FLORIDA PUBLIC ADJUSTER STATE TEST EXAM
STUDY GUIDE FULL Q AND A 2026
● Adhesion. Answer: The principle of insurance contract law that
provides that all ambiguities or vagueness that arise in the interpretation
of an insurance contract are resolved in favor of the insured policyholder
● The adjuster should not represent any interests that are adverse to
those of the client, insurer or agent.. Answer: An adjuster has fiduciary
responsibilities to the client, insurer or agent, and
those fiduciary responsibilities take many forms. Which of the following
is NOT
reflective of a fiduciary responsibility?
A. The adjuster should limit the liability of the insured by not
volunteering coverage information to the insured or adverse party.
B. The adjuster should not deal in any way with the principal's
property with motives of self interest.
C. The adjuster should not profit from any outside source as a
consequence of action(s) taken on behslf of the insurer.
D. The adjuster should not represent any interests that are adverse to
those of the client, insurer or agent.
, ● total UM coverage would be 600k. Answer: BAP policy of 100/300,
stacked policy with 6 vehicles. How much coverage for UM?
● Purchasing UM on a stacked basis for non-owned autos. Answer: An
insured who has uninsured motorist coverage does NOT have
which one of the following options:
A. Purchasing UM on a non-stacked basis.
B. Purchasing UM on a stacked basis for non-owned autos
C. Purchasing UM for less than the BI limits.
D. Rejecting UM
● Bodily injury caused by a hit-and-run auto.. Answer: For which of the
following would Uninsured motorist (UM)
coverage provide payment?
A. Physical damage caused by a hit-and-run auto.
B. Physical damage caused by an upset of the insured
auto.
C. Bodily injury caused by upset of the insured auto.
D. Bodily injury caused by a hit-and-run auto.
● Trailer Interchange Coverage. Answer: Coverage for a motor carrier's
liability for damage to trailers in its possession under a written trailer
interchange agreement.
STUDY GUIDE FULL Q AND A 2026
● Adhesion. Answer: The principle of insurance contract law that
provides that all ambiguities or vagueness that arise in the interpretation
of an insurance contract are resolved in favor of the insured policyholder
● The adjuster should not represent any interests that are adverse to
those of the client, insurer or agent.. Answer: An adjuster has fiduciary
responsibilities to the client, insurer or agent, and
those fiduciary responsibilities take many forms. Which of the following
is NOT
reflective of a fiduciary responsibility?
A. The adjuster should limit the liability of the insured by not
volunteering coverage information to the insured or adverse party.
B. The adjuster should not deal in any way with the principal's
property with motives of self interest.
C. The adjuster should not profit from any outside source as a
consequence of action(s) taken on behslf of the insurer.
D. The adjuster should not represent any interests that are adverse to
those of the client, insurer or agent.
, ● total UM coverage would be 600k. Answer: BAP policy of 100/300,
stacked policy with 6 vehicles. How much coverage for UM?
● Purchasing UM on a stacked basis for non-owned autos. Answer: An
insured who has uninsured motorist coverage does NOT have
which one of the following options:
A. Purchasing UM on a non-stacked basis.
B. Purchasing UM on a stacked basis for non-owned autos
C. Purchasing UM for less than the BI limits.
D. Rejecting UM
● Bodily injury caused by a hit-and-run auto.. Answer: For which of the
following would Uninsured motorist (UM)
coverage provide payment?
A. Physical damage caused by a hit-and-run auto.
B. Physical damage caused by an upset of the insured
auto.
C. Bodily injury caused by upset of the insured auto.
D. Bodily injury caused by a hit-and-run auto.
● Trailer Interchange Coverage. Answer: Coverage for a motor carrier's
liability for damage to trailers in its possession under a written trailer
interchange agreement.
