Florida 220 Exam
Financial Responsiblity correct answersMeets 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 answers100/300/50 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 answersvehicle 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 answersself-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 answersmobile homes,
anything involving mass transit, taxicabs, limousines, school buses
Non Residents (PAP) correct answersIf in Fl for more than 90 days they will
be required to register their vehicles.
Penalties correct answers1. 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 answers1. Medical
4. Work Loss
5. Replacement Services
6. 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 answersPIP=Primary against all forms of medical
and disability except for workers comp. It is in excess to WC.
Tort Exemption (No Fault Law) correct answersAnyone legally responsible
for bodily injuries arising from accident is exempt. In extreme cases, law
suits can be filed
Financial Responsiblity correct answersMeets 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 answers100/300/50 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 answersvehicle 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 answersself-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 answersmobile homes,
anything involving mass transit, taxicabs, limousines, school buses
Non Residents (PAP) correct answersIf in Fl for more than 90 days they will
be required to register their vehicles.
Penalties correct answers1. 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 answers1. Medical
4. Work Loss
5. Replacement Services
6. 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 answersPIP=Primary against all forms of medical
and disability except for workers comp. It is in excess to WC.
Tort Exemption (No Fault Law) correct answersAnyone legally responsible
for bodily injuries arising from accident is exempt. In extreme cases, law
suits can be filed
