Personal Lines exam topics

Home, auto, liability, policy language, and Texas rules tested on this exam.

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Texas Personal Lines Agent vs. Claims AdjusterA Personal Lines agent helps solicit, arrange, and service insurance within the agent’s license and authority. A claims adjuster investigates a report…
Captive vs. Independent Personal Lines AgentA captive agent works for or represents one insurance company and generally sells that company’s policies. An independent agent works with multiple in…
How Texas Personal Lines Agents Are PaidTexas Personal Lines agents may be paid by salary, commission, salary plus commission, or salary plus bonuses, depending on their employer and contrac…
Texas Personal Lines Agent Salary: How to Read Pay DataThere is no official wage series just for Texas Personal Lines agents. BLS reports wages for the broader occupation “Insurance Sales Agents” (SOC 41-3…
Starting a Personal Lines Insurance Agency in TexasTo start a Texas Personal Lines agency, plan for both the business entity and the licensed people who will sell insurance. TDI requires a separate age…
What Happens When Auto Liability Limits Are Exhausted?When covered damages exceed the remaining auto liability limit, the policy generally cannot pay more than that limit for the applicable coverage, subj…
Gap Insurance vs. Collision CoverageCollision coverage pays for covered damage to your insured vehicle after a collision, subject to the policy limit and deductible. GAP coverage address…
Does Auto Insurance Cover a Hit-and-Run?It can. In Texas, collision coverage may pay to repair your car after a hit-and-run, subject to its deductible. Uninsured/underinsured motorist (UM/UI…
Uninsured Motorist Bodily Injury vs. Property DamageUninsured/underinsured motorist bodily injury (UM/UIM BI) addresses covered injury damages you are legally entitled to recover from an uninsured or un…
UM/UIM vs. Collision After an Uninsured-Driver CrashAfter an uninsured-driver crash, collision can pay for covered damage to your car regardless of fault, subject to its deductible. UM/UIM property-dama…