Florida Claims Adjuster Exam, 6-20 All Lines Adjuster Questions & Answers
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:
Named Non-owned coverage
Extended Non-owned Liability coverage
Drive Away Liability coverage
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:
In a slip and fall accident in the mall in Florida
In an accident while riding his motorcycle
Struck as a pedestrian in Georgia
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:
No coverage because the policy expired
No coverage because a transmission is not covered
ACV coverage will apply
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:
His PAP will extend coverage if the proper endorsement is added
Only the liability of the PAP extends to the trailer
His auto is insured, but not the borrowed trailer
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
The successful adjuster/negotiator should understand that communication includes all of the following
EXCEPT?
Select one:
Verbal and non-verbal messages
Questioning
Listening
Decision-making - Decision-making
Which of the following is not a duty of the claims adjuster? Select one:
Investigating
Evaluating
Negotiating
Counseling - Counseling
The adjuster's duty to the insurer is best described as? Select one:
Friendly
Factual
Fun
Fiduciary - Fiduciary
Errors and Omissions claims are a result of? Select one:
unethical behavior
lack of knowledge or information
Both unethical behavior and lack of knowledge or information are correct
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:
The claimant
The adjuster
All of the above
The entire company - All of the above
All of the following are components of negotiating EXCEPT? Select one:
The issue should be negotiable
,There must be an exchange of value for value
The parties should trust each other
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:
Handle claims in a prompt manner
Accompany claims payments with statements explaining coverage
Settle claims in good faith
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:
The insurance company is not obligated to defend the insured
After the case has been resolved
When the policy limit is exhausted
At the policy's expiration - When the policy limit is exhausted
The Florida Financial Responsibility Law is triggered by? Select one:
Registration of the vehicle
Purchase of the vehicle
An accident involving bodily injury or property damage
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:
Radius
Age of the driver
Type of business
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:
Named Non-owned coverage
Extended Non-owned Liability coverage
Drive Away Liability coverage
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:
In a slip and fall accident in the mall in Florida
In an accident while riding his motorcycle
Struck as a pedestrian in Georgia
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:
No coverage because the policy expired
No coverage because a transmission is not covered
ACV coverage will apply
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:
His PAP will extend coverage if the proper endorsement is added
Only the liability of the PAP extends to the trailer
His auto is insured, but not the borrowed trailer
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
The successful adjuster/negotiator should understand that communication includes all of the following
EXCEPT?
Select one:
Verbal and non-verbal messages
Questioning
Listening
Decision-making - Decision-making
Which of the following is not a duty of the claims adjuster? Select one:
Investigating
Evaluating
Negotiating
Counseling - Counseling
The adjuster's duty to the insurer is best described as? Select one:
Friendly
Factual
Fun
Fiduciary - Fiduciary
Errors and Omissions claims are a result of? Select one:
unethical behavior
lack of knowledge or information
Both unethical behavior and lack of knowledge or information are correct
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:
The claimant
The adjuster
All of the above
The entire company - All of the above
All of the following are components of negotiating EXCEPT? Select one:
The issue should be negotiable
,There must be an exchange of value for value
The parties should trust each other
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:
Handle claims in a prompt manner
Accompany claims payments with statements explaining coverage
Settle claims in good faith
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:
The insurance company is not obligated to defend the insured
After the case has been resolved
When the policy limit is exhausted
At the policy's expiration - When the policy limit is exhausted
The Florida Financial Responsibility Law is triggered by? Select one:
Registration of the vehicle
Purchase of the vehicle
An accident involving bodily injury or property damage
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:
Radius
Age of the driver
Type of business
Territory garaged - Age of the driver
