FLORIDA PUBLIC ALL LINES ADJUSTER FINAL
PAPER 2026 STUDY GUIDE DETAILED ANSWERS
READY
◉ Which of the following is not a duty of the claims adjuster?
Select one:
A. Investigating
B. Evaluating
C. Negotiating
D. Counseling.
Answer: Counseling
◉ The adjuster's duty to the insurer is best described as?
Select one:
A. Friendly
B. Factual
C. Fun
D. Fiduciary.
Answer: Fiduciary
◉ Errors and Omissions claims are a result of?
,Select one:
A. unethical behavior
B. lack of knowledge or information
C. Both unethical behavior and lack of knowledge or information are
correct
D. Neither unethical behavior and lack of knowledge or information
are correct.
Answer: Both unethical behavior and lack of knowledge or
information are correct
◉ Unethical behavior affects?
Select one:
A. The claimant
B. The adjuster
C. All of the above
D. The entire company.
Answer: All of the above
◉ All of the following are components of negotiating EXCEPT?
Select one:
A. The issue should be negotiable
B. There must be an exchange of value for value
,C. The parties should trust each other
D. The claimant must be satisfied.
Answer: The claimant must be satisfied
◉ The Civil Remedies Provision of the Insurance Code states that
adjusters should not?
Select one:
A. Handle claims in a prompt manner
B. Accompany claims payments with statements explaining coverage
C. Settle claims in good faith
D. Try to influence settlements.
Answer: Try to influence settlements
◉ The insured, a resident of Florida, was in an accident in Georgia.
The Florida car was insured with liability limits of 10/20/10.
Georgia's minimum liability limits are 20/40/10. How will the
Florida policy respond?
Select one:
A. 10/20/10
B. 20/40/10
C. No coverage
D. 20/40/20.
Answer: 20/40/10
, ◉ Under a PAP, when does the insurance company cease to defend
the insured?
Select one:
A. The insurance company is not obligated to defend the insured
B. After the case has been resolved
C. When the policy limit is exhausted
D. At the policy's expiration.
Answer: When the policy limit is exhausted
◉ The Florida Financial Responsibility Law is triggered by?
Select one:
A. Registration of the vehicle
B. Purchase of the vehicle
C. An accident involving bodily injury or property damage
D. Purchase of an auto policy.
Answer: An accident involving bodily injury or property damage
◉ The insured is an owner and is insured for PIP. She is injured in an
accident and has the following damages? medicals-$12,000, lost
wages-$6,000. How much will PIP pay if there is a $1,000
deductible?
Select one:
PAPER 2026 STUDY GUIDE DETAILED ANSWERS
READY
◉ Which of the following is not a duty of the claims adjuster?
Select one:
A. Investigating
B. Evaluating
C. Negotiating
D. Counseling.
Answer: Counseling
◉ The adjuster's duty to the insurer is best described as?
Select one:
A. Friendly
B. Factual
C. Fun
D. Fiduciary.
Answer: Fiduciary
◉ Errors and Omissions claims are a result of?
,Select one:
A. unethical behavior
B. lack of knowledge or information
C. Both unethical behavior and lack of knowledge or information are
correct
D. Neither unethical behavior and lack of knowledge or information
are correct.
Answer: Both unethical behavior and lack of knowledge or
information are correct
◉ Unethical behavior affects?
Select one:
A. The claimant
B. The adjuster
C. All of the above
D. The entire company.
Answer: All of the above
◉ All of the following are components of negotiating EXCEPT?
Select one:
A. The issue should be negotiable
B. There must be an exchange of value for value
,C. The parties should trust each other
D. The claimant must be satisfied.
Answer: The claimant must be satisfied
◉ The Civil Remedies Provision of the Insurance Code states that
adjusters should not?
Select one:
A. Handle claims in a prompt manner
B. Accompany claims payments with statements explaining coverage
C. Settle claims in good faith
D. Try to influence settlements.
Answer: Try to influence settlements
◉ The insured, a resident of Florida, was in an accident in Georgia.
The Florida car was insured with liability limits of 10/20/10.
Georgia's minimum liability limits are 20/40/10. How will the
Florida policy respond?
Select one:
A. 10/20/10
B. 20/40/10
C. No coverage
D. 20/40/20.
Answer: 20/40/10
, ◉ Under a PAP, when does the insurance company cease to defend
the insured?
Select one:
A. The insurance company is not obligated to defend the insured
B. After the case has been resolved
C. When the policy limit is exhausted
D. At the policy's expiration.
Answer: When the policy limit is exhausted
◉ The Florida Financial Responsibility Law is triggered by?
Select one:
A. Registration of the vehicle
B. Purchase of the vehicle
C. An accident involving bodily injury or property damage
D. Purchase of an auto policy.
Answer: An accident involving bodily injury or property damage
◉ The insured is an owner and is insured for PIP. She is injured in an
accident and has the following damages? medicals-$12,000, lost
wages-$6,000. How much will PIP pay if there is a $1,000
deductible?
Select one:
