PEARSON VUE FL STATE STUDY GUIDE - 2044
EXAM Practice Questions with Verified Answers and
Rationales
Updated 2026 | Personal Lines Agent License Exam
Q1. Which of the following is considered a collision under Part D coverage of a
Personal Auto Policy?
A) Hitting a deer
B) A vehicle hitting a rock in the middle of the road
C) Theft of the vehicle
D) Vandalism
Rationale: Collision coverage applies when the vehicle strikes another object, including
rocks in the road. Hitting a deer, theft, and vandalism are covered under Comprehensive
(Other Than Collision) coverage, not Collision .
Q2. What is the waiting period for transportation expenses coverage for losses
arising out of total theft of the auto?
A) 12 hours
B) 24 hours
C) 48 hours
D) 72 hours
Rationale: Under Part D (Transportation Expenses), there is a 48-hour waiting period
before coverage begins for losses due to total theft of the vehicle. This waiting period does
not apply to other types of losses .
Q3. Which of the following is NOT considered an uninsured motor vehicle?
,A) A vehicle with no liability coverage at the time of the accident
B) A vehicle operated by a hit-and-run driver
C) A vehicle owned by a government unit
D) A vehicle with insufficient liability coverage to meet state requirements
Rationale: Vehicles owned by government units are specifically excluded from the
definition of uninsured motor vehicles. Hit-and-run drivers, vehicles with no liability
coverage, and vehicles with insufficient coverage are all considered uninsured motor
vehicles .
Q4. What is the primary purpose of Medical Payments coverage under Part B of a
Personal Auto Policy?
A) To cover physical damage to the insured's car
B) To pay for medical expenses for the insured and family members in case of an
auto accident
C) To cover liability for damages to other vehicles
D) To provide coverage for uninsured motorists
Rationale: Medical Payments coverage (Part B) provides payment for reasonable medical
expenses incurred by the insured, family members, and passengers as a result of an auto
accident, regardless of fault .
Q5. Which of the following is excluded from Part D (Physical Damage) coverage?
A) Collision with another vehicle
B) Theft of the vehicle
C) Damage due to wear and tear
D) Contact with a bird or animal
Rationale: Physical damage coverage specifically excludes mechanical breakdown, wear
and tear, and gradual deterioration. Collision, theft, and animal strikes are all covered
perils under Part D .
,Q6. What is the maximum daily amount paid for transportation expenses under
Part D?
A) $10
B) $15
C) **$20**
D) $25
Rationale: The standard transportation expenses coverage provides up to $20 per day for
a rental vehicle, with a maximum total of $600 per claim. This applies while the insured
vehicle is being repaired or replaced after a covered loss .
Q7. Which of the following is NOT a peril covered under Comprehensive (OTC)
coverage?
A) Fire
B) Earthquake
C) Collision with another vehicle
D) Vandalism
Rationale: Collision with another vehicle is covered under Collision coverage, not
Comprehensive. Fire, earthquake, vandalism, theft, and animal strikes are all covered
under Comprehensive (Other Than Collision) coverage .
Q8. Which of the following is considered a "non-owned" auto?
A) A vehicle owned by the business
B) A vehicle rented by the insured
C) An employee's personal vehicle used for business purposes
D) A vehicle temporarily substituted for a covered auto
Rationale: A non-owned auto is one that the insured does not own but uses occasionally.
This includes an employee's personal vehicle used for business purposes. A rented vehicle
is typically covered as a temporary substitute auto .
, Q9. What is the standard deductible for Comprehensive coverage per covered auto
per loss?
A) $250
B) **$500**
C) $750
D) $1,000
Rationale: The standard deductible for Comprehensive coverage is $500 per covered auto
per loss. Deductibles are selected by the insured and can be higher or lower depending on
the policy, but $500 is the typical default .
Q10. Which of the following is NOT a type of physical damage coverage under an
auto policy?
A) Comprehensive
B) Collision
C) Liability
D) Specified causes of loss
Rationale: Liability coverage is separate from physical damage coverage. Physical
damage coverages include Comprehensive, Collision, and Specified Causes of Loss.
Liability covers damage the insured causes to others .
SECTION 2: CONTRACT LAW AND INSURANCE PRINCIPLES
Q11. What is the primary purpose of the principle of indemnity in insurance?
A) To ensure the insured profits from a claim
B) To restore the insured to their financial position before the loss
C) To provide unlimited coverage
D) To cover all types of losses
EXAM Practice Questions with Verified Answers and
Rationales
Updated 2026 | Personal Lines Agent License Exam
Q1. Which of the following is considered a collision under Part D coverage of a
Personal Auto Policy?
A) Hitting a deer
B) A vehicle hitting a rock in the middle of the road
C) Theft of the vehicle
D) Vandalism
Rationale: Collision coverage applies when the vehicle strikes another object, including
rocks in the road. Hitting a deer, theft, and vandalism are covered under Comprehensive
(Other Than Collision) coverage, not Collision .
Q2. What is the waiting period for transportation expenses coverage for losses
arising out of total theft of the auto?
A) 12 hours
B) 24 hours
C) 48 hours
D) 72 hours
Rationale: Under Part D (Transportation Expenses), there is a 48-hour waiting period
before coverage begins for losses due to total theft of the vehicle. This waiting period does
not apply to other types of losses .
Q3. Which of the following is NOT considered an uninsured motor vehicle?
,A) A vehicle with no liability coverage at the time of the accident
B) A vehicle operated by a hit-and-run driver
C) A vehicle owned by a government unit
D) A vehicle with insufficient liability coverage to meet state requirements
Rationale: Vehicles owned by government units are specifically excluded from the
definition of uninsured motor vehicles. Hit-and-run drivers, vehicles with no liability
coverage, and vehicles with insufficient coverage are all considered uninsured motor
vehicles .
Q4. What is the primary purpose of Medical Payments coverage under Part B of a
Personal Auto Policy?
A) To cover physical damage to the insured's car
B) To pay for medical expenses for the insured and family members in case of an
auto accident
C) To cover liability for damages to other vehicles
D) To provide coverage for uninsured motorists
Rationale: Medical Payments coverage (Part B) provides payment for reasonable medical
expenses incurred by the insured, family members, and passengers as a result of an auto
accident, regardless of fault .
Q5. Which of the following is excluded from Part D (Physical Damage) coverage?
A) Collision with another vehicle
B) Theft of the vehicle
C) Damage due to wear and tear
D) Contact with a bird or animal
Rationale: Physical damage coverage specifically excludes mechanical breakdown, wear
and tear, and gradual deterioration. Collision, theft, and animal strikes are all covered
perils under Part D .
,Q6. What is the maximum daily amount paid for transportation expenses under
Part D?
A) $10
B) $15
C) **$20**
D) $25
Rationale: The standard transportation expenses coverage provides up to $20 per day for
a rental vehicle, with a maximum total of $600 per claim. This applies while the insured
vehicle is being repaired or replaced after a covered loss .
Q7. Which of the following is NOT a peril covered under Comprehensive (OTC)
coverage?
A) Fire
B) Earthquake
C) Collision with another vehicle
D) Vandalism
Rationale: Collision with another vehicle is covered under Collision coverage, not
Comprehensive. Fire, earthquake, vandalism, theft, and animal strikes are all covered
under Comprehensive (Other Than Collision) coverage .
Q8. Which of the following is considered a "non-owned" auto?
A) A vehicle owned by the business
B) A vehicle rented by the insured
C) An employee's personal vehicle used for business purposes
D) A vehicle temporarily substituted for a covered auto
Rationale: A non-owned auto is one that the insured does not own but uses occasionally.
This includes an employee's personal vehicle used for business purposes. A rented vehicle
is typically covered as a temporary substitute auto .
, Q9. What is the standard deductible for Comprehensive coverage per covered auto
per loss?
A) $250
B) **$500**
C) $750
D) $1,000
Rationale: The standard deductible for Comprehensive coverage is $500 per covered auto
per loss. Deductibles are selected by the insured and can be higher or lower depending on
the policy, but $500 is the typical default .
Q10. Which of the following is NOT a type of physical damage coverage under an
auto policy?
A) Comprehensive
B) Collision
C) Liability
D) Specified causes of loss
Rationale: Liability coverage is separate from physical damage coverage. Physical
damage coverages include Comprehensive, Collision, and Specified Causes of Loss.
Liability covers damage the insured causes to others .
SECTION 2: CONTRACT LAW AND INSURANCE PRINCIPLES
Q11. What is the primary purpose of the principle of indemnity in insurance?
A) To ensure the insured profits from a claim
B) To restore the insured to their financial position before the loss
C) To provide unlimited coverage
D) To cover all types of losses
