FLORIDA GENERAL LINES AGENT
EXAM QUESTIONS WITH ACCURATE
ANSWERS
John a Florida resident with $10,000 PIP got in an accident in New York in his friend's vehicle and
incurred $10,000 medical expenses. What is the PIP coverage amount for John's medical expenses?
✔ans$0 (PIP does not apply for injuries of an insured occupying a non-own auto out-of-state),
John has $10,000 PIP and got in accident in Florida due to the fault of the other driver and incurred
$20,000 in medical expense. What is the amount John can recover under Tort law for his medical
expenses not covered by his PIP? ✔ans$10,000 ($10,000 - $20,00);Note:80% of $20,000 = $16,000 which
exceeds the PIP limit of $10,000 so the coverage amount would be $10,000 and John can sue for the
amount not recovered from PIP which is $10,000
The following are exclusions under PIP except?
a.All are exclusions
b.Injuries resulting from self-inflicted injuries or during the commission of a felony
c.Persons operating the insured auto without permission
d.Insureds occupying a vehicle owned not covered for PIP ✔ansa
The following are exemptions (thresholds) for suits under tort law for injuries (pain and suffering) of an
insured resulting from an at fault driver except?
a.Permanent injury other than scaring and disfigurement
b.Significant and permanent loss of bodily function
c.All are thresholds
d.Significant and permanent scaring and disfigurement ✔ansc
What is the required written notice an insurer is required to provide an insured for cancellation or non-
renewal of coverage for automobile coverage?
,a.10 days for non-payment of premiums both for cancellation and non-renewal
b.All are required
c.Florida requires 45 days' notice for cancellations (first 90 days of coverage)
d.Florida requires 45 days' notice for non-renewal (after 90 days coverage) and renewal of coverage
✔ansb
The following are related to uninsured motorist (UM) coverage in Florida except?
a.The agent is required to offer UM coverage at the time of an application and have subject sign a
written waiver by the applicant for refusal of coverage
b.The insurer is required to offer UM coverage for insureds without UM coverage each year at the
renewal date of the policy
c.All apply to Uninsured Motorists coverage in Florida
d.The UM coverage must be at least equal to the policy bodily injury liability coverage limit and have
subject sign a waiver for lesser coverage ✔ansc
A Florida resident with physical damage coverage subject to a deductible of $500 got in an accident that
damage the auto glass and it would cost $1,500 to repair. What coverage would apply to the glass
damage? ✔ans$1,500 (no deductible apply to glass damage in Florida
Which of the following is not eligible for coverage under the personal auto policy (PAP)?
a.An auto title in the name of a business
b.A private passenger type auto including a Jeep or Station wagon
c.A van or pickup with a gross weight of less than 10,000 pounds and not used to transport goods or
materials
d.An auto lease for a period of 6 months or more ✔ansa
Which of the following would not be part of the personal auto policy (PAP) declaration page?
,a.The telephone number of the insured
b.The coverages, limits and any applicable deductibles
c.The name of the loss payee (a creditor's interest in the auto)
d.The policy period and insurer's name and home office address ✔ansa
Which of the following would not be considered as a covered auto under the PAP?
a.An auto permanently assigned to an insured
b.A temporary substitute auto due to the breakdown, repair or maintenance of the insured covered
auto and a non-own auto not permanently assigned to an insured
c.The auto listed in the policy declaration page including an own or non-own trailer
d.A newly acquired auto including an additional or replacement auto ✔ansa
The following applies for coverage of a newly acquired auto under the PAP except?
a.The broadest coverage on the policy will apply to newly acquired autos not including the physical
damage coverage
b.An additional auto is covered for 14 days if the policy has physical damage coverage on at least 1 auto
and 4 days on a policy without physical damage coverage
c.All would apply to a newly acquired auto
d.A replacement auto is covered for 14 days if the policy has physical damage coverage and for 4 days if
the policy has no physical damage coverage ✔ansc.
Which business auto policy (BAP) coverage symbol provides coverage for both own and non-own autos
and is only to apply liability coverage? ✔ansSymbol 1 - Provides coverage for any auto no other
coverage symbol provides this wide coverage
Which business auto policy (BAP) coverage symbol would be used in Florida to provide no-fault
coverage? ✔ansSymbol 5 - which provides vehicles coverage for states with compulsory no-fault laws
such as Florida
, Which BAP symbol would be used to cover a business owner from liability for employees use of their
own autos in the business? ✔ansSymbol 9 - Provides coverage for non-own autos only except vehicles
rented or borrowed which is covered under symbol 8.
What is the maximum load capacity for trailers under the business auto policy (BAP)? ✔ansA maximum
weight capacity of 2,000 pounds
Which policy is designed to provide coverage for an insured in the garage business that is excluded
under the personal and commercial auto policy? ✔ansThe garage policy
Which garage coverage symbol covers damage to autos left for service, repair and storage in the custody
of an insured? ✔ansSymbol 30 which provides liability coverage for damage to vehicles of others left in
an insured care, custody and control.
Which of the following would not be covered under the garage policy liability coverage?
a.A person got in an accident due to a defective tire sold to him by an insured
b.A person got in an accident due to a faulty breaking system installed by an insured
c.A person got in an accident due to wheels not properly installed by the insured
d.A person got in an accident while test driving an auto due to his fault ✔ansd
All of the following are coverages under the garage liability coverage except?
a.Liability resulting from the premises of a garage business
b.All are covered
c.Liability arising from the operations of a garage business
d.Liability arising from defective products and faulty workmanship ✔ansb
The following are excluded under the garage policy liability coverage except
EXAM QUESTIONS WITH ACCURATE
ANSWERS
John a Florida resident with $10,000 PIP got in an accident in New York in his friend's vehicle and
incurred $10,000 medical expenses. What is the PIP coverage amount for John's medical expenses?
✔ans$0 (PIP does not apply for injuries of an insured occupying a non-own auto out-of-state),
John has $10,000 PIP and got in accident in Florida due to the fault of the other driver and incurred
$20,000 in medical expense. What is the amount John can recover under Tort law for his medical
expenses not covered by his PIP? ✔ans$10,000 ($10,000 - $20,00);Note:80% of $20,000 = $16,000 which
exceeds the PIP limit of $10,000 so the coverage amount would be $10,000 and John can sue for the
amount not recovered from PIP which is $10,000
The following are exclusions under PIP except?
a.All are exclusions
b.Injuries resulting from self-inflicted injuries or during the commission of a felony
c.Persons operating the insured auto without permission
d.Insureds occupying a vehicle owned not covered for PIP ✔ansa
The following are exemptions (thresholds) for suits under tort law for injuries (pain and suffering) of an
insured resulting from an at fault driver except?
a.Permanent injury other than scaring and disfigurement
b.Significant and permanent loss of bodily function
c.All are thresholds
d.Significant and permanent scaring and disfigurement ✔ansc
What is the required written notice an insurer is required to provide an insured for cancellation or non-
renewal of coverage for automobile coverage?
,a.10 days for non-payment of premiums both for cancellation and non-renewal
b.All are required
c.Florida requires 45 days' notice for cancellations (first 90 days of coverage)
d.Florida requires 45 days' notice for non-renewal (after 90 days coverage) and renewal of coverage
✔ansb
The following are related to uninsured motorist (UM) coverage in Florida except?
a.The agent is required to offer UM coverage at the time of an application and have subject sign a
written waiver by the applicant for refusal of coverage
b.The insurer is required to offer UM coverage for insureds without UM coverage each year at the
renewal date of the policy
c.All apply to Uninsured Motorists coverage in Florida
d.The UM coverage must be at least equal to the policy bodily injury liability coverage limit and have
subject sign a waiver for lesser coverage ✔ansc
A Florida resident with physical damage coverage subject to a deductible of $500 got in an accident that
damage the auto glass and it would cost $1,500 to repair. What coverage would apply to the glass
damage? ✔ans$1,500 (no deductible apply to glass damage in Florida
Which of the following is not eligible for coverage under the personal auto policy (PAP)?
a.An auto title in the name of a business
b.A private passenger type auto including a Jeep or Station wagon
c.A van or pickup with a gross weight of less than 10,000 pounds and not used to transport goods or
materials
d.An auto lease for a period of 6 months or more ✔ansa
Which of the following would not be part of the personal auto policy (PAP) declaration page?
,a.The telephone number of the insured
b.The coverages, limits and any applicable deductibles
c.The name of the loss payee (a creditor's interest in the auto)
d.The policy period and insurer's name and home office address ✔ansa
Which of the following would not be considered as a covered auto under the PAP?
a.An auto permanently assigned to an insured
b.A temporary substitute auto due to the breakdown, repair or maintenance of the insured covered
auto and a non-own auto not permanently assigned to an insured
c.The auto listed in the policy declaration page including an own or non-own trailer
d.A newly acquired auto including an additional or replacement auto ✔ansa
The following applies for coverage of a newly acquired auto under the PAP except?
a.The broadest coverage on the policy will apply to newly acquired autos not including the physical
damage coverage
b.An additional auto is covered for 14 days if the policy has physical damage coverage on at least 1 auto
and 4 days on a policy without physical damage coverage
c.All would apply to a newly acquired auto
d.A replacement auto is covered for 14 days if the policy has physical damage coverage and for 4 days if
the policy has no physical damage coverage ✔ansc.
Which business auto policy (BAP) coverage symbol provides coverage for both own and non-own autos
and is only to apply liability coverage? ✔ansSymbol 1 - Provides coverage for any auto no other
coverage symbol provides this wide coverage
Which business auto policy (BAP) coverage symbol would be used in Florida to provide no-fault
coverage? ✔ansSymbol 5 - which provides vehicles coverage for states with compulsory no-fault laws
such as Florida
, Which BAP symbol would be used to cover a business owner from liability for employees use of their
own autos in the business? ✔ansSymbol 9 - Provides coverage for non-own autos only except vehicles
rented or borrowed which is covered under symbol 8.
What is the maximum load capacity for trailers under the business auto policy (BAP)? ✔ansA maximum
weight capacity of 2,000 pounds
Which policy is designed to provide coverage for an insured in the garage business that is excluded
under the personal and commercial auto policy? ✔ansThe garage policy
Which garage coverage symbol covers damage to autos left for service, repair and storage in the custody
of an insured? ✔ansSymbol 30 which provides liability coverage for damage to vehicles of others left in
an insured care, custody and control.
Which of the following would not be covered under the garage policy liability coverage?
a.A person got in an accident due to a defective tire sold to him by an insured
b.A person got in an accident due to a faulty breaking system installed by an insured
c.A person got in an accident due to wheels not properly installed by the insured
d.A person got in an accident while test driving an auto due to his fault ✔ansd
All of the following are coverages under the garage liability coverage except?
a.Liability resulting from the premises of a garage business
b.All are covered
c.Liability arising from the operations of a garage business
d.Liability arising from defective products and faulty workmanship ✔ansb
The following are excluded under the garage policy liability coverage except
