FLORIDA 6 20 ALL LINES ADJUSTER
PROPERTY DAMAGE EVALUATION
SCENARIOS PRACTICE SET 2026 GRADED
A+
◉ The Florida Financial Responsibility Law is triggered by?
Select one:
A. Registration of the vehicle
B. Purchase of the vehicle
C. An accident involving bodily injury or property damage
D. Purchase of an auto policy.
Answer: An accident involving bodily injury or property damage
◉ The insured is an owner and is insured for PIP. She is injured in an
accident and has the following damages? medicals-$12,000, lost
wages-$6,000. How much will PIP pay if there is a $1,000
deductible?
Select one:
A. $11,200
B. $12,400
C. $9,600
,D. $10,000.
Answer: $10,000
◉ Trucker insurance premiums are based on all EXCEPT?
Select one:
A. Radius
B. Age of the driver
C. Type of business
D. Territory garaged.
Answer: Age of the driver
◉ Joe works for Sinks-R-Us, Inc. As part of his compensation
package, he is supplied with a company car, which he gets to take
home every night. Joe wants to make sure the Liability coverage
under his PAP covers him while driving his company car. What
coverage would you add to Joe's PAP?
Select one:
A. Named Non-owned coverage
B. Extended Non-owned Liability coverage
C. Drive Away Liability coverage
D. False Pretense coverage.
Answer: Extended Non-owned Liability coverage
,◉ Dan has a Personal Auto Policy with Liability of 10/20/10 and
basic PIP with a $1,000 deductible. He is running one day when a car
strikes him. A week later he dies. Medical bills are $7,500 and lost
wages are $1,000. How much, if any, will PIP pay in this claim?.
Answer: 10,800.00
◉ Joe is an owner insured for PIP. In which of the following
situations does Joe have his PIP benefits available to him?
Select one:
A. In a slip and fall accident in the mall in Florida
B. In an accident while riding his motorcycle
C. Struck as a pedestrian in Georgia
D. In an accident while riding as a passenger in a friend's car in
Florida.
Answer: In an accident while riding as a passenger in a friend's car
in Florida
◉ The insured bought a new car with a Mechanical Breakdown
Policy. When the odometer reaches 40,000 the car has a serious
breakdown involving the transmission. How does the Mechanical
Breakdown Policy respond?
Select one:
A. No coverage because the policy expired
B. No coverage because a transmission is not covered
, C. ACV coverage will apply
D. Replacement cost coverage will apply.
Answer: No coverage because the policy expired
◉ An insured borrows his neighbor's trailer to pick up his new
furniture. Which of the following best describes the insured if he has
an accident?
Select one:
A. His PAP will extend coverage if the proper endorsement is added
B. Only the liability of the PAP extends to the trailer
C. His auto is insured, but not the borrowed trailer
D. His PAP extends liability to the trailer and Part D-Physical Damage
extends $1,500 coverage to the borrowed trailer.
Answer: His PAP extends liability to the trailer and Part D-Physical
Damage extends $1,500 coverage to the borrowed trailer
◉ Jane is driving Mary's car. Jane has an at-fault accident with Bob.
Mary has liability limits of 10/20/10. Jane has liability limits of
100/300/100. If Bob has $40,000 in bodily injury, how much will be
collected from Jane's policy? (IGNORE PIP)
Select one:
A. $30,000
B. $10,000
C. $50,000
PROPERTY DAMAGE EVALUATION
SCENARIOS PRACTICE SET 2026 GRADED
A+
◉ The Florida Financial Responsibility Law is triggered by?
Select one:
A. Registration of the vehicle
B. Purchase of the vehicle
C. An accident involving bodily injury or property damage
D. Purchase of an auto policy.
Answer: An accident involving bodily injury or property damage
◉ The insured is an owner and is insured for PIP. She is injured in an
accident and has the following damages? medicals-$12,000, lost
wages-$6,000. How much will PIP pay if there is a $1,000
deductible?
Select one:
A. $11,200
B. $12,400
C. $9,600
,D. $10,000.
Answer: $10,000
◉ Trucker insurance premiums are based on all EXCEPT?
Select one:
A. Radius
B. Age of the driver
C. Type of business
D. Territory garaged.
Answer: Age of the driver
◉ Joe works for Sinks-R-Us, Inc. As part of his compensation
package, he is supplied with a company car, which he gets to take
home every night. Joe wants to make sure the Liability coverage
under his PAP covers him while driving his company car. What
coverage would you add to Joe's PAP?
Select one:
A. Named Non-owned coverage
B. Extended Non-owned Liability coverage
C. Drive Away Liability coverage
D. False Pretense coverage.
Answer: Extended Non-owned Liability coverage
,◉ Dan has a Personal Auto Policy with Liability of 10/20/10 and
basic PIP with a $1,000 deductible. He is running one day when a car
strikes him. A week later he dies. Medical bills are $7,500 and lost
wages are $1,000. How much, if any, will PIP pay in this claim?.
Answer: 10,800.00
◉ Joe is an owner insured for PIP. In which of the following
situations does Joe have his PIP benefits available to him?
Select one:
A. In a slip and fall accident in the mall in Florida
B. In an accident while riding his motorcycle
C. Struck as a pedestrian in Georgia
D. In an accident while riding as a passenger in a friend's car in
Florida.
Answer: In an accident while riding as a passenger in a friend's car
in Florida
◉ The insured bought a new car with a Mechanical Breakdown
Policy. When the odometer reaches 40,000 the car has a serious
breakdown involving the transmission. How does the Mechanical
Breakdown Policy respond?
Select one:
A. No coverage because the policy expired
B. No coverage because a transmission is not covered
, C. ACV coverage will apply
D. Replacement cost coverage will apply.
Answer: No coverage because the policy expired
◉ An insured borrows his neighbor's trailer to pick up his new
furniture. Which of the following best describes the insured if he has
an accident?
Select one:
A. His PAP will extend coverage if the proper endorsement is added
B. Only the liability of the PAP extends to the trailer
C. His auto is insured, but not the borrowed trailer
D. His PAP extends liability to the trailer and Part D-Physical Damage
extends $1,500 coverage to the borrowed trailer.
Answer: His PAP extends liability to the trailer and Part D-Physical
Damage extends $1,500 coverage to the borrowed trailer
◉ Jane is driving Mary's car. Jane has an at-fault accident with Bob.
Mary has liability limits of 10/20/10. Jane has liability limits of
100/300/100. If Bob has $40,000 in bodily injury, how much will be
collected from Jane's policy? (IGNORE PIP)
Select one:
A. $30,000
B. $10,000
C. $50,000
