FLORIDA STATUTES RULES AND REGULATIONS
COMMON STUDY GUIDE 2026 SOLVED
QUESTIONS WITH ACCURATE ANSWERS
GRADED A+
◉ In Florida, the Financial Responsibility Law is administered by
Answer: Department of Highway Safety and Motor Vehicles.
◉ What is the benefit of experience rating? Answer: It allows
employers with low claims experience to get lower premiums.
◉ How does a member of an HMO see a specialist? Answer: The
primary care physician refers the member.
◉ The insured's health policy only pays for medical costs related to
accidents. Which of the following types of policies does the insured
have? Answer: Accident-only
◉ The provision which states that both the printed contract and a
copy of the application for the contract between the policyowner
and the insurer is called the Answer: Entire contract.
, ◉ In group insurance, what is the policy called? Answer: Master
policy
◉ An insured is involved in a boating accident which injures his legs
severely enough to confine him to a wheelchair. He works as a
booking agent for an airline, which means that in order for him to
work, he must sit at a desk all day. What disability benefits would
the insured receive? Answer: No benefits
◉ Which of the following groups would probably be covered by
blanket insurance? Answer: A university's sports team
◉ Which of the following entities are responsible for making
premium payments in medical plans? Answer: Subscribers
◉ How many hours of continuing education are general lines agents
required to complete every year on the subject of hurricane
mitigation options? Answer: Each licensed general lines agent must
complete 1 hour of continuing education every 2 year.
◉ Joe has tried to obtain automobile insurance in the voluntary
market multiple times, but is always turned down. He meets all the
general qualifications for auto insurance. Who can Joe go to for auto
insurance now? Answer: Florida Automobile Joint Underwriting
Association. was developed to provide coverage to individuals that
are unable to secure coverage in the voluntary market, but
COMMON STUDY GUIDE 2026 SOLVED
QUESTIONS WITH ACCURATE ANSWERS
GRADED A+
◉ In Florida, the Financial Responsibility Law is administered by
Answer: Department of Highway Safety and Motor Vehicles.
◉ What is the benefit of experience rating? Answer: It allows
employers with low claims experience to get lower premiums.
◉ How does a member of an HMO see a specialist? Answer: The
primary care physician refers the member.
◉ The insured's health policy only pays for medical costs related to
accidents. Which of the following types of policies does the insured
have? Answer: Accident-only
◉ The provision which states that both the printed contract and a
copy of the application for the contract between the policyowner
and the insurer is called the Answer: Entire contract.
, ◉ In group insurance, what is the policy called? Answer: Master
policy
◉ An insured is involved in a boating accident which injures his legs
severely enough to confine him to a wheelchair. He works as a
booking agent for an airline, which means that in order for him to
work, he must sit at a desk all day. What disability benefits would
the insured receive? Answer: No benefits
◉ Which of the following groups would probably be covered by
blanket insurance? Answer: A university's sports team
◉ Which of the following entities are responsible for making
premium payments in medical plans? Answer: Subscribers
◉ How many hours of continuing education are general lines agents
required to complete every year on the subject of hurricane
mitigation options? Answer: Each licensed general lines agent must
complete 1 hour of continuing education every 2 year.
◉ Joe has tried to obtain automobile insurance in the voluntary
market multiple times, but is always turned down. He meets all the
general qualifications for auto insurance. Who can Joe go to for auto
insurance now? Answer: Florida Automobile Joint Underwriting
Association. was developed to provide coverage to individuals that
are unable to secure coverage in the voluntary market, but
