FLORIDA ADJUSTER EXAM | COMPLETE STUDY GUIDE WITH PRACTICE QUESTIONS AND VERIFIED
ANSWERS FOR LICENSING EXAM PREPARATION
1. To operate as an insurance agency in Florida an agency is required to:
A. appoint at least two agents to manage the agency
B. appoint the Office as its agent for service or process
C. obtain a license or reg1strabon from the state
D. have transacted insurance in Florida for at least two years before apply for
a license: C. obtain a license or registration from the state
2. Owen's house is damaged when Latrice's car crashes into it. After Owen's
insurer pays to repair the house, the insurer tries to recover its costs from
Latrice. What provision in Owen's policy gives the insurer this right?
A. subrogation
B. recovered property
C. assignment
C. loss settlement: B. recovered property?
3. Which activity would fall outside the definition of "farming" in the standard
farm liability coverage form?
A. Selling farm produce from a roadside stand
B. Selling tee shirts at a farmer's marкet in the city
C. Crop dusting
D. Field Irrigation: B. Selling tee shirts at a farmer's marкet in the city?
4. Holly routinely charges her clients an extra amount in addition to the pre-
mium stated In the insurance policy to cover her own personal administrative
expenses. What is true about Holly's actions?
A. They are lawful
B. They are lawful if the client agrees in writing
C. They are unlawful
D. They are lawful in most cases: C. They are unlawful. ?
5. Judith's engagement ring is stolen soon after she and her fiancé cancelled
their wedding plans. Instead of paying Judith in cash, her homeowners insur-
, FLORIDA ADJUSTER EXAM | COMPLETE STUDY GUIDE WITH PRACTICE QUESTIONS AND VERIFIED
ANSWERS FOR LICENSING EXAM PREPARATION
ance policy gives the insurer the right to:
A. assign recovery rights to her ex-fiancé.
B. replace the missing ring.
C. annul the engagement in writing.
D. deny coverage.: B. replace the missing ring.
6. Which is NOT a bodily injury for purposes of coverage by the business auto
policy (BAP)?
A. disease.
B. death.
C. mental trauma.
D. illness.: C. mental trauma.
7. A businessowners property coverage applies to:
A. Business personal property.
B. Real estate and improvements.
C. Buildings alone.
D. Buildings, business personal property, or both.: D. Buildings, business personal property,
or both.
8. The purpose of uninsured motorists coverage is to:
A. protect insureds from drivers who have no auto liability insurance
B. protect uninsured divers from claims for bodily injury
C. protect uninsured drivers from claims for damage to their own autos
D. protect insureds from drivers with inadequate limits of auto liability insur-
ance: A. protect insureds from drivers who have no auto liability insurance. ?
9. Which is NOT considered equipment under the equipment breaкdown cov-
erage form?
A. electric motors
B. vacuum tanк
ANSWERS FOR LICENSING EXAM PREPARATION
1. To operate as an insurance agency in Florida an agency is required to:
A. appoint at least two agents to manage the agency
B. appoint the Office as its agent for service or process
C. obtain a license or reg1strabon from the state
D. have transacted insurance in Florida for at least two years before apply for
a license: C. obtain a license or registration from the state
2. Owen's house is damaged when Latrice's car crashes into it. After Owen's
insurer pays to repair the house, the insurer tries to recover its costs from
Latrice. What provision in Owen's policy gives the insurer this right?
A. subrogation
B. recovered property
C. assignment
C. loss settlement: B. recovered property?
3. Which activity would fall outside the definition of "farming" in the standard
farm liability coverage form?
A. Selling farm produce from a roadside stand
B. Selling tee shirts at a farmer's marкet in the city
C. Crop dusting
D. Field Irrigation: B. Selling tee shirts at a farmer's marкet in the city?
4. Holly routinely charges her clients an extra amount in addition to the pre-
mium stated In the insurance policy to cover her own personal administrative
expenses. What is true about Holly's actions?
A. They are lawful
B. They are lawful if the client agrees in writing
C. They are unlawful
D. They are lawful in most cases: C. They are unlawful. ?
5. Judith's engagement ring is stolen soon after she and her fiancé cancelled
their wedding plans. Instead of paying Judith in cash, her homeowners insur-
, FLORIDA ADJUSTER EXAM | COMPLETE STUDY GUIDE WITH PRACTICE QUESTIONS AND VERIFIED
ANSWERS FOR LICENSING EXAM PREPARATION
ance policy gives the insurer the right to:
A. assign recovery rights to her ex-fiancé.
B. replace the missing ring.
C. annul the engagement in writing.
D. deny coverage.: B. replace the missing ring.
6. Which is NOT a bodily injury for purposes of coverage by the business auto
policy (BAP)?
A. disease.
B. death.
C. mental trauma.
D. illness.: C. mental trauma.
7. A businessowners property coverage applies to:
A. Business personal property.
B. Real estate and improvements.
C. Buildings alone.
D. Buildings, business personal property, or both.: D. Buildings, business personal property,
or both.
8. The purpose of uninsured motorists coverage is to:
A. protect insureds from drivers who have no auto liability insurance
B. protect uninsured divers from claims for bodily injury
C. protect uninsured drivers from claims for damage to their own autos
D. protect insureds from drivers with inadequate limits of auto liability insur-
ance: A. protect insureds from drivers who have no auto liability insurance. ?
9. Which is NOT considered equipment under the equipment breaкdown cov-
erage form?
A. electric motors
B. vacuum tanк
