FLORIDA INSURANCE PERSONAL LINES
LICENSE 20 44 OFFICIAL QUESTION BANK
2026 EXPERT VERIFIED ANSWER SET
SUCCESS KIT GRADED A+
⩥ What is a private passenger auto operated by the named insured that is
not titled to the insured and is borrowed considered?
Answer: Nonowned auto
⩥ What does the term proximate cause refer to?
Answer: The reasonably foreseeable act or event that results in an injury
or damage.
⩥ Who is covered by an HO-4 policy?
Answer: Tenants
⩥ When do changes made to broaden coverage in a dwelling policy
apply?
Answer: Automatically
⩥ How much can the owner collect for a loss if a $100,000 house
insured with an 80% coinsurance requirement has $40,000 of damage
and is insured for $60,000?
,Answer: $30,000
⩥ In a comparative negligence scenario, how much will the speeding
driver be able to collect if they are 20% at fault?
Answer: 20%
⩥ How is the term 'accident' best defined?
Answer: A sudden, unplanned and unexpected event, not under the
control of the insured, resulting in injury or damage neither expected nor
intended.
⩥ What does an uninsured motor vehicle NOT include?
Answer: A vehicle owned and operated by a self-insurer.
⩥ What amount is an insurer obligated to pay if an insured has a
standard HO-4 policy with a $30,000 limit and suffers a loss of $20,000
after depreciation?
Answer: $16,000
⩥ How many days does the named insured have to notify the insurer
about a newly acquired auto for coverage to apply?
Answer: 14 days
, ⩥ Which vehicle could be classified as a nonowned auto under a
personal auto policy?
Answer: A vehicle that is titled to another person, but is being used with
permission by an insured.
⩥ What section of an insurance policy details what perils are not insured
against?
Answer: Exclusions
⩥ Who would NOT be considered an insured under a homeowners
policy?
Answer: A divorced spouse living in another state.
⩥ According to the standard mortgage clause, who has the right to bring
a suit in their own name to recover damages?
Answer: The mortgagee
⩥ What is the role of the Fair Credit Reporting Act?
Answer: To protect consumers against the circulation of inaccurate or
obsolete information.
⩥ What does insurance transfer?
Answer: Risk of loss from an individual or a business entity to an
insurance company.
LICENSE 20 44 OFFICIAL QUESTION BANK
2026 EXPERT VERIFIED ANSWER SET
SUCCESS KIT GRADED A+
⩥ What is a private passenger auto operated by the named insured that is
not titled to the insured and is borrowed considered?
Answer: Nonowned auto
⩥ What does the term proximate cause refer to?
Answer: The reasonably foreseeable act or event that results in an injury
or damage.
⩥ Who is covered by an HO-4 policy?
Answer: Tenants
⩥ When do changes made to broaden coverage in a dwelling policy
apply?
Answer: Automatically
⩥ How much can the owner collect for a loss if a $100,000 house
insured with an 80% coinsurance requirement has $40,000 of damage
and is insured for $60,000?
,Answer: $30,000
⩥ In a comparative negligence scenario, how much will the speeding
driver be able to collect if they are 20% at fault?
Answer: 20%
⩥ How is the term 'accident' best defined?
Answer: A sudden, unplanned and unexpected event, not under the
control of the insured, resulting in injury or damage neither expected nor
intended.
⩥ What does an uninsured motor vehicle NOT include?
Answer: A vehicle owned and operated by a self-insurer.
⩥ What amount is an insurer obligated to pay if an insured has a
standard HO-4 policy with a $30,000 limit and suffers a loss of $20,000
after depreciation?
Answer: $16,000
⩥ How many days does the named insured have to notify the insurer
about a newly acquired auto for coverage to apply?
Answer: 14 days
, ⩥ Which vehicle could be classified as a nonowned auto under a
personal auto policy?
Answer: A vehicle that is titled to another person, but is being used with
permission by an insured.
⩥ What section of an insurance policy details what perils are not insured
against?
Answer: Exclusions
⩥ Who would NOT be considered an insured under a homeowners
policy?
Answer: A divorced spouse living in another state.
⩥ According to the standard mortgage clause, who has the right to bring
a suit in their own name to recover damages?
Answer: The mortgagee
⩥ What is the role of the Fair Credit Reporting Act?
Answer: To protect consumers against the circulation of inaccurate or
obsolete information.
⩥ What does insurance transfer?
Answer: Risk of loss from an individual or a business entity to an
insurance company.
