FLORIDA 2-20 STATE EXAM PRACTICE
FINAL PAPER 2026 COMPLETE SOLUTIONS
AND CORRECT ANSWERS GRADED A+
⩥ A. Parcel Post. Answer: All of the following are covered by Mail
Coverage (Inland Marine Form) except:
Select one:
A. Parcel Post
B. Registered Mail
C. First Class Mail
D. Express Mail
⩥ D. Refusal to use required safety devices. Answer: Workers'
Compensation will pay benefits for which of the following?
Select one:
A. Injury due to intoxication
B. Intentional self-injury
C. Injury due to illegal drug use
D. Refusal to use required safety devices
⩥ A. $500. Answer: Joe carries $2,000 Medical Payments coverage on
his automobile. Joe's daughter used a friend's automobile and was
involved in an accident resulting in $3,500 in medical bills. The friend
,carries Medical Payments coverage in the amount of $3,000. How much
will Joe's policy pay, if any? (Ignore Personal Injury Protection
coverage)
Select one:
A. $500
B. $1,500
C. $3,000
D. None
⩥ A. $100,000/$300,000 Bodily Injury and $50,000 Property Damage.
Answer: Under FAJUA, the maximum limits for Bodily Injury and
Property Damage are:
Select one:
A. $100,000/$300,000 Bodily Injury and $50,000 Property Damage
B. $100,000/$300,000 Bodily Injury and $25,000 Property Damage
C. No Maximum
D. $250,000/$500,000 Bodily Injury and $100,000 Property Damage
⩥ C. Money loss. Answer: If an insured has Building coverage only,
under the Building and Personal Property Coverage Form, which of the
following items located within the building would not be covered?
Select one:
A. Carpeting
B. Fire Extinguishers
, C. Money loss
D. Refrigerator
⩥ B. Drive Other Car Endorsement. Answer: Smith, Inc. provides an
automobile for an employee who has no automobile of his own. What
additional coverages, of the following, could be added to protect the
employee?
Select one:
A. Additional Personal Injury Protection
B. Drive Other Car Endorsement
C. Extended Non-Owner
D. Miscellaneous Type Vehicles
⩥ B. Farm Property Coverage covers household personal property.
Answer: Which of the following is true regarding Farm Property
Coverage?
Select one:
A. Farm Property Coverage covers growing crops
B. Farm Property Coverage covers household personal property
C. Farm Property Coverage does not cover barns and silos
D. Farm Property Coverage does not cover animals
⩥ B. Will pay injuries to injured customer. Answer: An insured is a
restaurant operator who carries a Commercial General Liability policy.
FINAL PAPER 2026 COMPLETE SOLUTIONS
AND CORRECT ANSWERS GRADED A+
⩥ A. Parcel Post. Answer: All of the following are covered by Mail
Coverage (Inland Marine Form) except:
Select one:
A. Parcel Post
B. Registered Mail
C. First Class Mail
D. Express Mail
⩥ D. Refusal to use required safety devices. Answer: Workers'
Compensation will pay benefits for which of the following?
Select one:
A. Injury due to intoxication
B. Intentional self-injury
C. Injury due to illegal drug use
D. Refusal to use required safety devices
⩥ A. $500. Answer: Joe carries $2,000 Medical Payments coverage on
his automobile. Joe's daughter used a friend's automobile and was
involved in an accident resulting in $3,500 in medical bills. The friend
,carries Medical Payments coverage in the amount of $3,000. How much
will Joe's policy pay, if any? (Ignore Personal Injury Protection
coverage)
Select one:
A. $500
B. $1,500
C. $3,000
D. None
⩥ A. $100,000/$300,000 Bodily Injury and $50,000 Property Damage.
Answer: Under FAJUA, the maximum limits for Bodily Injury and
Property Damage are:
Select one:
A. $100,000/$300,000 Bodily Injury and $50,000 Property Damage
B. $100,000/$300,000 Bodily Injury and $25,000 Property Damage
C. No Maximum
D. $250,000/$500,000 Bodily Injury and $100,000 Property Damage
⩥ C. Money loss. Answer: If an insured has Building coverage only,
under the Building and Personal Property Coverage Form, which of the
following items located within the building would not be covered?
Select one:
A. Carpeting
B. Fire Extinguishers
, C. Money loss
D. Refrigerator
⩥ B. Drive Other Car Endorsement. Answer: Smith, Inc. provides an
automobile for an employee who has no automobile of his own. What
additional coverages, of the following, could be added to protect the
employee?
Select one:
A. Additional Personal Injury Protection
B. Drive Other Car Endorsement
C. Extended Non-Owner
D. Miscellaneous Type Vehicles
⩥ B. Farm Property Coverage covers household personal property.
Answer: Which of the following is true regarding Farm Property
Coverage?
Select one:
A. Farm Property Coverage covers growing crops
B. Farm Property Coverage covers household personal property
C. Farm Property Coverage does not cover barns and silos
D. Farm Property Coverage does not cover animals
⩥ B. Will pay injuries to injured customer. Answer: An insured is a
restaurant operator who carries a Commercial General Liability policy.
