Texas All-Lines Adjuster Practice Test

TX Adjuster Personal & Commercial Auto Practice Questions

Personal & Commercial Auto makes up 4 of every 50 questions on a Tigertest TX Adjuster practice test. Here are 10 of the 16 questions on it, each with the answer and the reason.

Updated 2026-11-10 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. 1. An insured with 50/100/25 auto liability limits is at fault in a crash. One injured driver has damages of $60,000, a passenger $30,000, and vehicle damage totals $32,000. The insurer pays:

   • A.$122,000
   • B.$105,000
   • C.$112,000
   • D.$115,000

   Answer: B. Bodily injury is capped at $50,000 per person, so the claims pay $50,000 + $30,000 = $80,000, within the $100,000 per accident limit. Property damage is capped at $25,000, for a total of $105,000.

2. 2. A car with an actual cash value of $14,000 would cost $16,500 to repair. With a $500 collision deductible, the insurer pays:

   • A.$16,000
   • B.$16,500
   • C.$14,000
   • D.$13,500

   Answer: D. Physical damage pays the lesser of actual cash value or the cost to repair, less the deductible: $14,000 - $500 = $13,500.

3. 3. A tree limb falls on the insured's parked car. Under the Personal Auto Policy this is paid as:

   • A.Other than collision
   • B.Medical payments
   • C.Collision
   • D.Property damage liability

   Answer: A. Falling objects are listed among other than collision perils, with fire, theft, hail and contact with a bird or animal.

4. 4. A collision shatters the windshield of a car insured for both collision and other than collision. Under the Personal Auto Policy, the glass damage:

   • A.Is excluded as wear
   • B.Is paid under Part A
   • C.May be treated as collision
   • D.Must go under other than collision

   Answer: C. When glass breakage is caused by a collision, the insured may elect to have it considered a collision loss, which avoids paying two deductibles.

5. 5. A person claiming medical payments under a Personal Auto Policy can be required to:

   • A.Waive uninsured motorists
   • B.Use only network clinics
   • C.See doctors the insurer picks
   • D.Sue the at-fault driver first

   Answer: C. A person seeking Part B or Part C benefits must submit to physical exams by physicians the insurer selects, as often as reasonably required, and authorize release of medical records.

6. 6. In the Business Auto Coverage Form, which covered auto symbol gives liability coverage for any auto?

   • A.Symbol 1
   • B.Symbol 7
   • C.Symbol 9
   • D.Symbol 2

   Answer: A. Symbol 1 means any auto. Symbol 2 is owned autos only, 7 is specifically described autos and 9 is non-owned autos.

7. 7. A company rents a van for a week. The company's liability for it is covered under the business auto form if the declarations show symbol:

   • A.9, non-owned autos
   • B.7, described autos
   • C.2, owned autos
   • D.8, hired autos

   Answer: D. Symbol 8 covers autos the named insured leases, hires, rents or borrows. Non-owned autos (symbol 9) are those used in the business but owned by others, such as employees.

8. 8. An employee runs company errands in her own car and causes a crash. The employer's liability for that car is covered when the business auto declarations show symbol:

   • A.4, owned non-private
   • B.9, non-owned autos
   • C.8, hired autos
   • D.3, private passenger

   Answer: B. Symbol 9 covers autos the business does not own, lease, hire or borrow that are used in its business, including employees' personal autos.

9. 9. An employee drives her own car on company business and causes a crash. Under the employer's business auto policy with symbol 1, the employee herself is:

   • A.Covered only while on the clock
   • B.Not an insured for her own car
   • C.An insured with full limits
   • D.Covered only for bodily injury

   Answer: B. The business auto form excludes from who is an insured an employee using a covered auto that the employee or a household member owns. Her own auto policy covers her.

10. 10. An insured backs into her own garage door. The Part A liability coverage of her Personal Auto Policy:

    • A.Pays the door less a deductible
    • B.Pays half the cost of the door
    • C.Pays the door in full
    • D.Pays nothing for the door

    Answer: D. Part A excludes property damage to property owned or being transported by the insured. Liability coverage pays others, not the insured's own property.