Personal Lines exam topics
Home, auto, liability, policy language, and Texas rules tested on this exam.
Showing 321 to 330 of 352 articles · Page 33 of 36
- Negligence vs. Strict Liability in InsuranceNegligence generally requires proving a legal duty, breach, causation, and damages. Strict liability can impose responsibility without proving neglige…
- Concurrent Causes in a Property Insurance ClaimConcurrent causation arises when more than one event contributes to a loss, such as wind and flood damage during one storm. Texas courts analyze polic…
- Blanket Limit vs. Scheduled Property InsuranceA blanket limit covers a defined group of property under one shared limit, while scheduled insurance lists particular property and assigns a stated li…
- Texas Home and Auto Insurance Consumer Bills of RightsTexas requires insurers writing personal auto and residential property policies to provide the applicable Consumer Bill of Rights with a new policy an…
- Texas Insurance Credit-Based Scoring RulesTexas insurers may use credit information in underwriting or rating personal insurance, but Insurance Code Chapter 559 restricts how it may be used. C…
- Adverse Action Notices for Insurance Consumer ReportsAn adverse-action notice explains when an insurer takes a qualifying unfavorable action based on a consumer report, such as denying or pricing coverag…
- How to Verify a Texas Insurance Agent's LicenseSearch TDI’s agent lookup by the producer’s legal name or license number, then confirm the license status and lines of authority. Separately verify an…
- How to Verify a Texas Insurance Company's AuthoritySearch TDI’s company licensing records using the insurer’s exact legal name or NAIC number, then confirm its Texas status and authorized lines. Verify…
- Texas Agent Appointment TerminationAn insurer appointment authorizes a licensed producer to represent that insurer under the applicable relationship; terminating it does not automatical…
- Texas Personal Lines Agent Continuing Education ExemptionsTexas Personal Lines P&C agents generally complete 24 continuing-education hours per two-year renewal period, including three ethics hours. TDI descri…