Florida Claims Adjuster Exam, 6-20 All Lines Adjuster-
Florida Exams Questions & Answers
The successful adjuster/negotiator should understand that communication includes all of the
following EXCEPT?
Select one:
A. Verbal and non-verbal messages
B. Questioning
C. Listening
D. Decision-making - Decision-making
Which of the following is not a duty of the claims adjuster?
Select one:
A. Investigating
B. Evaluating
C. Negotiating
D. Counseling - Counseling
The adjuster's duty to the insurer is best described as?
Select one:
A. Friendly
B. Factual
C. Fun
D. Fiduciary - Fiduciary
Errors and Omissions claims are a result of?
Select one:
A. unethical behavior
B. lack of knowledge or information
C. Both unethical behavior and lack of knowledge or information are correct
D. Neither unethical behavior and lack of knowledge or information are correct - Both unethical
behavior and lack of knowledge or information are correct
Unethical behavior affects?
Select one:
A. The claimant
B. The adjuster
C. All of the above
D. The entire company - All of the above
All of the following are components of negotiating EXCEPT?
Select one:
A. The issue should be negotiable
B. There must be an exchange of value for value
C. The parties should trust each other
D. The claimant must be satisfied - The claimant must be satisfied
,The Civil Remedies Provision of the Insurance Code states that adjusters should not?
Select one:
A. Handle claims in a prompt manner
B. Accompany claims payments with statements explaining coverage
C. Settle claims in good faith
D. Try to influence settlements - Try to influence settlements
The insured, a resident of Florida, was in an accident in Georgia. The Florida car was insured
with liability limits of 10/20/10. Georgia's minimum liability limits are 20/40/10. How will the
Florida policy respond?
Select one:
A. 10/20/10
B. 20/40/10
C. No coverage
D. 20/40/20 - 20/40/10
Under a PAP, when does the insurance company cease to defend the insured?
Select one:
A. The insurance company is not obligated to defend the insured
B. After the case has been resolved
C. When the policy limit is exhausted
D. At the policy's expiration - When the policy limit is exhausted
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 - 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 - $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 - 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 - 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? - 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 - 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 - 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 - 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
D. $20,000 - $30,000
, Jim owns an auto and he is involved in an auto accident. He suffered $4,000 in medical expenses
and $4,000 of lost income. How much does his insurance pay if he has Extended PIP? Select
one:
A. $7,200
B. $8,200
C. $4,200
D. $5,200 - $7,200
If an insured has $100,000 of unstacked UM coverage with three cars on the policy, how much is
available under a UM claim?
Select one:
A. $0-
B. $300,000
C. $100,000
D. $200,000 - $100,000
The insured has a PAP with single liability of $50,000. The following loss occurs: $37,000-BI
pedestrian; $3,000-Display window; $10,000-Sports car; $1,500-Legal defense. How much
would his policy pay for the loss?
Select one:
A. $51,500
B. $37,000
C. $40,000
D. $50,000 - $51,500
The insured is driving down the road when a low hanging branch strikes and cracks his
windshield. The cost to replace the windshield is $650. The insured has a $500 collision
deductible and a $250 other than collision deductible. The insurance company will pay...?
Select one:
A. $250
B. No coverage
C. $500
D. $650 - $650
Which of the following is covered under PAP liability?
Select one:
A. Intentional damage
B. Permissive use of insured's automobile
C. Damage to property owned by the insured
D. Injury to an employee in the course of employment - Permissive use of insured's automobile
Joe is injured when the jack slips as he is changing a tire in his driveway. The bill for his
treatment in the emergency room is $450. Where will Joe go first to collect for his medical
expenses?
Select one:
A. Worker's Compensation
B. His PIP insurance
Florida Exams Questions & Answers
The successful adjuster/negotiator should understand that communication includes all of the
following EXCEPT?
Select one:
A. Verbal and non-verbal messages
B. Questioning
C. Listening
D. Decision-making - Decision-making
Which of the following is not a duty of the claims adjuster?
Select one:
A. Investigating
B. Evaluating
C. Negotiating
D. Counseling - Counseling
The adjuster's duty to the insurer is best described as?
Select one:
A. Friendly
B. Factual
C. Fun
D. Fiduciary - Fiduciary
Errors and Omissions claims are a result of?
Select one:
A. unethical behavior
B. lack of knowledge or information
C. Both unethical behavior and lack of knowledge or information are correct
D. Neither unethical behavior and lack of knowledge or information are correct - Both unethical
behavior and lack of knowledge or information are correct
Unethical behavior affects?
Select one:
A. The claimant
B. The adjuster
C. All of the above
D. The entire company - All of the above
All of the following are components of negotiating EXCEPT?
Select one:
A. The issue should be negotiable
B. There must be an exchange of value for value
C. The parties should trust each other
D. The claimant must be satisfied - The claimant must be satisfied
,The Civil Remedies Provision of the Insurance Code states that adjusters should not?
Select one:
A. Handle claims in a prompt manner
B. Accompany claims payments with statements explaining coverage
C. Settle claims in good faith
D. Try to influence settlements - Try to influence settlements
The insured, a resident of Florida, was in an accident in Georgia. The Florida car was insured
with liability limits of 10/20/10. Georgia's minimum liability limits are 20/40/10. How will the
Florida policy respond?
Select one:
A. 10/20/10
B. 20/40/10
C. No coverage
D. 20/40/20 - 20/40/10
Under a PAP, when does the insurance company cease to defend the insured?
Select one:
A. The insurance company is not obligated to defend the insured
B. After the case has been resolved
C. When the policy limit is exhausted
D. At the policy's expiration - When the policy limit is exhausted
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 - 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 - $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 - 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 - 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? - 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 - 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 - 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 - 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
D. $20,000 - $30,000
, Jim owns an auto and he is involved in an auto accident. He suffered $4,000 in medical expenses
and $4,000 of lost income. How much does his insurance pay if he has Extended PIP? Select
one:
A. $7,200
B. $8,200
C. $4,200
D. $5,200 - $7,200
If an insured has $100,000 of unstacked UM coverage with three cars on the policy, how much is
available under a UM claim?
Select one:
A. $0-
B. $300,000
C. $100,000
D. $200,000 - $100,000
The insured has a PAP with single liability of $50,000. The following loss occurs: $37,000-BI
pedestrian; $3,000-Display window; $10,000-Sports car; $1,500-Legal defense. How much
would his policy pay for the loss?
Select one:
A. $51,500
B. $37,000
C. $40,000
D. $50,000 - $51,500
The insured is driving down the road when a low hanging branch strikes and cracks his
windshield. The cost to replace the windshield is $650. The insured has a $500 collision
deductible and a $250 other than collision deductible. The insurance company will pay...?
Select one:
A. $250
B. No coverage
C. $500
D. $650 - $650
Which of the following is covered under PAP liability?
Select one:
A. Intentional damage
B. Permissive use of insured's automobile
C. Damage to property owned by the insured
D. Injury to an employee in the course of employment - Permissive use of insured's automobile
Joe is injured when the jack slips as he is changing a tire in his driveway. The bill for his
treatment in the emergency room is $450. Where will Joe go first to collect for his medical
expenses?
Select one:
A. Worker's Compensation
B. His PIP insurance
