Florida Claims Adjuster Exam 2025/2026
Exam Questions and Answers | A+ Score
Assured
Severability - 🧠 ANSWER ✔✔Insurance applies separately to each insured
as if other insureds did not exist.
Abandonment - 🧠 ANSWER ✔✔Property insurance policies usually contain
a(n) __________ clause, *stating the insured cannot dump damaged
property on the insurer and demand its full value.*
Insurable Interest - 🧠 ANSWER ✔✔One wherein economic loss would be
suffered from an adverse happening to the subject.
Liberalization - 🧠 ANSWER ✔✔States that if the insurer adopts a revision
which would broaden coverage without additional premium within some
,period of time prior to the policy period or during the policy period, the
insured receives the benefit of such broadened coverage..
Doctrine of Proximate Cause - 🧠 ANSWER ✔✔States that when there is an
unbroken connection between an occurrence and damage that grows out
of the occurrence, then the resultant damage is all a part of the occurrence.
Actual Cash Value - 🧠 ANSWER ✔✔The Loss Settlement Valuation that
subtracts an allowance for depreciation
Warranty - 🧠 ANSWER ✔✔A policy condition, either based on information
in the insured's application or inserted by the insurer
Conditional Contract - 🧠 ANSWER ✔✔The Insurer's responsibility to pay for
a property loss may be conditioned on the insured having used reasonable
means to avoid the loss, to protect the property against further loss, and to
give the insurer proof of the loss is defined as?
Under Mechanical Breakdown Coverage, *new cars are eligible for service
up to:* - 🧠 ANSWER ✔✔36 Months/36,000 Miles
Used vehicles: 12 Months/12,000 Miles
,If financial responsibility doesn't exist at the time of an accident, what
happens? - 🧠 ANSWER ✔✔The legally valid claims of others must be
satisfied (10/20/10)
The owner and operator must provide certification of future responsibility
for future accidents
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 - 🧠 ANSWER ✔✔3
The Business Automobile Policy includes all of the following coverage
forms except: - 🧠 ANSWER ✔✔The Trailer Interchange Coverage Form
Personal Injury Protection, or PIP, has a __________ per person, per
accident limit. - 🧠 ANSWER ✔✔10,000
Used to insure businesses engaged in selling, servicing, repairing, parking
or storing automobiles: - 🧠 ANSWER ✔✔Garage Coverage Form
COPYRIGHT©PROFFKERRYMARTIN 2025/2026. YEAR PUBLISHED 2025. COMPANY REGISTRATION NUMBER: 619652435. TERMS OF USE.
PRIVACY STATEMENT. ALL RIGHTS RESERVED
, The following examples are referred to as __________ liability limits:
25/50/25 or 10/20/10. - 🧠 ANSWER ✔✔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? - 🧠 ANSWER ✔✔$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? - 🧠 ANSWER ✔✔$5,000
Exam Questions and Answers | A+ Score
Assured
Severability - 🧠 ANSWER ✔✔Insurance applies separately to each insured
as if other insureds did not exist.
Abandonment - 🧠 ANSWER ✔✔Property insurance policies usually contain
a(n) __________ clause, *stating the insured cannot dump damaged
property on the insurer and demand its full value.*
Insurable Interest - 🧠 ANSWER ✔✔One wherein economic loss would be
suffered from an adverse happening to the subject.
Liberalization - 🧠 ANSWER ✔✔States that if the insurer adopts a revision
which would broaden coverage without additional premium within some
,period of time prior to the policy period or during the policy period, the
insured receives the benefit of such broadened coverage..
Doctrine of Proximate Cause - 🧠 ANSWER ✔✔States that when there is an
unbroken connection between an occurrence and damage that grows out
of the occurrence, then the resultant damage is all a part of the occurrence.
Actual Cash Value - 🧠 ANSWER ✔✔The Loss Settlement Valuation that
subtracts an allowance for depreciation
Warranty - 🧠 ANSWER ✔✔A policy condition, either based on information
in the insured's application or inserted by the insurer
Conditional Contract - 🧠 ANSWER ✔✔The Insurer's responsibility to pay for
a property loss may be conditioned on the insured having used reasonable
means to avoid the loss, to protect the property against further loss, and to
give the insurer proof of the loss is defined as?
Under Mechanical Breakdown Coverage, *new cars are eligible for service
up to:* - 🧠 ANSWER ✔✔36 Months/36,000 Miles
Used vehicles: 12 Months/12,000 Miles
,If financial responsibility doesn't exist at the time of an accident, what
happens? - 🧠 ANSWER ✔✔The legally valid claims of others must be
satisfied (10/20/10)
The owner and operator must provide certification of future responsibility
for future accidents
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 - 🧠 ANSWER ✔✔3
The Business Automobile Policy includes all of the following coverage
forms except: - 🧠 ANSWER ✔✔The Trailer Interchange Coverage Form
Personal Injury Protection, or PIP, has a __________ per person, per
accident limit. - 🧠 ANSWER ✔✔10,000
Used to insure businesses engaged in selling, servicing, repairing, parking
or storing automobiles: - 🧠 ANSWER ✔✔Garage Coverage Form
COPYRIGHT©PROFFKERRYMARTIN 2025/2026. YEAR PUBLISHED 2025. COMPANY REGISTRATION NUMBER: 619652435. TERMS OF USE.
PRIVACY STATEMENT. ALL RIGHTS RESERVED
, The following examples are referred to as __________ liability limits:
25/50/25 or 10/20/10. - 🧠 ANSWER ✔✔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? - 🧠 ANSWER ✔✔$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? - 🧠 ANSWER ✔✔$5,000
