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FLORIDA CLAIMS ADJUSTER
ACTUAL EXAM 2026 | 200 QUESTIONS
AND CORRECT DETAILED ANSWERS |
ALREADY A GRADED | NEW AND
REVISED
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?
A. Conditional Contract
B. Adhesion Contract
C. Indemnity Contract
D. All of the Above - ANSWER- A. Conditional Contract
"may be conditioned"
Which of the following is not one of the "Thresholds" in the "No-Fault"
law?
A. Death of the Insured
B. Temporary Injury of the Insured
C. A permanent loss of a bodily function
D. Permanent scarring on the face of the insured - ANSWER- B.
Temporary Injury of the Insured
Also included: permanent injury other than scarring and disfigurement
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Under Mechanical Breakdown Coverage, new cars are eligible for
service up to:
A. 36 Months/36,000 Miles
B. 24 Months/36,000 Miles
C. 12,000 Months/12,000 Miles
D. 12 Months/36,000 Miles - ANSWER- A. 36 Months/36,000 Miles
Used vehicles: 12 Months/12,000 Miles
If financial responsibility doesn't exist at the time of an accident, which
of the following things must happen to avoid penalties?
A. The legally valid claims of others must be satisfied (up to 10/20/10)
B. The owner and operator must provide certification of future
responsibility for future accidents
C. Both A & B
D. None of the Above - ANSWER- C. Both A & B
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:
A. 1
B. 3
C. 4
D. 2 - ANSWER- B. 3
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The Business Automobile Policy includes all of the following coverage
forms except:
A. The Garage Coverage Form
B. The Trailer Interchange Coverage Form
C. The Truckers Coverage Form
D. The Business Auto Coverage Form - ANSWER- B. The Trailer
Interchange Coverage Form
Personal Injury Protection, or PIP, has a __________ per person, per
accident limit.
A. 10,000
B. 20,000
C. 1,000
D. Depends on the damaged property - ANSWER- A. 10,000
Used to insure businesses engaged in selling, servicing, repairing,
parking or storing automobiles:
A. Servicing Coverage Form
B. Garage Coverage Form
C. Truckers Coverage Form
D. None of the Above - ANSWER- B. Garage Coverage Form
The following examples are referred to as __________ liability limits:
25/50/25 or 10/20/10.
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A. Split
B. Single
C. Straight
D. None of the Above - ANSWER- A. 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?
A. $1,600
B. $1,000
C. $2,400
D. $3,000 - ANSWER- A. $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?
A. $15,000
FLORIDA CLAIMS ADJUSTER
ACTUAL EXAM 2026 | 200 QUESTIONS
AND CORRECT DETAILED ANSWERS |
ALREADY A GRADED | NEW AND
REVISED
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?
A. Conditional Contract
B. Adhesion Contract
C. Indemnity Contract
D. All of the Above - ANSWER- A. Conditional Contract
"may be conditioned"
Which of the following is not one of the "Thresholds" in the "No-Fault"
law?
A. Death of the Insured
B. Temporary Injury of the Insured
C. A permanent loss of a bodily function
D. Permanent scarring on the face of the insured - ANSWER- B.
Temporary Injury of the Insured
Also included: permanent injury other than scarring and disfigurement
,2|Page
Under Mechanical Breakdown Coverage, new cars are eligible for
service up to:
A. 36 Months/36,000 Miles
B. 24 Months/36,000 Miles
C. 12,000 Months/12,000 Miles
D. 12 Months/36,000 Miles - ANSWER- A. 36 Months/36,000 Miles
Used vehicles: 12 Months/12,000 Miles
If financial responsibility doesn't exist at the time of an accident, which
of the following things must happen to avoid penalties?
A. The legally valid claims of others must be satisfied (up to 10/20/10)
B. The owner and operator must provide certification of future
responsibility for future accidents
C. Both A & B
D. None of the Above - ANSWER- C. Both A & B
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:
A. 1
B. 3
C. 4
D. 2 - ANSWER- B. 3
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The Business Automobile Policy includes all of the following coverage
forms except:
A. The Garage Coverage Form
B. The Trailer Interchange Coverage Form
C. The Truckers Coverage Form
D. The Business Auto Coverage Form - ANSWER- B. The Trailer
Interchange Coverage Form
Personal Injury Protection, or PIP, has a __________ per person, per
accident limit.
A. 10,000
B. 20,000
C. 1,000
D. Depends on the damaged property - ANSWER- A. 10,000
Used to insure businesses engaged in selling, servicing, repairing,
parking or storing automobiles:
A. Servicing Coverage Form
B. Garage Coverage Form
C. Truckers Coverage Form
D. None of the Above - ANSWER- B. Garage Coverage Form
The following examples are referred to as __________ liability limits:
25/50/25 or 10/20/10.
, 4|Page
A. Split
B. Single
C. Straight
D. None of the Above - ANSWER- A. 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?
A. $1,600
B. $1,000
C. $2,400
D. $3,000 - ANSWER- A. $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?
A. $15,000
