FLORIDA GENERAL LINES AGENT
CERTIFICATION EXAMINATION 2026
PREMIUM QUESTIONS AND SOLUTIONS
◉ John has $10,000 PIP and got in accident in Florida due to the
fault of the other driver and incurred $20,000 in medical expense.
What is the amount John can recover under Tort law for his medical
expenses not covered by his PIP?
Answer: $10,000 ($10,000 - $20,00);Note:80% of $20,000 = $16,000
which exceeds the PIP limit of $10,000 so the coverage amount
would be $10,000 and John can sue for the amount not recovered
from PIP which is $10,000
◉ The following are exclusions under PIP except?
a.All are exclusions
b.Injuries resulting from self-inflicted injuries or during the
commission of a felony
c.Persons operating the insured auto without permission
d.Insureds occupying a vehicle owned not covered for PIP
Answer: a
,◉ The following are exemptions (thresholds) for suits under tort
law for injuries (pain and suffering) of an insured resulting from an
at fault driver except?
a.Permanent injury other than scaring and disfigurement
b.Significant and permanent loss of bodily function
c.All are thresholds
d.Significant and permanent scaring and disfigurement
Answer: c
◉ What is the required written notice an insurer is required to
provide an insured for cancellation or non-renewal of coverage for
automobile coverage?
a.10 days for non-payment of premiums both for cancellation and
non-renewal
b.All are required
c.Florida requires 45 days' notice for cancellations (first 90 days of
coverage)
d.Florida requires 45 days' notice for non-renewal (after 90 days
coverage) and renewal of coverage
Answer: b
,◉ The following are related to uninsured motorist (UM) coverage in
Florida except?
a.The agent is required to offer UM coverage at the time of an
application and have subject sign a written waiver by the applicant
for refusal of coverage
b.The insurer is required to offer UM coverage for insureds without
UM coverage each year at the renewal date of the policy
c.All apply to Uninsured Motorists coverage in Florida
d.The UM coverage must be at least equal to the policy bodily injury
liability coverage limit and have subject sign a waiver for lesser
coverage
Answer: c
◉ A Florida resident with physical damage coverage subject to a
deductible of $500 got in an accident that damage the auto glass and
it would cost $1,500 to repair. What coverage would apply to the
glass damage?
Answer: $1,500 (no deductible apply to glass damage in Florida
◉ Which of the following is not eligible for coverage under the
personal auto policy (PAP)?
a.An auto title in the name of a business
, b.A private passenger type auto including a Jeep or Station wagon
c.A van or pickup with a gross weight of less than 10,000 pounds
and not used to transport goods or materials
d.An auto lease for a period of 6 months or more
Answer: a
◉ Which of the following would not be part of the personal auto
policy (PAP) declaration page?
a.The telephone number of the insured
b.The coverages, limits and any applicable deductibles
c.The name of the loss payee (a creditor's interest in the auto)
d.The policy period and insurer's name and home office address
Answer: a
◉ Which of the following would not be considered as a covered auto
under the PAP?
a.An auto permanently assigned to an insured
b.A temporary substitute auto due to the breakdown, repair or
maintenance of the insured covered auto and a non-own auto not
permanently assigned to an insured
CERTIFICATION EXAMINATION 2026
PREMIUM QUESTIONS AND SOLUTIONS
◉ John has $10,000 PIP and got in accident in Florida due to the
fault of the other driver and incurred $20,000 in medical expense.
What is the amount John can recover under Tort law for his medical
expenses not covered by his PIP?
Answer: $10,000 ($10,000 - $20,00);Note:80% of $20,000 = $16,000
which exceeds the PIP limit of $10,000 so the coverage amount
would be $10,000 and John can sue for the amount not recovered
from PIP which is $10,000
◉ The following are exclusions under PIP except?
a.All are exclusions
b.Injuries resulting from self-inflicted injuries or during the
commission of a felony
c.Persons operating the insured auto without permission
d.Insureds occupying a vehicle owned not covered for PIP
Answer: a
,◉ The following are exemptions (thresholds) for suits under tort
law for injuries (pain and suffering) of an insured resulting from an
at fault driver except?
a.Permanent injury other than scaring and disfigurement
b.Significant and permanent loss of bodily function
c.All are thresholds
d.Significant and permanent scaring and disfigurement
Answer: c
◉ What is the required written notice an insurer is required to
provide an insured for cancellation or non-renewal of coverage for
automobile coverage?
a.10 days for non-payment of premiums both for cancellation and
non-renewal
b.All are required
c.Florida requires 45 days' notice for cancellations (first 90 days of
coverage)
d.Florida requires 45 days' notice for non-renewal (after 90 days
coverage) and renewal of coverage
Answer: b
,◉ The following are related to uninsured motorist (UM) coverage in
Florida except?
a.The agent is required to offer UM coverage at the time of an
application and have subject sign a written waiver by the applicant
for refusal of coverage
b.The insurer is required to offer UM coverage for insureds without
UM coverage each year at the renewal date of the policy
c.All apply to Uninsured Motorists coverage in Florida
d.The UM coverage must be at least equal to the policy bodily injury
liability coverage limit and have subject sign a waiver for lesser
coverage
Answer: c
◉ A Florida resident with physical damage coverage subject to a
deductible of $500 got in an accident that damage the auto glass and
it would cost $1,500 to repair. What coverage would apply to the
glass damage?
Answer: $1,500 (no deductible apply to glass damage in Florida
◉ Which of the following is not eligible for coverage under the
personal auto policy (PAP)?
a.An auto title in the name of a business
, b.A private passenger type auto including a Jeep or Station wagon
c.A van or pickup with a gross weight of less than 10,000 pounds
and not used to transport goods or materials
d.An auto lease for a period of 6 months or more
Answer: a
◉ Which of the following would not be part of the personal auto
policy (PAP) declaration page?
a.The telephone number of the insured
b.The coverages, limits and any applicable deductibles
c.The name of the loss payee (a creditor's interest in the auto)
d.The policy period and insurer's name and home office address
Answer: a
◉ Which of the following would not be considered as a covered auto
under the PAP?
a.An auto permanently assigned to an insured
b.A temporary substitute auto due to the breakdown, repair or
maintenance of the insured covered auto and a non-own auto not
permanently assigned to an insured
