Texas All-Lines Adjuster Practice Test
TX Adjuster Texas Claims Practices Practice Questions
Texas Claims Practices makes up 3 of every 50 questions on a Tigertest TX Adjuster practice test. Here are 10 of the 12 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. If a Texas insurer cannot accept or reject a first-party claim in time, it must tell the claimant why and then decide within:
- A.60 days of that notice
- B.45 days of that notice
- C.15 days of that notice
- D.30 days of that notice
Answer: B. Insurance Code 542.056(d) requires notice of the reasons more time is needed within the normal period, then acceptance or rejection no later than the 45th day after that notice.
2. When a Texas insurer has a reasonable basis to believe a loss resulted from arson, it must accept or reject the claim within how many days after receiving all required items?
- A.45 days
- B.60 days
- C.15 days
- D.30 days
Answer: D. Insurance Code 542.056(b) allows 30 days, instead of 15 business days, when the insurer reasonably believes the loss resulted from arson.
3. After notifying a claimant that a claim will be paid, a Texas insurer that is not a surplus lines insurer must pay within:
- A.Five business days
- B.Twenty business days
- C.15 business days
- D.10 calendar days
Answer: A. Insurance Code 542.057 requires payment no later than the fifth business day after notice of acceptance, or after the claimant performs any condition of payment.
4. After a weather-related catastrophe or major natural disaster, as defined by the commissioner, Texas prompt payment deadlines are extended by:
- A.An extra 45 days
- B.An extra five days
- C.An extra 15 days
- D.An extra 30 days
Answer: C. Insurance Code 542.059(b) extends the Subchapter B claim-handling deadlines for an additional 15 days in the event of a weather-related catastrophe or major natural disaster, as defined by the commissioner.
5. In a case not governed by Chapter 542A, an insurer that violates the Texas prompt payment of claims law owes the claim plus attorney's fees and interest at an annual rate of:
- A.12 percent
- B.6 percent
- C.18 percent
- D.10 percent
Answer: C. Insurance Code 542.060(a) adds interest at 18 percent a year as damages, plus reasonable attorney's fees. Cases under Chapter 542A use a lower, market-based rate.
6. When a Texas insurer rejects a first-party claim, its written notice must:
- A.Give the reasons
- B.Come from a lawyer
- C.Offer appraisal
- D.Include a refund
Answer: A. Insurance Code 542.056(c) requires a rejection notice to state the reasons for the rejection.
7. If a Texas insurer acknowledges receipt of a claim by phone rather than in writing, it must:
- A.Report it to the commissioner
- B.Get the claimant's signature
- C.Repeat it by certified mail
- D.Keep a record of the call
Answer: D. Insurance Code 542.055(c) requires the insurer to record the date, manner and content of an acknowledgment that is not made in writing.
8. An insurer routinely offers far less than claims are worth, so that policyholders must sue to collect. Under Texas law this is:
- A.Permitted for disputed claims
- B.An unfair claim settlement practice
- C.Allowed if the offer is in writing
- D.A matter only for the courts
Answer: B. Insurance Code 542.003 lists compelling policyholders to sue by offering substantially less than the amounts they later recover as an unfair claim settlement practice.
9. Under Texas rules, an insurer generally may not require federal income tax returns to settle a claim unless a court orders it or the claim involves:
- A.A liability claim by a guest
- B.A fire loss or lost income
- C.Any loss over the deductible
- D.A personal auto collision
Answer: B. 28 TAC 21.203 makes requiring tax returns an unfair claim settlement practice except under court order or for fire losses and claims for lost profits or income.
10. An adjuster holds up payment on a clearly owed collision claim to pressure the insured into settling a disputed medical claim. This is:
- A.Allowed with a reservation
- B.A lawful setoff of claims
- C.Proper claim handling
- D.An unfair claim practice
Answer: D. 28 TAC 21.203 prohibits delaying a claim where liability is reasonably clear under one coverage to influence settlement under another coverage.
Practice all 12 texas claims practices 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.
Start practicingFree to start. No account needed.