than one week. On which day after the injury do weekly income benefits begin to accrue?Tex. Lab. Code Sec. 408.082
A Texas workers' compensation death benefit equals what share of the employee's average weekly wage, subject to the weekly maximum?Tex. Lab. Code Sec. 408.181
A weekly Texas temporary income benefit may not exceed what share of the state average weekly wage?Tex. Lab. Code Sec. 408.061
A worker hurt on the job sues a Texas employer that chose not to carry coverage. Which defense does Labor Code Section 406.033 take away?Tex. Lab. Code Sec. 406.033
An insurance company cancels a Texas workers' compensation policy for a reason other than those that allow shorter notice. By when must its notice be delivered?Tex. Lab. Code Sec. 406.008
Apart from the higher rate for some low-wage employees, a Texas temporary income benefit equals what share of the difference between the average weekly wage and weekly earnings after the injury?Tex. Lab. Code Sec. 408.103
Despite the exclusive remedy rule, who may recover exemplary damages from a Texas employer whose gross negligence caused a covered employee's death?Tex. Lab. Code Sec. 408.001
For a Texas employee covered by workers' compensation insurance, what is recovery of workers' compensation benefits against the employer for a work-related injury?Tex. Lab. Code Sec. 408.001
For which injury are Texas lifetime income benefits paid until the employee's death?Tex. Lab. Code Sec. 408.161
For which injury is a Texas workers' compensation insurance carrier not liable?Tex. Lab. Code Sec. 406.032
How is a sole proprietor, partner or corporate executive officer treated under a Texas business's workers' compensation coverage?Tex. Lab. Code Sec. 406.097
How long must a disability from a Texas work injury continue for income benefits to be computed from the date the disability began?Tex. Lab. Code Sec. 408.082
In a suit under Texas Labor Code Section 406.033 against an employer that went without coverage, what does the injured worker have to show?Tex. Lab. Code Sec. 406.033
Is a private employer in Texas required to carry workers' compensation insurance?Tex. Lab. Code Sec. 406.002
On what basis is a Texas workers' compensation insurance carrier liable for an injury that arises out of and in the course and scope of employment?Tex. Lab. Code Sec. 406.031
Texas impairment income benefits run for a period computed at what rate?Tex. Lab. Code Sec. 408.121
Through which two methods may a Texas employer obtain workers' compensation insurance coverage?Tex. Lab. Code Sec. 406.003
Until when do Texas temporary income benefits continue?Tex. Lab. Code Sec. 408.102
What does a Texas workers' compensation insurance carrier pay for burial when an employee dies from a compensable injury?Tex. Lab. Code Sec. 408.186
What is the least impairment rating that can entitle a Texas employee to supplemental income benefits once impairment income benefits end?Tex. Lab. Code Sec. 408.142
What must a Texas governmental entity require of a contractor on a building or construction contract?Tex. Lab. Code Sec. 406.096
When must a Texas employer tell a new employee whether it has workers' compensation insurance coverage?Tex. Lab. Code Sec. 406.005
Which worker is not subject to the Texas Workers' Compensation Act unless the employer elects coverage?Tex. Lab. Code Sec. 406.091
How this list was compiled: Texas Insurance Code, chapters 462, 542, 542A, 551, 862, 1952, 2151, 2210, 2211, 2251, 2301, 4051, 4101 and 4102; Texas Transportation Code, chapter 601; and Texas Labor Code, chapters 406 and 408, on Texas Constitution and Statutes, the Texas Legislature's own site (https://statutes.capitol.texas.gov/, files served from tcss.legis.texas.gov). Each question names its section and links to it. Read 2026-10-04. Licence: Own work. Every question, wrong choice and explanation was written for this site from the text of the law. Nothing comes from a testing vendor, a prep course or an exam question pool.
How it works
This unofficial Texas property and casualty practice exam asks the law only: 162 free questions written from the Texas Insurance, Transportation and Labor Codes, workers' compensation and windstorm rules included. Policy forms, coverage theory and textbook material are not asked.
Read the full guide
What the Texas law questions cover
Eight groups: agent, adjuster and public adjuster licensing, claim handling and prompt payment, cancellation and nonrenewal, auto financial responsibility with uninsured motorist and personal injury protection, the windstorm association, FAIR Plan and auto plan, rates, forms and fire insurance law, the guaranty association and workers' compensation. Missed questions wait in their own pile.
Where each Texas answer comes from
Each answer names its section of the Insurance Code, Transportation Code chapter 601 or Labor Code chapters 406 and 408, and links to the Legislature's copy.
Prompt payment: acknowledge by day 15, decide within 15 business days of the last item, pay 5 business days after notice (Ins. Code 542.055-542.057).
Minimum auto liability coverage: $30,000 for one person, $60,000 for two or more, $25,000 for property (Transp. Code 601.072).
Windstorm association: one declination to apply and a claim within one year of the damage. FAIR Plan: two declinations (Ins. Code 2210.202, 2210.573, 2211.151).
Questions and answers
How many questions are on the Texas property and casualty license exam?
This page does not give that number. No code section read for this bank sets the exam's length, time limit or pass mark, and none was copied from the Texas Department of Insurance. Exam mode draws 25 questions as a set size only.
Is this Texas property and casualty practice exam free?
Yes. Every question on this page is free to use, and your answers stay in your browser. It is unofficial practice on Texas law, written for this page from the codes, and not the state's exam.
What is on this Texas property and casualty practice exam?
Texas law only: agent and adjuster licensing, prompt payment, cancellation, auto financial responsibility, the windstorm association and FAIR Plan, rates and forms, the guaranty association and workers' compensation. Policy forms and general insurance theory are not asked.
What are the Texas minimum auto liability limits?
Under Transportation Code Section 601.072, the minimum coverage is $30,000 for bodily injury to or death of one person in one collision, $60,000 for two or more persons, and $25,000 for damage to or destruction of others' property.
How fast must a Texas insurer pay a claim?
Under Insurance Code Sections 542.056 and 542.057, an insurer other than a surplus lines insurer accepts or rejects a claim by the 15th business day after receiving all requested items and pays by the fifth business day after its notice.