Florida 220 Exam Study Cards
Financial Responsiblity correct answers Meets these requirements:
1. claims of others must be satisfied to 10/20/10 requirements
2. the owner and operator must be certified for financial responsibility of future accidents
DUI PAP limits correct answers 100/300/50 or a posted bong for $350,000 for a min of
three years. After three years, standard coverage limits (10/20/10) are allowed
SR-22 correct answers vehicle liability insurance document required by most state
Department of Motor Vehicles (DMV) offices [b] for "high-risk" insurance policies. This is
still needed for a named nonowner policy is bought
Motor Vehicles correct answers self-propelled vehicles with four or more wheels that
are a type both designed and required to be licensed for use on Fl highways, along with
trailers and semi-trailers.
Vehicles Exempt from No-Fault Coverage correct answers mobile homes, anything
involving mass transit, taxicabs, limousines, school buses
Non Residents (PAP) correct answers If in Fl for more than 90 days they will be
required to register their vehicles.
Penalties correct answers 1. owner is denied immunity from legal liabilities
2. owner is personally liable for PIP benefits to those entitled
3. owner's driver's license and registration are subject to suspension
Personal Injury Protection correct answers 1. Medical
2. Work Loss
3. Replacement Services
4. Death
Pays for 80% medical bills and 60% work loss bills.
PIP Deductibles correct answers $250, $500, and $1000. They are deducted from the
total medical expenses before the percentage of payment is applied for a claim and do
not reduce the total $10,000 maximum by the deductible amount.
Primary/Excess correct answers PIP=Primary against all forms of medical and disability
except for workers comp. It is in excess to WC.
Tort Exemption (No Fault Law) correct answers Anyone legally responsible for bodily
injuries arising from accident is exempt. In extreme cases, law suits can be filed
Financial Responsiblity correct answers Meets these requirements:
1. claims of others must be satisfied to 10/20/10 requirements
2. the owner and operator must be certified for financial responsibility of future accidents
DUI PAP limits correct answers 100/300/50 or a posted bong for $350,000 for a min of
three years. After three years, standard coverage limits (10/20/10) are allowed
SR-22 correct answers vehicle liability insurance document required by most state
Department of Motor Vehicles (DMV) offices [b] for "high-risk" insurance policies. This is
still needed for a named nonowner policy is bought
Motor Vehicles correct answers self-propelled vehicles with four or more wheels that
are a type both designed and required to be licensed for use on Fl highways, along with
trailers and semi-trailers.
Vehicles Exempt from No-Fault Coverage correct answers mobile homes, anything
involving mass transit, taxicabs, limousines, school buses
Non Residents (PAP) correct answers If in Fl for more than 90 days they will be
required to register their vehicles.
Penalties correct answers 1. owner is denied immunity from legal liabilities
2. owner is personally liable for PIP benefits to those entitled
3. owner's driver's license and registration are subject to suspension
Personal Injury Protection correct answers 1. Medical
2. Work Loss
3. Replacement Services
4. Death
Pays for 80% medical bills and 60% work loss bills.
PIP Deductibles correct answers $250, $500, and $1000. They are deducted from the
total medical expenses before the percentage of payment is applied for a claim and do
not reduce the total $10,000 maximum by the deductible amount.
Primary/Excess correct answers PIP=Primary against all forms of medical and disability
except for workers comp. It is in excess to WC.
Tort Exemption (No Fault Law) correct answers Anyone legally responsible for bodily
injuries arising from accident is exempt. In extreme cases, law suits can be filed
