1|Page
Florida Claims Adjuster Exam ,Most Recent Exam
2026 Actual Complete Real Exam Questions And
Correct Answers||Verified Exam!!! (Verified Answers)
Already Graded A+ | Newest Exam!!!
Under Mechanical Breakdown Coverage, *new cars are
eligible for service up to:* - Answers-36 Months/36,000
Miles
Used vehicles: 12 Months/12,000 Miles
If financial responsibility doesn't exist at the time of an
accident, what happens? - Answers-The legally valid
claims of others must be satisfied (10/20/10)
The owner and operator must provide certification of future
responsibility for future accidents
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 -
Answers-3
,2|Page
The Business Automobile Policy includes all of the
following coverage forms except: - Answers-The Trailer
Interchange Coverage Form
Personal Injury Protection, or PIP, has a __________ per
person, per accident limit. - Answers-10,000
Used to insure businesses engaged in selling, servicing,
repairing, parking or storing automobiles: - Answers-
Garage Coverage Form
The following examples are referred to as __________
liability limits: 25/50/25 or 10/20/10. - Answers-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
,3|Page
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?
- Answers-$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? - Answers-
$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? - Answers-Age & Gender of Insured
On a Homeowner's Policy, covers items that are not
permanently attached to the dwelling. This is defined as: -
Answers-Other Structures
, 4|Page
Examples include sheds, fences, pool houses, detached
car ports, etc.
A lender has an insurable interest in a home and finds
protection in the: - Answers-Mortgagee Clause
Mortgagee - Homeowner's policy
Loss Payee - Automobile policy
Which of the following forms is "all-risk" on the dwelling
policy? - Answers-DP-3, or the Special Form
When the basic liability limits provided by the policy are
insufficient for an insureds needs, two coverage forms are
used to provide the additional amounts of coverage:
A. Excess Liability
B. Umbrella
C. Both A & B
D. None of the Above - Answers-Both A & B
Which of the following is not covered under Coverage C,
Personal Property?
Florida Claims Adjuster Exam ,Most Recent Exam
2026 Actual Complete Real Exam Questions And
Correct Answers||Verified Exam!!! (Verified Answers)
Already Graded A+ | Newest Exam!!!
Under Mechanical Breakdown Coverage, *new cars are
eligible for service up to:* - Answers-36 Months/36,000
Miles
Used vehicles: 12 Months/12,000 Miles
If financial responsibility doesn't exist at the time of an
accident, what happens? - Answers-The legally valid
claims of others must be satisfied (10/20/10)
The owner and operator must provide certification of future
responsibility for future accidents
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 -
Answers-3
,2|Page
The Business Automobile Policy includes all of the
following coverage forms except: - Answers-The Trailer
Interchange Coverage Form
Personal Injury Protection, or PIP, has a __________ per
person, per accident limit. - Answers-10,000
Used to insure businesses engaged in selling, servicing,
repairing, parking or storing automobiles: - Answers-
Garage Coverage Form
The following examples are referred to as __________
liability limits: 25/50/25 or 10/20/10. - Answers-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
,3|Page
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?
- Answers-$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? - Answers-
$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? - Answers-Age & Gender of Insured
On a Homeowner's Policy, covers items that are not
permanently attached to the dwelling. This is defined as: -
Answers-Other Structures
, 4|Page
Examples include sheds, fences, pool houses, detached
car ports, etc.
A lender has an insurable interest in a home and finds
protection in the: - Answers-Mortgagee Clause
Mortgagee - Homeowner's policy
Loss Payee - Automobile policy
Which of the following forms is "all-risk" on the dwelling
policy? - Answers-DP-3, or the Special Form
When the basic liability limits provided by the policy are
insufficient for an insureds needs, two coverage forms are
used to provide the additional amounts of coverage:
A. Excess Liability
B. Umbrella
C. Both A & B
D. None of the Above - Answers-Both A & B
Which of the following is not covered under Coverage C,
Personal Property?
