Property and casualty insurance (Texas) InsTX-PC full analysis: what the $39 report shows
Practice and timed mocks are free, with right or wrong on every answer and your total score.
A real question from the full analysis
This is how each question you miss appears in the report. The question, the right answer, the explanation and the source are real. The answer shown as yours is an example, not anyone's data.
Mia's insurer pays an $8,000 collision claim after another driver runs a red light and hits her car. Which party may the insurer pursue to recover the amount it paid?
- A Mia herself, because her car was the one involved in the crash
- B Mia's agent, because the agent placed the policy that paid the claim
- C The at-fault driver, or that driver's insurer, through subrogation
- D No one, because paying the claim ends all of the insurer's rights
Example answer, marked sure: A · Correct answer: C
C is correct. TDI's glossary describes subrogation as the legal right of an insurance company to pursue another person's insurance company after that person caused a loss to the insurer's policyholder. The other driver caused this crash. A is wrong because Mia did not cause the loss. B is wrong because the agent did not cause the loss. D is wrong because paying the claim is what creates the right. Remember: after paying, the insurer steps into the insured's shoes against the responsible party.
Readiness by domain uses the weights of the real exam: Property and Casualty General Knowledge, I. Types of Policies 16.9%, Property and Casualty General Knowledge, II. Insurance Terms and Related Concepts 11.5%, Property and Casualty General Knowledge, III. Policy Provisions and Contract Law 10%, Property and Casualty General Knowledge, IV. Types of Policies, Bonds, and Related Terms 17.7%, Property and Casualty General Knowledge, V. Insurance Terms and Related Concepts (liability and contract concepts) 11.5%, Property and Casualty General Knowledge, VI. Policy Provisions 9.4%, Property and Casualty Agent State Specific, I. Texas Statutes and Rules Common to Property and Casualty Insurance 13.8%, Property and Casualty Agent State Specific, II. Texas Statutes and Rules Pertinent to Property and Casualty Insurance 9.2%.
What the full analysis adds
- The right answer to every question, the explanation, and the primary source it comes from.
- Readiness by domain, weighted like the real exam, so you know which domain would sink you.
- Where you were sure and wrong: the answers that would cost you on exam day.
- Time per question by domain, against the exam clock.
- Every question you missed, in one list, with its explanation.
- A study plan that starts with your weakest domain: what it covers, the key concepts, and the official sources to read.