Course Description

✅ 4 HRs Personal Auto and Umbrella Insurance (CEQ) – Texas Insurance Agent

Approved by Texas Department of Insurance | Approved Provider #233452 | Approved Course #147982 ✅
Only $19.99 | No Added or Extra Fees | $5.20 TDI Filing Fee Included | CEQ Course

Complete 4 hours of Texas insurance continuing education online with this TDI-approved Classroom-Equivalent (CEQ) course focused on personal auto insurance and umbrella liability coverage. This course is designed for Texas insurance agents who want practical training on auto policy structure, liability limits, UM/UIM, PIP, MedPay, physical damage, endorsements, underwriting considerations, claim scenarios, and when a personal umbrella policy may respond.

The price is only $19.99, and there are no added or extra fees. The $5.20 TDI filing fee is already included in the course price. You can log in and out any time without losing your progress, complete the course on your own schedule, and receive your instant emailed certificate after completion.

✅ Who This Course Is For

This course is designed for Texas insurance agents who need approved continuing education and want a practical course focused on personal auto and umbrella insurance.

This course is a good fit for:

✅ Texas Property and Casualty agents
✅ Texas Personal Lines agents
✅ Texas General Lines agents
✅ Agents who sell or service personal auto policies
✅ Agents who discuss umbrella liability coverage with clients
✅ Agents who want to better explain limits, endorsements, exclusions, UM/UIM, PIP, MedPay, and physical damage coverage
✅ Agents who need Classroom-Equivalent (CEQ) credit
✅ Agents who want a low-cost course with the TDI filing fee already included

This is a general CEQ course with a personal lines insurance focus. It is not an ethics-designated course, so if you still need your required ethics hours, make sure you also complete a TDI-approved ethics course.

✅ Texas Insurance License Renewal Requirements

Most Texas insurance agents must complete continuing education every two-year license period. For many common license types, Texas requires 24 hours of continuing education, including 3 hours of ethics. Texas also requires at least half of the required CE hours to be completed in a classroom or classroom-equivalent format.

Because this course is approved as a CEQ course, it can help satisfy the classroom-equivalent portion of the Texas insurance CE requirement.

Some limited license types may have different CE requirements, so agents should always confirm their exact requirement based on their license type and current TDI/Sircon transcript.

✅ When Do Texas Insurance Agents Have to Renew?

Texas insurance licenses renew on a two-year cycle. Your renewal deadline is based on the expiration date listed for your license.

To avoid fines and renewal delays, complete your continuing education before your license expiration date. It is best to finish CE early so there is enough time for the course completion to be reported and posted to your CE transcript.

✅ How to Renew Your Texas Insurance License

✅ Step 1: Check your CE requirement
Confirm your license type and review your CE transcript to see how many hours you still need.

✅ Step 2: Complete your required CE hours
Most Texas insurance agents need 24 CE hours per license period, including 3 ethics hours and enough classroom or classroom-equivalent hours.

✅ Step 3: Take this CEQ course online
Complete this 4-hour Personal Auto and Umbrella Insurance course online at your own pace.

✅ Step 4: Receive your instant emailed certificate
After completion, your certificate is emailed to you for your records.

✅ Step 5: We report your completion
Your completion is reported to TDI/Sircon for Texas insurance CE credit.

✅ Step 6: Renew your license
Once your CE is complete and posted, submit your Texas insurance license renewal before the expiration date.

✅ What You’ll Learn in This 4-Hour CEQ Course

This 4-hour Classroom-Equivalent course provides an applied overview of personal automobile insurance in Texas and personal umbrella liability coverage. The course covers core coverages, limits, UM/UIM, PIP, MedPay, physical damage, endorsements, underwriting issues, claim scenarios, and umbrella liability concepts.

✅ Hour 1: Texas Personal Auto Policy Foundations and Liability Coverage

This section reviews the foundation of personal auto insurance and how liability coverage works in real claim situations.

Topics include:

✅ Personal auto policy structure
✅ Key definitions that affect coverage
✅ Who is insured under the policy
✅ What vehicles are covered
✅ Ownership and use considerations
✅ Bodily injury and property damage liability
✅ Defense obligations and permissive use issues
✅ Split limits versus combined single limits
✅ Negligence basics and common Texas loss patterns
✅ Liability claim scenarios involving multiple vehicles, injuries, fault allocation, and coverage triggers

✅ Hour 2: First-Party Auto Coverages – UM/UIM, PIP, MedPay, and Physical Damage

This section focuses on first-party auto coverages and how they may respond after an accident or covered loss.

Topics include:

✅ Uninsured Motorist and Underinsured Motorist coverage
✅ How UM/UIM may respond when the at-fault driver has no insurance or not enough insurance
✅ PIP and Medical Payments coverage
✅ Eligibility and coordination with health insurance
✅ Common misunderstandings after a crash
✅ Comprehensive versus collision coverage
✅ Deductibles and claim handling expectations
✅ Theft, hail, glass, animal impact, and mixed-loss scenarios
✅ Case studies involving injuries, vehicle damage, and uninsured drivers

✅ Hour 3: Endorsements, Special Exposures, and Policy Customization

This section reviews common policy options and special exposures that can create coverage gaps if not addressed correctly.

Topics include:

✅ Rental reimbursement
✅ Towing and labor
✅ Custom equipment
✅ Gap-style concepts where applicable
✅ Youthful drivers and household members
✅ Permissive use issues
✅ Rideshare, delivery, and business use limitations
✅ MVR, garaging, mileage, credit-based factors where applicable, and prior losses
✅ Premium, deductible, limit, and endorsement balancing
✅ Suitability and clear disclosure practices

✅ Hour 4: Personal Umbrella Liability – How It Works, When It Responds, and Compliance

This section explains how umbrella liability coverage works and how it may provide additional protection above auto or home liability policies.

Topics include:

✅ Umbrella policy fundamentals
✅ Excess and broader coverage concepts
✅ How umbrella policies typically sit over auto and home coverage
✅ Required underlying limits
✅ Retention concepts and common exclusions
✅ When an umbrella may not respond
✅ High-severity auto losses
✅ Multi-party accidents and lawsuit defense costs
✅ Reputation or defamation-style allegations where applicable
✅ Accurate representations, limit selection rationale, disclosure habits, and complaint prevention

✅ CEQ Course Format and Assessment

This is a Classroom-Equivalent (CEQ) course approved by the Texas Department of Insurance. The course includes interactive inquiry questions throughout the training.

Course format includes:

✅ 4 total CE hours
✅ Classroom-Equivalent (CEQ) format
✅ 100% online access
✅ Self-paced learning
✅ Interactive inquiry quizzes after each subtopic
✅ 5 questions per inquiry
✅ 70% minimum passing score per inquiry
✅ Instant emailed certificate after completion

✅ Why Choose 1st Choice CE?

✅ Approved by the Texas Department of Insurance
✅ Approved Provider #233452
✅ Approved Course #147982
✅ Only $19.99
✅ No added or extra fees
✅ $5.20 TDI filing fee already included
✅ Classroom-Equivalent (CEQ) credit
✅ 100% online and self-paced
✅ Log in and out any time without losing progress
✅ Instant emailed certificate after completion
✅ Completion reported to TDI/Sircon for Texas insurance CE credit
✅ Money-back guarantee
✅ Over 10 years of trusted continuing education service
✅ Support by phone or text – 1-800-698-2770

✅ Enroll Now – Only $19.99

This is a fast, affordable way to complete 4 hours of Texas insurance CEQ credit online. Learn practical personal auto and umbrella insurance concepts, strengthen your client coverage conversations, and keep your license renewal on track.

✅ Frequently Asked Questions

Is this course approved by the Texas Department of Insurance?
Yes. This course is approved by the Texas Department of Insurance. 1st Choice CE is Approved Provider #233452, and this course is Approved Course #147982.

What does CEQ mean?
CEQ means Classroom-Equivalent. Texas requires at least half of required CE hours to be completed through classroom or classroom-equivalent courses, and this course is approved in that format.

How many CE hours is this course?
This course provides 4 hours of Texas insurance continuing education.

Does the $19.99 price include the TDI filing fee?
Yes. The $5.20 TDI filing fee is already included. There are no added or extra fees.

Does this course count as ethics?
No. This is a general CEQ course focused on personal auto and umbrella insurance. If you still need ethics hours, you must complete a separate TDI-approved ethics course.

Who should take this course?
This course is a good fit for Texas insurance agents who need CEQ credit and want practical training on personal auto insurance, UM/UIM, PIP, MedPay, physical damage, endorsements, underwriting, claim scenarios, and umbrella liability coverage.

Can I take this course online?
Yes. This course is 100% online and self-paced.

Can I log in and out without losing my progress?
Yes. Your progress is saved, so you can return anytime and continue where you left off.

Do I get a certificate after completing the course?
Yes. You receive an instant emailed certificate after course completion.

Do you report my completion?
Yes. Your course completion is reported to TDI/Sircon for Texas insurance CE credit.

When do I need to complete my Texas insurance CE?
You should complete your CE before your license expiration date. Completing your CE early helps avoid fines, renewal delays, and last-minute issues.

What does this course cover?
The course covers personal auto policy structure, liability coverage, UM/UIM, PIP, MedPay, comprehensive and collision coverage, endorsements, special driver and vehicle exposures, underwriting considerations, claim scenarios, and personal umbrella liability.

Course Details

• Approved by Texas Department of Insurance
• Approved Provider #233452
• Approved Course #147982
• Instant Access - Online Course.
• Study At Your Own Pace. Anytime.
• On Any Device. Phone, Tablet, or Computer.
• Hassle Free Navigation. Easy to Follow.
• Certificate emailed immediately upon completion.
• 1-800-698-2770 for any questions.