Florida Personal Lines Agent 20-44 Bundle 2026/2027 | 2-20 Exam Prep, Practice Questions & Answers

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FL Personal Lines Agent 2044, Personal Save


Lines Final Exam, Florida 2-20, FL
Personal Lines Agent 2044, 20-44
Personal Lines Agent PreXam
Flashcards ALL SETS

Terms in this set (1259)



warranty Agreement between insured and insurer that certain
conditions will be met


Vicarious Liability Legal responsibility placed on one person for the acts of
another.




Vacant The absence of both people and property from a premises.


Unscheduled Coverage/ Blanket Insurance A single coverage amount that applies generally to personal
property.

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UM Pays insured if the at fault driver has no insurance or not
enough or Hit & run


Covers:
NI & family members in their own car, in other vehicles, and
as pedestrians.
Other persons covered while occupying NI's car


UM Stacked vs Unstacked Stacked - limits provided for two or more vehicles are added
together in determining limit of coverage available to injured
person in one accident


Unstacked - coverage available is only the limit applicable to
that specific vehicle


Subrogation Transfer to the insurance company of the insured's right to
collect for damages


Speculative Risk a situation in which either profit or loss is possible


Severability Clause A standard Liability insurance clause that means that
insurance applies separately to each insured.


Robbery The taking or attempted taking of property by one who has
caused or threatened to cause bodily harm


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Residual Market An organization created by the Legislature to provide
Florida residents with crucial or required coverages
generally unavailable in the voluntary market.


Pure Risk A situation in which there are only the possibilities of loss or
no loss but no gain




Punitive Damages Damages that punish the wrongdoer for anti-social actions,
rather than compensating for loss


Proximate Cause When there is an unbroken connection between an
occurrence and damage that grows out of the occurrence,
then the resulting damage is a part of the occurrence.


Occurrence An accident, including continuous or repeated exposure to
substantially the same general harmful conditions.


Optionally Renewable a type of health insurance that cannot be cancelled during
the policy term, but for which the company reserves the right
to non-renewal the policy at expiration.




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Personal Articles Floater Personal Inland Marine insurance which provides all-risk
coverage on nine optional classes of personal property:
jewelry, furs, cameras, musical instruments, silverware, golf
equipment, fine arts, stamp collections and coin collections.


Named Nonowner Coverage Coverage for a named individual who does not own an auto
while the insured is operating autos owned by others


Noncancellable A type of health insurance policy that the company may not
cancel, but must renew to a certain age with no change in
premium. Affords the greatest degree of continuation
protection to the insured.


Liberalization Clause A policy condition providing that if a policy form is
broadened at no additional premium, the broadened
coverage automatically applies to all existing policies of the
same type. More coverage, same premium amount


Umpire / Arbitration Court appointed 3rd party to decide on an appraisal. / Settle
claim by accepting decision of 3rd party


Inflation Guard Policy limits will increase a certain percentage at regular
intervals (annually)




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