6-20 FLORIDA INSURANCE ADJUSTER LICENSE EXAM | COMPLETE STUDY GUIDE
WITH PRACTICE QUESTIONS AND VERIFIED ANSWERS
1. Auto Insurance for a driver who doesn't own a car: name non owned
2. Punishment for not having PIP in Florids: SR-22 Coverage. More expensive and you must carry
for 3 years
3. the death benefit from PIP: $5,000
4. what will basic PIP pay for?: medical bills, lost wages, replacement services (80%,60%,100%)
5. what vehicles are required to have PIP: 4 or more wheels licensed for road use incl trailers and
semis
6. Does PIP follow the person or the vehicle?: follow the person
7. What actions are not covered under PIP: self inflicted injury, injury from illegal action, inj in
uninsured vehicle are not covered
8. When does PIP apply outside of Florida?: In insured car and the insured driver is driving
9. Who is required to have PIP?: Title owners, debtors in possession, leases longer than 6 months, non
residents in Florida for 90 days in the precious 365
10. What autos are covered under a policy?: listed vehicles, newly acquired vehicles, trailers,
temporary replacement
11. Personal Auto Insurance Policy Part A: This section covers incidents due to Liability in an auto
claim
12. What is excluded from Part A liability coverage?: illegal acts, intentional acts, property of
insured
13. What is covered under Personal Auto Part B: MedPay
14. Does Medpay apply to the insured under own policy?: Yes
15. When will MedPay not be applied?: Less than 4 wheels, if worкers comp is available, non-per-
missive users, furnished for regular use
16. What is covered in Personal Auto Part C: Uninsured motorist is covered under this part for
Personal Auto
17. What is covered under uninsured motorist Personal Auto Part C: The uninsured,
the underinsured, insolvency in insurance, hit & run, refusal to pay from insurance are covered under Part C.
18. What form must be turned in to reject or lower UM coverage: selection/rejection
form
19. what is covered under Part D personal auto policy?: Physical Damage
20. What are: Collision and Comprehensive (other than collision)
21. what is described in Part E of personal auto?: Duties
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, 6-20 FLORIDA INSURANCE ADJUSTER LICENSE EXAM | COMPLETE STUDY GUIDE
WITH PRACTICE QUESTIONS AND VERIFIED ANSWERS
22. what is described in Part F: General Provisions
23. what are the premium rating factors for personal auto coverage: age/gen-
der/marital status, usage, record, vehicle, coverage, credit score
24. Rating factors for a business auto policy: Driving Radius, Weight, Territory, Business Use
25. What properties are eligible for Dwelling Protection Insurers: low-value dwellings,
mobile homes, business owned, rented dwellings, no larger than 4 units
26. What describes an insurance policy which covers all perils not excluded: all
risк
27. Business Auto Policy: Insurance policy meant for those in the automobile business
28. DP Part A: The part responsible for insuring the dwelling. can be insured for any amount
29. DP Part B: insures unattached structures in a DP Policy for 10% of Part A
30. DP Part C: insures personal property in a DP Policy
31. DP Part D: if rented out, this part of a DP Policy covers lost income from rent
32. DP Part E: coverage for additional living expenses in a DP Policy should the property be uninhabitable. (owner
must live on property)
33. the hurricane deductible: 2-10% of home value
34. Inflation Guard: a coverage extension that automatically increases amounts of insurance on buildings by
an agreed upon percentage annually
35. People eligible for Homeowners insurance: owner occupants, 1-4 families, private residen-
tial, not farms
36. people covered under a HO policy: named, resident spouse, resident relatives, under 21 in care
of insured, full time student away from home (parent insurance), personal property of guests
37. HO2 Policy: Basic Perils, least coverage
38. HO3 policy: extended, All Risк on structure, named perils for contents HO
39. HO5 Policy: special, all Risк for contents and structure HO
40. HO4: renters insurance, named perils
41. HO6: condos, insures the unfinished walls in, fire & theft included
42. HO8: basic older home, when rebuild cost is greater than value
43. ho7: mobile homes
44. Part A of HO policy: covers structure
45. Part B of HO policy: HO, other structures coverage, 10% of A
46. Part C of HO policy: HO personal property, up to 50% of A
2/8
WITH PRACTICE QUESTIONS AND VERIFIED ANSWERS
1. Auto Insurance for a driver who doesn't own a car: name non owned
2. Punishment for not having PIP in Florids: SR-22 Coverage. More expensive and you must carry
for 3 years
3. the death benefit from PIP: $5,000
4. what will basic PIP pay for?: medical bills, lost wages, replacement services (80%,60%,100%)
5. what vehicles are required to have PIP: 4 or more wheels licensed for road use incl trailers and
semis
6. Does PIP follow the person or the vehicle?: follow the person
7. What actions are not covered under PIP: self inflicted injury, injury from illegal action, inj in
uninsured vehicle are not covered
8. When does PIP apply outside of Florida?: In insured car and the insured driver is driving
9. Who is required to have PIP?: Title owners, debtors in possession, leases longer than 6 months, non
residents in Florida for 90 days in the precious 365
10. What autos are covered under a policy?: listed vehicles, newly acquired vehicles, trailers,
temporary replacement
11. Personal Auto Insurance Policy Part A: This section covers incidents due to Liability in an auto
claim
12. What is excluded from Part A liability coverage?: illegal acts, intentional acts, property of
insured
13. What is covered under Personal Auto Part B: MedPay
14. Does Medpay apply to the insured under own policy?: Yes
15. When will MedPay not be applied?: Less than 4 wheels, if worкers comp is available, non-per-
missive users, furnished for regular use
16. What is covered in Personal Auto Part C: Uninsured motorist is covered under this part for
Personal Auto
17. What is covered under uninsured motorist Personal Auto Part C: The uninsured,
the underinsured, insolvency in insurance, hit & run, refusal to pay from insurance are covered under Part C.
18. What form must be turned in to reject or lower UM coverage: selection/rejection
form
19. what is covered under Part D personal auto policy?: Physical Damage
20. What are: Collision and Comprehensive (other than collision)
21. what is described in Part E of personal auto?: Duties
1/8
, 6-20 FLORIDA INSURANCE ADJUSTER LICENSE EXAM | COMPLETE STUDY GUIDE
WITH PRACTICE QUESTIONS AND VERIFIED ANSWERS
22. what is described in Part F: General Provisions
23. what are the premium rating factors for personal auto coverage: age/gen-
der/marital status, usage, record, vehicle, coverage, credit score
24. Rating factors for a business auto policy: Driving Radius, Weight, Territory, Business Use
25. What properties are eligible for Dwelling Protection Insurers: low-value dwellings,
mobile homes, business owned, rented dwellings, no larger than 4 units
26. What describes an insurance policy which covers all perils not excluded: all
risк
27. Business Auto Policy: Insurance policy meant for those in the automobile business
28. DP Part A: The part responsible for insuring the dwelling. can be insured for any amount
29. DP Part B: insures unattached structures in a DP Policy for 10% of Part A
30. DP Part C: insures personal property in a DP Policy
31. DP Part D: if rented out, this part of a DP Policy covers lost income from rent
32. DP Part E: coverage for additional living expenses in a DP Policy should the property be uninhabitable. (owner
must live on property)
33. the hurricane deductible: 2-10% of home value
34. Inflation Guard: a coverage extension that automatically increases amounts of insurance on buildings by
an agreed upon percentage annually
35. People eligible for Homeowners insurance: owner occupants, 1-4 families, private residen-
tial, not farms
36. people covered under a HO policy: named, resident spouse, resident relatives, under 21 in care
of insured, full time student away from home (parent insurance), personal property of guests
37. HO2 Policy: Basic Perils, least coverage
38. HO3 policy: extended, All Risк on structure, named perils for contents HO
39. HO5 Policy: special, all Risк for contents and structure HO
40. HO4: renters insurance, named perils
41. HO6: condos, insures the unfinished walls in, fire & theft included
42. HO8: basic older home, when rebuild cost is greater than value
43. ho7: mobile homes
44. Part A of HO policy: covers structure
45. Part B of HO policy: HO, other structures coverage, 10% of A
46. Part C of HO policy: HO personal property, up to 50% of A
2/8
