Texas All-Lines Adjuster Practice Test
TX Adjuster Perils, Negligence & Liability Practice Questions
Perils, Negligence & Liability makes up 6 of every 50 questions on a Tigertest TX Adjuster practice test. Here are 10 of the 24 questions on it, each with the answer and the reason.
Updated by the Tigertest team. Based on the Pearson VUE Texas all-lines adjuster content outline effective September 2026. Original questions; 50 per test, weighted like the real 150-question exam. Not affiliated with TDI or Pearson VUE.
1. To prove negligence, a claimant must show a duty, a breach of that duty, damages and:
- A.Strict liability
- B.Proximate cause
- C.Intent to harm
- D.A written contract
Answer: B. Negligence has four elements: a legal duty, breach of the duty, proximate cause linking the breach to the harm, and actual damages.
2. Lightning strikes a home's electrical panel, the freezer loses power, and the food inside spoils. Under the proximate cause rule, which event is treated as causing the spoilage?
- A.The warm freezer
- B.The spoiled food
- C.The loss of power
- D.The lightning strike
Answer: D. The proximate cause is the event that sets in motion an unbroken chain of events leading to the loss. Here that chain began with the lightning, and the power loss was only a link in it.
3. A company storing explosives is held liable for blast damage even though it used every precaution. This is:
- A.Strict liability
- B.Contributory negligence
- C.Vicarious liability
- D.Comparative negligence
Answer: A. Strict (absolute) liability applies to ultrahazardous activities and some products regardless of fault or care taken.
4. An employer is held liable for a crash its delivery driver caused while on the job. This is:
- A.Contractual liability
- B.Absolute liability
- C.Vicarious liability
- D.Strict liability
Answer: C. Vicarious liability makes one party answer for another's negligence because of their relationship, such as employer and employee acting in the course of the job.
5. Under Texas proportionate responsibility law, an injured claimant cannot recover damages if the claimant's share of responsibility is:
- A.Equal to 50 percent
- B.Greater than 75 percent
- C.Greater than 50 percent
- D.Greater than 0 percent
Answer: C. Texas follows modified comparative responsibility (Civil Practice and Remedies Code Chapter 33): a claimant more than 50 percent responsible recovers nothing.
6. A Texas jury finds a claimant's damages are $80,000 and that the claimant was 30 percent responsible. The claimant recovers:
- A.$56,000
- B.$24,000
- C.$40,000
- D.$80,000
Answer: A. Texas reduces recoverable damages by the claimant's percentage of responsibility: $80,000 x 70 percent = $56,000.
7. A rule that lets a negligent claimant recover when the defendant had the final opportunity to avoid the accident is:
- A.Attractive nuisance
- B.Assumption of risk
- C.Res ipsa loquitur
- D.Last clear chance
Answer: D. Last clear chance holds the defendant liable if it could have avoided the harm after the claimant's negligence had already placed the claimant in danger.
8. A barrel falls from a warehouse window onto a passerby. Negligence may be inferred without direct proof under:
- A.Comparative fault
- B.Res ipsa loquitur
- C.Last clear chance
- D.Assumption of risk
Answer: B. Res ipsa loquitur (the thing speaks for itself) allows an inference of negligence when the event would not normally happen without negligence and the defendant controlled the cause.
9. A property owner may owe extra care to trespassing children drawn onto the land by an unfenced pool under the doctrine of:
- A.Strict products liability
- B.Attractive nuisance
- C.Last clear chance
- D.Assumption of risk
Answer: B. Attractive nuisance imposes a duty to protect children from dangerous conditions likely to attract them, even when they trespass.
10. A claimant's medical bills and lost wages are:
- A.Punitive damages
- B.Nominal damages
- C.General damages
- D.Special damages
Answer: D. Special damages are measurable out-of-pocket losses. General damages compensate harms with no exact price, such as pain and suffering.
Practice all 24 perils, negligence & liability questions, and the rest of the 200-question bank, in the free TX Adjuster training sets. Questions you miss come back until you have mastered them.
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