Page 1 of 201
FLORIDA CLAIMS ADJUSTER EXAM COMPLETE 600+
QUESTIONS AND CORRECT DETAILED ANSWERS - JUST
RELEASED
Florida Claims Adjuster Exam
QUESTION: A licensed General Lines Claim Adjuster is required to complete how many hours of
continuing education every two years?
A. 6
B. 12
C. 18
D. 24 - ANSWER-D. 24
QUESTION: A motor vehicle or mobile home which is a total loss is defined as:
A. Lost Profit
B. Salvage
C. Salvageable
D. All of the Above - ANSWER-B. Salvage
It cannot be restored to prior condition
1
,Page 2 of 201
QUESTION: A policy condition, either based on information in the insured's application or
inserted by the insurer, is defined as:
A. Warranty
B. Misrepresentation
C. Concealment
D. None of the Above - ANSWER-A. Warranty
QUESTION: A policy may contain a provision which states a period of time between issuance
and acceptance before sickness benefits begin. This is defined as:
A. Waiting Period
B. Elimination Period
C. Both A & B
D. None of the Above - ANSWER-C. Both A & B
This helps keep premiums reasonable by eliminating chance of persons buying coverage only
when they are sick
QUESTION: A relationship that requires maintenance of a high degree of fidelity and loyalty to
the interests of the principal, whether or not the adjuster is a direct employee is defined as:
A. Fiduciary
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,Page 3 of 201
B. Estoppel
C. Public
D. None of the Above - ANSWER-A. Fiduciary
Should always be maintained whether or not the adjuster is a direct employee
A __________ is a selected group of hospitals and medical practitioners in a given area who
have joined together in an effort to reduce medical costs.
A. HMO
B. Major Medical Insurance
C. Coinsurance
D. PPO - ANSWER-D. PPO
Most plans provide that emergency treatment will be paid even if treated party does not go to
service provider on approved list.
QUESTION: A customer representative appointed by a general lines agent or agency in
transacting only the business of private passenger motor vehicle insurance from the office of
that agent or agency is defined as:
A. Automobile Agent
B. Automobile Representative
C. Limited Customer Service Representative
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, Page 4 of 201
D. Limited Customer Service Agent - ANSWER-C. Limited Customer Service Representative
QUESTION: A General Lines Agent instructs a licensed Customer Representative 4-40 to
thoroughly cover the details of a new life insurance product with every Homeowner customer
who calls or visits the office. The agent provides training on the new product. Although the
Customer Representative does not have a Life License, he or she feels comfortable with the
training and does as requested.
Which of the following is true?
A. This practice is acceptable if done in the office under supervision of General Lines Agent
B. This practice is acceptable because adequate training and product knowledge was provided
C. This practice is unacceptable and may result in the suspension or revocation of the Customer
Representative's license
D. This practice is only acceptable if the product training was certified by the Life Insurance
Company - ANSWER-C. This practice is unacceptable and may result in the suspension or
revocation of the Customer Representative's license
QUESTION: A General Lines Claim Adjuster is required to obtain the same number of Continuing
Education hours as a licensed Customer Service Representative.
A. True
B. False - ANSWER-B. False
4
FLORIDA CLAIMS ADJUSTER EXAM COMPLETE 600+
QUESTIONS AND CORRECT DETAILED ANSWERS - JUST
RELEASED
Florida Claims Adjuster Exam
QUESTION: A licensed General Lines Claim Adjuster is required to complete how many hours of
continuing education every two years?
A. 6
B. 12
C. 18
D. 24 - ANSWER-D. 24
QUESTION: A motor vehicle or mobile home which is a total loss is defined as:
A. Lost Profit
B. Salvage
C. Salvageable
D. All of the Above - ANSWER-B. Salvage
It cannot be restored to prior condition
1
,Page 2 of 201
QUESTION: A policy condition, either based on information in the insured's application or
inserted by the insurer, is defined as:
A. Warranty
B. Misrepresentation
C. Concealment
D. None of the Above - ANSWER-A. Warranty
QUESTION: A policy may contain a provision which states a period of time between issuance
and acceptance before sickness benefits begin. This is defined as:
A. Waiting Period
B. Elimination Period
C. Both A & B
D. None of the Above - ANSWER-C. Both A & B
This helps keep premiums reasonable by eliminating chance of persons buying coverage only
when they are sick
QUESTION: A relationship that requires maintenance of a high degree of fidelity and loyalty to
the interests of the principal, whether or not the adjuster is a direct employee is defined as:
A. Fiduciary
2
,Page 3 of 201
B. Estoppel
C. Public
D. None of the Above - ANSWER-A. Fiduciary
Should always be maintained whether or not the adjuster is a direct employee
A __________ is a selected group of hospitals and medical practitioners in a given area who
have joined together in an effort to reduce medical costs.
A. HMO
B. Major Medical Insurance
C. Coinsurance
D. PPO - ANSWER-D. PPO
Most plans provide that emergency treatment will be paid even if treated party does not go to
service provider on approved list.
QUESTION: A customer representative appointed by a general lines agent or agency in
transacting only the business of private passenger motor vehicle insurance from the office of
that agent or agency is defined as:
A. Automobile Agent
B. Automobile Representative
C. Limited Customer Service Representative
3
, Page 4 of 201
D. Limited Customer Service Agent - ANSWER-C. Limited Customer Service Representative
QUESTION: A General Lines Agent instructs a licensed Customer Representative 4-40 to
thoroughly cover the details of a new life insurance product with every Homeowner customer
who calls or visits the office. The agent provides training on the new product. Although the
Customer Representative does not have a Life License, he or she feels comfortable with the
training and does as requested.
Which of the following is true?
A. This practice is acceptable if done in the office under supervision of General Lines Agent
B. This practice is acceptable because adequate training and product knowledge was provided
C. This practice is unacceptable and may result in the suspension or revocation of the Customer
Representative's license
D. This practice is only acceptable if the product training was certified by the Life Insurance
Company - ANSWER-C. This practice is unacceptable and may result in the suspension or
revocation of the Customer Representative's license
QUESTION: A General Lines Claim Adjuster is required to obtain the same number of Continuing
Education hours as a licensed Customer Service Representative.
A. True
B. False - ANSWER-B. False
4
