Last-hour review
Texas P&C last-hour refresher
Identify whose loss—and which coverage. Texas outline effective September 1, 2026. Selected last-hour study reminders, not complete exam coverage.
Free edition · 2 of 8 sections
Start with something useful.
Replacement cost ≠ actual cash value
Replacement cost uses the cost to repair or replace without deducting depreciation. Actual cash value subtracts depreciation from replacement cost.
A limit or deductible can still affect payment. Replacement cost is a valuation method, not a promise to pay any amount requested.
Liability versus your vehicle
Liability addresses qualifying injury or damage owed to others. Collision addresses damage to the insured vehicle from a collision with a vehicle or object.
Comprehensive addresses covered noncollision losses, such as theft. Do not put theft into collision merely because the property is a car.
Two free sections from edition v2026-09-05. Independent AI edition review: 2026-09-05. Review method and corrections.
Full edition · 8 sections
One last, focused look.
$2.99 USD · one-time
- Eight compact sections on important, easily confused ideas.
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- Independent AI review—not described as human or expert review.
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Selected reminders, not a full syllabus, official exam aid, or professional advice. Check your exam version and permitted materials. Never take this sheet into an exam unless the provider expressly permits it.