FLORIDA 3-20 PUBLIC ADJUSTER STATE LICENSE NEWEST
ACTUAL FINAL EXAM WITH COMPLETE COMPLETE QUESTIONS
AND ANSWERS / VERIFIED/GRADED A+/
What deductibles are subject to any aircraft physical damages
that differ according to circumstances surrounding a given
loss?
In-flight Ded (greatest amount)
Not-in-Motion (least amount)
They apply independently based on the actual loss
Uninsured Motorist's Coverage form, the insured can request:
Non-stacked Coverage
Stacked Coverage
UM coverage at the limits lower than those that apply for
liability coverage
If a mortgage is acknowledged in the policy and the insured
concealed the fact that a hazard exists to the insurance
company, would the mortgage have a right to recover its full
loan value?
Yes
Under Florida Comparative Negligence law how much would
one be able to recover if they were found 25% at fault?
Page 1 of 21
,75% (the difference)
If a claimant is under the influence of drugs and/or alcohol and
is found to be 50% or more at fault, how much can they
recover?
$0.00
A commercial property coverage part includes:
Common policy conditions
Commercial property declarations
One or more causes of loss forms
When an insurance adjuster advises an insured to
misrepresent the claim by suggesting how to report a claim,
the adjuster should be charged with:
Unfair Claims Act
The "outside premises" policy insuring agreement covers:
Loss of money and securities and other property outside the
premises.
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, The insurer cannot prevent a public adjuster from meeting
with their client after:
the insurer has been notified of the existence of a contract
Those who are eligible for coverage under the Florida
Automobile Joint Underwriting Association are?
Military Personnel
A non-resident owning an automobile in Florida
A non-resident subject to Florida no-fault law
A forcible entry into locked premises and the carrying away of
the property of others is a definition of:
Burglary
The inland marine coverage form that covers clothing,
cameras and other portable property worn and carried by
tourists and travelers is a:
Personal effects floater
A residual market to alleviate the temporary unavailability of
property insurance coverage in significant portions of Florida
(e.g. homeowners face non-renewal or cancellations)
Page 3 of 21
ACTUAL FINAL EXAM WITH COMPLETE COMPLETE QUESTIONS
AND ANSWERS / VERIFIED/GRADED A+/
What deductibles are subject to any aircraft physical damages
that differ according to circumstances surrounding a given
loss?
In-flight Ded (greatest amount)
Not-in-Motion (least amount)
They apply independently based on the actual loss
Uninsured Motorist's Coverage form, the insured can request:
Non-stacked Coverage
Stacked Coverage
UM coverage at the limits lower than those that apply for
liability coverage
If a mortgage is acknowledged in the policy and the insured
concealed the fact that a hazard exists to the insurance
company, would the mortgage have a right to recover its full
loan value?
Yes
Under Florida Comparative Negligence law how much would
one be able to recover if they were found 25% at fault?
Page 1 of 21
,75% (the difference)
If a claimant is under the influence of drugs and/or alcohol and
is found to be 50% or more at fault, how much can they
recover?
$0.00
A commercial property coverage part includes:
Common policy conditions
Commercial property declarations
One or more causes of loss forms
When an insurance adjuster advises an insured to
misrepresent the claim by suggesting how to report a claim,
the adjuster should be charged with:
Unfair Claims Act
The "outside premises" policy insuring agreement covers:
Loss of money and securities and other property outside the
premises.
Page 2 of 21
, The insurer cannot prevent a public adjuster from meeting
with their client after:
the insurer has been notified of the existence of a contract
Those who are eligible for coverage under the Florida
Automobile Joint Underwriting Association are?
Military Personnel
A non-resident owning an automobile in Florida
A non-resident subject to Florida no-fault law
A forcible entry into locked premises and the carrying away of
the property of others is a definition of:
Burglary
The inland marine coverage form that covers clothing,
cameras and other portable property worn and carried by
tourists and travelers is a:
Personal effects floater
A residual market to alleviate the temporary unavailability of
property insurance coverage in significant portions of Florida
(e.g. homeowners face non-renewal or cancellations)
Page 3 of 21
