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2025 FLORIDA CLAIMS ADJUSTER EXAM LATEST
TEST BANK WITH 450 QUESTIONS AND CORRECT
VERIFIED ANSWERS/ FL CLAIMS ADJUSTERS TEST
2025/ FL GENERAL ADJUSTER
-Insurable Interest must exist at the time of the loss.
-Insurance Interest must exist for insurance to respond.
*Show a similarity between insurance and wagering*
-The insured would suffer an economic loss. -
..ANSWER...✓✓ All of the following describe insurable
interest EXCEPT
-It is a personal contract.
-Parties are of unequal power with ambiguities or
unclear wording resolved in favor of the insured because
it is a contract of adhesion.
*Indemnity is not part of an insurance contract*
-There are conditions imposed upon both the insurer and
insured. - ..ANSWER...✓✓ An Insurance Policy is a
contract with all of the following characteristics, EXCEPT
-Indemnity
-Cohesion
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*Adhesion*
-Conditions - ..ANSWER...✓✓ An insurance contract
may contain a "gray area" or an ambiguity, that is
generally resolved in favor of the insured because
insurance policies are contracts of:
*Personal nature*
-Indemnity
-Adhesion
-Actual cash value - ..ANSWER...✓✓ If an insured sells
his car to another person, the buyer may be prohibited
from also receiving the insured's policy. This is because
the insurance contract is a contract of:
-applies to school systems.
-must have failure to use "due care."
-considers the actions of a prudent person.
*is assigned by law or statute* - ..ANSWER...✓✓ Strict or
absolute liability:
*Legal purpose*
Competent parties
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Consideration
Agreement of the parties - ..ANSWER...✓✓ Jack and
Connie - both 50 years old and of sound mind - agree to
have Jack burn down Connie's house for $10,000. What
element of a valid contract is missing?
Speculative risk
*Pure risk*
Both A & B
None of the above - ..ANSWER...✓✓ Risks that are
insurable are:
Not available in Florida insurance policies
Fourth party claims
Standard property insurance
*Liability* - ..ANSWER...✓✓ Insurance that covers the
responsibility for loss arising out of policy holder's
negligence - that results in payment to a party other than
the insured is:
Adhesion
Actual Cash Value
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*Indemnity*
Severability - ..ANSWER...✓✓ The goal of insurance is to
restore the insured to the same economic position as
before the covered loss occurred, this is the principle of:
-Aggregate Limit
-Split Limit
-Single Limit
*All of the above* - ..ANSWER...✓✓ Liability limits may
be expressed as a:
-$ 10,000
*$ 20,000*
-$ 30,000
-$40,000 - ..ANSWER...✓✓ An insured has A SPLIT limit
liability policy with 10/20/10 limits. He owes the following
people liability bodily injuries claims of: Passenger 1 =
$12,000, Passenger 2 = $10,000, Passenger 3 = $18,000.
How much liability insurance will his policy pay for these
claims?
-Lessee
2025 FLORIDA CLAIMS ADJUSTER EXAM LATEST
TEST BANK WITH 450 QUESTIONS AND CORRECT
VERIFIED ANSWERS/ FL CLAIMS ADJUSTERS TEST
2025/ FL GENERAL ADJUSTER
-Insurable Interest must exist at the time of the loss.
-Insurance Interest must exist for insurance to respond.
*Show a similarity between insurance and wagering*
-The insured would suffer an economic loss. -
..ANSWER...✓✓ All of the following describe insurable
interest EXCEPT
-It is a personal contract.
-Parties are of unequal power with ambiguities or
unclear wording resolved in favor of the insured because
it is a contract of adhesion.
*Indemnity is not part of an insurance contract*
-There are conditions imposed upon both the insurer and
insured. - ..ANSWER...✓✓ An Insurance Policy is a
contract with all of the following characteristics, EXCEPT
-Indemnity
-Cohesion
,2|Page
*Adhesion*
-Conditions - ..ANSWER...✓✓ An insurance contract
may contain a "gray area" or an ambiguity, that is
generally resolved in favor of the insured because
insurance policies are contracts of:
*Personal nature*
-Indemnity
-Adhesion
-Actual cash value - ..ANSWER...✓✓ If an insured sells
his car to another person, the buyer may be prohibited
from also receiving the insured's policy. This is because
the insurance contract is a contract of:
-applies to school systems.
-must have failure to use "due care."
-considers the actions of a prudent person.
*is assigned by law or statute* - ..ANSWER...✓✓ Strict or
absolute liability:
*Legal purpose*
Competent parties
,3|Page
Consideration
Agreement of the parties - ..ANSWER...✓✓ Jack and
Connie - both 50 years old and of sound mind - agree to
have Jack burn down Connie's house for $10,000. What
element of a valid contract is missing?
Speculative risk
*Pure risk*
Both A & B
None of the above - ..ANSWER...✓✓ Risks that are
insurable are:
Not available in Florida insurance policies
Fourth party claims
Standard property insurance
*Liability* - ..ANSWER...✓✓ Insurance that covers the
responsibility for loss arising out of policy holder's
negligence - that results in payment to a party other than
the insured is:
Adhesion
Actual Cash Value
, 4|Page
*Indemnity*
Severability - ..ANSWER...✓✓ The goal of insurance is to
restore the insured to the same economic position as
before the covered loss occurred, this is the principle of:
-Aggregate Limit
-Split Limit
-Single Limit
*All of the above* - ..ANSWER...✓✓ Liability limits may
be expressed as a:
-$ 10,000
*$ 20,000*
-$ 30,000
-$40,000 - ..ANSWER...✓✓ An insured has A SPLIT limit
liability policy with 10/20/10 limits. He owes the following
people liability bodily injuries claims of: Passenger 1 =
$12,000, Passenger 2 = $10,000, Passenger 3 = $18,000.
How much liability insurance will his policy pay for these
claims?
-Lessee
