FLORIDA CLAIMS ADJUSTER EXAM WITH COMPLETE
SOLUTIONS GUARANTEED PASS (LATEST UPDATE)
Which of the following is not one of the "Thresholds" in the
"No-Fault" law?
A. Death of the Insured
B. Temporary Injury of the Insured
C. A permanent loss of a bodily function
D. Permanent scarring on the face of the insured - ANSWER ->B.
Temporary Injury of the Insured
Also included: permanent injury other than scarring and
disfigurement
Under Mechanical Breakdown Coverage, new cars are eligible
for service up to:
A. 36 Months/36,000 Miles
B. 24 Months/36,000 Miles
,C. 12,000 Months/12,000 Miles
D. 12 Months/36,000 Miles - ANSWER ->A. 36 Months/36,000
Miles
Used vehicles: 12 Months/12,000 Miles
If financial responsibility doesn't exist at the time of an
accident, which of the following things must happen to avoid
penalties?
A. The legally valid claims of others must be satisfied (up to
10/20/10)
B. The owner and operator must provide certification of future
responsibility for future accidents
C. Both A & B
D. None of the Above - ANSWER ->C. Both A & B
As to required proof for future accidents by purchase of auto
liability insurance, the insurer must make a filing (Form SR-22)
certifying that coverage is in effect, and this certification must
remain on file for years:
A. 1
B. 3
C. 4
D. 2 - ANSWER ->B. 3
The Business Automobile Policy includes all of the following
coverage forms except: A. The Garage Coverage Form
B. The Trailer Interchange Coverage Form
,C. The Truckers Coverage Form
D. The Business Auto Coverage Form - ANSWER ->B. The Trailer
Interchange Coverage Form
Personal Injury Protection, or PIP, has a per
person, per accident limit.
A. 10,000
B. 20,000
C. 1,000
D. Depends on the damaged property - ANSWER ->A. 10,000
Used to insure businesses engaged in selling, servicing,
repairing, parking or storing automobiles:
A. Servicing Coverage Form
B. Garage Coverage Form
C. Truckers Coverage Form
D. None of the Above - ANSWER ->B. Garage Coverage Form
The following examples are referred to as liability
limits: 25/50/25 or 10/20/10.
A. Split
B. Single
C. Straight
D. None of the Above - ANSWER ->A. Split
10/20/10 =
10,000 per person injured
20,000 all injuries combined
, 10,000 property damage
Example of straight liability limit = $30,000
Jeremy has a not at fault accident. If he has PIP with a $1,000
deductible, how much can he expect his PIP coverage to pay
toward his medical bills that total $3,000?
A. $1,600
B. $1,000
C. $2,400
D. $3,000 - ANSWER ->A. $1,600
3000 (bills) - 1000 (deductible) =
2000 x .80 (eighty percent)
Frank has a not-at-fault accident, he has basic PIP, no
deductible and Med pay of $5,000. How much will his Med Pay
contribute to medical bills of $15,000?
A. $15,000
B. $5,000
C. $3,000
D. $0, Frank is not-at-fault - ANSWER ->B. $5,000
Medical Payment limits apply per person; Frank will receive full
amount towards medical bills.
Which of the following is not one of the rating factors for a
Homeowner's Policy?
A. Type of Construction
B. Location of Risk
SOLUTIONS GUARANTEED PASS (LATEST UPDATE)
Which of the following is not one of the "Thresholds" in the
"No-Fault" law?
A. Death of the Insured
B. Temporary Injury of the Insured
C. A permanent loss of a bodily function
D. Permanent scarring on the face of the insured - ANSWER ->B.
Temporary Injury of the Insured
Also included: permanent injury other than scarring and
disfigurement
Under Mechanical Breakdown Coverage, new cars are eligible
for service up to:
A. 36 Months/36,000 Miles
B. 24 Months/36,000 Miles
,C. 12,000 Months/12,000 Miles
D. 12 Months/36,000 Miles - ANSWER ->A. 36 Months/36,000
Miles
Used vehicles: 12 Months/12,000 Miles
If financial responsibility doesn't exist at the time of an
accident, which of the following things must happen to avoid
penalties?
A. The legally valid claims of others must be satisfied (up to
10/20/10)
B. The owner and operator must provide certification of future
responsibility for future accidents
C. Both A & B
D. None of the Above - ANSWER ->C. Both A & B
As to required proof for future accidents by purchase of auto
liability insurance, the insurer must make a filing (Form SR-22)
certifying that coverage is in effect, and this certification must
remain on file for years:
A. 1
B. 3
C. 4
D. 2 - ANSWER ->B. 3
The Business Automobile Policy includes all of the following
coverage forms except: A. The Garage Coverage Form
B. The Trailer Interchange Coverage Form
,C. The Truckers Coverage Form
D. The Business Auto Coverage Form - ANSWER ->B. The Trailer
Interchange Coverage Form
Personal Injury Protection, or PIP, has a per
person, per accident limit.
A. 10,000
B. 20,000
C. 1,000
D. Depends on the damaged property - ANSWER ->A. 10,000
Used to insure businesses engaged in selling, servicing,
repairing, parking or storing automobiles:
A. Servicing Coverage Form
B. Garage Coverage Form
C. Truckers Coverage Form
D. None of the Above - ANSWER ->B. Garage Coverage Form
The following examples are referred to as liability
limits: 25/50/25 or 10/20/10.
A. Split
B. Single
C. Straight
D. None of the Above - ANSWER ->A. Split
10/20/10 =
10,000 per person injured
20,000 all injuries combined
, 10,000 property damage
Example of straight liability limit = $30,000
Jeremy has a not at fault accident. If he has PIP with a $1,000
deductible, how much can he expect his PIP coverage to pay
toward his medical bills that total $3,000?
A. $1,600
B. $1,000
C. $2,400
D. $3,000 - ANSWER ->A. $1,600
3000 (bills) - 1000 (deductible) =
2000 x .80 (eighty percent)
Frank has a not-at-fault accident, he has basic PIP, no
deductible and Med pay of $5,000. How much will his Med Pay
contribute to medical bills of $15,000?
A. $15,000
B. $5,000
C. $3,000
D. $0, Frank is not-at-fault - ANSWER ->B. $5,000
Medical Payment limits apply per person; Frank will receive full
amount towards medical bills.
Which of the following is not one of the rating factors for a
Homeowner's Policy?
A. Type of Construction
B. Location of Risk
