FLORIDA CLAIMS ADJUSTER EXAM 2026 LATEST
UPDATE QUESTIONS AND CORRECT VERIFIED
ANSWERD ALREADY GRADED A+
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:
A. 1
B. 3
C. 4
D. 2 - ANS-B. 3
The Business Automobile Policy includes all of the following coverage forms except:
A. The Garage Coverage Form
B. The Trailer Interchange Coverage Form
C. The Truckers Coverage Form
D. The Business Auto Coverage Form - ANS-B. The Trailer Interchange Coverage Form
Personal Injury Protection, or PIP, has a __________ per person, per accident limit.
A. 10,000
B. 20,000
C. 1,000
D. Depends on the damaged property - ANS-A. 10,000
Used to insure businesses engaged in selling, servicing, repairing, parking or storing
automobiles:
,A. Servicing Coverage Form
B. Garage Coverage Form
C. Truckers Coverage Form
D. None of the Above - ANS-B. Garage Coverage Form
The following examples are referred to as __________ liability limits: 25/50/25 or 10/20/10.
A. Split
B. Single
C. Straight
D. None of the Above - ANS-A. 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
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?
A. $1,600
B. $1,000
C. $2,400
D. $3,000 - ANS-A. $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?
,A. $15,000
B. $5,000
C. $3,000
D. $0, Frank is not-at-fault - ANS-B. $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?
A. Type of Construction
B. Location of Risk
C. Age & Gender of Insured
D. Proximity to Fire Department - ANS-C. Age & Gender of Insured
On a Homeowner's Policy, covers items that are not permanently attached to the dwelling. This
is defined as:
A. Other Structures
B. Excess Structures
C. Personal Property
D. Dwelling - ANS-A. Other Structures
Examples include sheds, fences, pool houses, detached car ports, etc.
A lender has an insurable interest in a home and finds protection in the:
A. Loss Payee Clause
B. Mortgagee Clause
C. Lender Clause
D. Additional Insured Clause - ANS-B. Mortgagee Clause
Mortgagee - Homeowner's policy
, Loss Payee - Automobile policy
Which of the following forms is "all-risk" on the dwelling policy?
A. DP-1, or the Basic Form
B. DP-2, or the Broad
C. DP-3, or the Special Form
D. None of the Above - ANS-C. 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 - ANS-C. Both A & B
Which of the following is not covered under Coverage C, Personal Property?
A. A fire breaks out in the residence and an overnight guest loses his clothes in the fire
B. A fish dies because he has been left alone for a week without food
C. The insureds daughters tennis racket is stolen from her locker
D. The insureds suitcase and clothing, valued at $1,500, are stolen from his hotel - ANS-B. A fish
dies because he has been left alone for a week without food
Animals are listed as an "exclusion" under a Homeowner's policy.
All of the following are eligible for a Homeowner's Policy, except?
A. An apartment tenant
B. A condominium owner
C. Four-family dwelling owner-occupant
UPDATE QUESTIONS AND CORRECT VERIFIED
ANSWERD ALREADY GRADED A+
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:
A. 1
B. 3
C. 4
D. 2 - ANS-B. 3
The Business Automobile Policy includes all of the following coverage forms except:
A. The Garage Coverage Form
B. The Trailer Interchange Coverage Form
C. The Truckers Coverage Form
D. The Business Auto Coverage Form - ANS-B. The Trailer Interchange Coverage Form
Personal Injury Protection, or PIP, has a __________ per person, per accident limit.
A. 10,000
B. 20,000
C. 1,000
D. Depends on the damaged property - ANS-A. 10,000
Used to insure businesses engaged in selling, servicing, repairing, parking or storing
automobiles:
,A. Servicing Coverage Form
B. Garage Coverage Form
C. Truckers Coverage Form
D. None of the Above - ANS-B. Garage Coverage Form
The following examples are referred to as __________ liability limits: 25/50/25 or 10/20/10.
A. Split
B. Single
C. Straight
D. None of the Above - ANS-A. 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
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?
A. $1,600
B. $1,000
C. $2,400
D. $3,000 - ANS-A. $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?
,A. $15,000
B. $5,000
C. $3,000
D. $0, Frank is not-at-fault - ANS-B. $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?
A. Type of Construction
B. Location of Risk
C. Age & Gender of Insured
D. Proximity to Fire Department - ANS-C. Age & Gender of Insured
On a Homeowner's Policy, covers items that are not permanently attached to the dwelling. This
is defined as:
A. Other Structures
B. Excess Structures
C. Personal Property
D. Dwelling - ANS-A. Other Structures
Examples include sheds, fences, pool houses, detached car ports, etc.
A lender has an insurable interest in a home and finds protection in the:
A. Loss Payee Clause
B. Mortgagee Clause
C. Lender Clause
D. Additional Insured Clause - ANS-B. Mortgagee Clause
Mortgagee - Homeowner's policy
, Loss Payee - Automobile policy
Which of the following forms is "all-risk" on the dwelling policy?
A. DP-1, or the Basic Form
B. DP-2, or the Broad
C. DP-3, or the Special Form
D. None of the Above - ANS-C. 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 - ANS-C. Both A & B
Which of the following is not covered under Coverage C, Personal Property?
A. A fire breaks out in the residence and an overnight guest loses his clothes in the fire
B. A fish dies because he has been left alone for a week without food
C. The insureds daughters tennis racket is stolen from her locker
D. The insureds suitcase and clothing, valued at $1,500, are stolen from his hotel - ANS-B. A fish
dies because he has been left alone for a week without food
Animals are listed as an "exclusion" under a Homeowner's policy.
All of the following are eligible for a Homeowner's Policy, except?
A. An apartment tenant
B. A condominium owner
C. Four-family dwelling owner-occupant
