FLORIDA PERSONAL LINES EXAMINATION
TEST 2026 COMPLETE QUESTIONS AND
CORRECT SOLUTIONS ALREADY PASSED
⩥ Agents who persuade insureds to cancel a policy in favor of another
one when it might not be in the insured's best interest are guilty of
A. Rebating
B. Twisting
C. Defamation
D. Misrepresentation. Answer: B. Twisting
Twisting is a misrepresentation that persuades an insured or
policyowner, to his or her detriment, to cancel, lapse, or switch policies
⩥ Who would participate in a Write Your Own (WYO) Flood insurance
Program?
A. Government insurance companies that write and service National
Flood Insurance Policies
B. Businesses requiring National Flood insurance policies
,C. Private Insurers that wish to write and service National Flood Policies
on a no-risk-bearing basis
D. Lloyd's associations. Answer: C. Private Insurers that wish to write
and service National Flood Policies on a no-risk-bearing basis
a WYO program made up of private insurers that write and service
National Flood Insurance policies on a no risk bearing basis through a
special arrangement with the Federal Insurance Administration. WYO
program retains part of the flood insurance premium to pay for
commissions and administrative costs. The Remaining premiums, pluss
investment, are used to cover losses.
⩥ Rental Reimbursement is only available if the policy includes which
coverage?
A. named nonowner coverage
B. Other than Collision coverage
C. Extended Nonowned Coverage for Named Insured
D. Towing and Labor Costs. Answer: B. Other than Collision Coverage
This endorsement is only available in the policy includes other than
collision coverage. This endorsement will reimburse the insured for a
rental charges incurred because the covered auto is out of use because of
a covered loss.
,⩥ while an insured covered auto is in the repair shop following damage
by a collision, the insured would have coverage for which of the
following vehicles under a personal auto policy?
A. Any vehicle not owned by the insured, but furnished for use while the
covered auto is out of normal use because of repair
B. Any vehicle use by the insured without the reasonable belief that the
insured is entitled to use such vehicle
C. Any auto furnished for the insured's regular use, but not named on the
policy
D. Any vehicle while located inside a racing facility for the purpose of
racing. Answer: A. Any vehicle not owned by the insured, but furnished
for use while the covered auto is out of normal use because of repair
⩥ The Florida automobile joint underwriting association (FAJUA) is a
market source for person unable to purchase auto insurance thought the
standard markets. All of the following statements concerning (FAJUA)
are TRUE, EXCEPT
A. Agents do not have binding Authority
B. Coverage is available to military nonresident stationed in Florida.
C. Private passenger auto are eligible for liability coverage with limits
up to 100/300/50, PIP, U/M.
, D. Each licensed agent in Florida is assigned to one of the servicing
carries with which the agent places all risks to be insured in FAJUA.
Answer: A. Agents do not have binding Authority
Agents have authority to immediately bind coverage upon securing a
completed and signed application upon payment of the require premium
deposit by the applicant.
⩥ If a person is using auto with the belief that he is entitled to do so,
subrogation rights under a personal auto policy would apply to all
coverages EXCEPT
A. no fault medical payments
B. Liability
C. Physical Damage
D. Uninsured Motorist. Answer: C. Physical Damage
Subrogation rights do NOT apply to physical damage coverage if the
damage is caused by a person using the auto with a reasonable belief that
they were entitled to do so.
⩥ what type of information would be found in a policy's insuring
agreement?
TEST 2026 COMPLETE QUESTIONS AND
CORRECT SOLUTIONS ALREADY PASSED
⩥ Agents who persuade insureds to cancel a policy in favor of another
one when it might not be in the insured's best interest are guilty of
A. Rebating
B. Twisting
C. Defamation
D. Misrepresentation. Answer: B. Twisting
Twisting is a misrepresentation that persuades an insured or
policyowner, to his or her detriment, to cancel, lapse, or switch policies
⩥ Who would participate in a Write Your Own (WYO) Flood insurance
Program?
A. Government insurance companies that write and service National
Flood Insurance Policies
B. Businesses requiring National Flood insurance policies
,C. Private Insurers that wish to write and service National Flood Policies
on a no-risk-bearing basis
D. Lloyd's associations. Answer: C. Private Insurers that wish to write
and service National Flood Policies on a no-risk-bearing basis
a WYO program made up of private insurers that write and service
National Flood Insurance policies on a no risk bearing basis through a
special arrangement with the Federal Insurance Administration. WYO
program retains part of the flood insurance premium to pay for
commissions and administrative costs. The Remaining premiums, pluss
investment, are used to cover losses.
⩥ Rental Reimbursement is only available if the policy includes which
coverage?
A. named nonowner coverage
B. Other than Collision coverage
C. Extended Nonowned Coverage for Named Insured
D. Towing and Labor Costs. Answer: B. Other than Collision Coverage
This endorsement is only available in the policy includes other than
collision coverage. This endorsement will reimburse the insured for a
rental charges incurred because the covered auto is out of use because of
a covered loss.
,⩥ while an insured covered auto is in the repair shop following damage
by a collision, the insured would have coverage for which of the
following vehicles under a personal auto policy?
A. Any vehicle not owned by the insured, but furnished for use while the
covered auto is out of normal use because of repair
B. Any vehicle use by the insured without the reasonable belief that the
insured is entitled to use such vehicle
C. Any auto furnished for the insured's regular use, but not named on the
policy
D. Any vehicle while located inside a racing facility for the purpose of
racing. Answer: A. Any vehicle not owned by the insured, but furnished
for use while the covered auto is out of normal use because of repair
⩥ The Florida automobile joint underwriting association (FAJUA) is a
market source for person unable to purchase auto insurance thought the
standard markets. All of the following statements concerning (FAJUA)
are TRUE, EXCEPT
A. Agents do not have binding Authority
B. Coverage is available to military nonresident stationed in Florida.
C. Private passenger auto are eligible for liability coverage with limits
up to 100/300/50, PIP, U/M.
, D. Each licensed agent in Florida is assigned to one of the servicing
carries with which the agent places all risks to be insured in FAJUA.
Answer: A. Agents do not have binding Authority
Agents have authority to immediately bind coverage upon securing a
completed and signed application upon payment of the require premium
deposit by the applicant.
⩥ If a person is using auto with the belief that he is entitled to do so,
subrogation rights under a personal auto policy would apply to all
coverages EXCEPT
A. no fault medical payments
B. Liability
C. Physical Damage
D. Uninsured Motorist. Answer: C. Physical Damage
Subrogation rights do NOT apply to physical damage coverage if the
damage is caused by a person using the auto with a reasonable belief that
they were entitled to do so.
⩥ what type of information would be found in a policy's insuring
agreement?
