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…