FL Adjuster practice test Questions And
Answers
Answer s- s25% sor sless sof sfloor sspace sis savailable sto sthe sgeneral spublic, sand sless sthan s25% sof sgross
s
income smay scome sfrom sretail ssales.
s
The sfirst sstep sin sthe sclaim sprocess sis sto s- sAnswer s- sDetermining stime sand scost sof srepairs
In sFlorida, san sinsurer shas s___ sdays sto spay sor sdeny sa sclaim. s- sAnswer s- s90
Jerome swas sshopping sat sABC sImports swhen sa slight sfixture sfell sfrom sthe sceiling sand shit shim son sthe
shead. sJerome's sinjuries sresulted sin san sextended shospital sstay, sso she ssued sABC sImports sand swas
sawarded s$400,000. sAssuming sABC sImports scarries sa sCGL swith sa sGeneral sAggregate sof s$750,000 sand sa
sper soccurrence slimit sof s$250,000, swhat sis sthe smaximum sthat sABC's sinsurer swill spay sfor sJerome's
sinjuries? s- sAnswer s- s$250,000
Which sof sthe sfollowing sbest sdescribes sinland smarine sinsurance? s- sAnswer s- sInsurance sdesigned sto
sprotect sproperty sbeing stransported son sland sand sproperty srelated sto stransportation
A splane swas sdamaged swhile sbeing stowed sby sanother svehicle. sBy spolicy sdefinition, sthis sdamage sis
sconsidered sto shave soccurred swhile sthe saircraft swas: s- sAnswer s- snot sin smotion
Citizens sInsurance s- sAnswer s- sis savailable sto scertain speople swho sare snot sresidents sof sFlorida.
This sprovision sin sOcean sMarine sinsurance sobligates sinsurers sof svarious sinterests sto sshare sthe scost sof
slosses sassociated swith sa scaptain's sdecision sto svoluntarily ssacrifice sa spart sof sthe sship sor sits scargo. s-
sAnswer s- sGeneral sAverage
Walter sworks sfor sa sshipping scompany, sdelivering spackages sand spicking sup sorders. sHe slives svery sclose sto
swork sand sthe sgrocery sstore sis sonly sa sfew sblocks saway, sso she scan slive sconveniently swithout sowning sa
scar. sHowever, she swould slike sto shave ssome sPersonal sInjury sProtection, sjust sin scase she sever sgets sinjured
sin san saccident. sWhich sBAP sendorsement scould shis semployer suse sto sgive shim sthis scoverage? s- sAnswer s-
sNamed sIndividuals sBroadened sPIP
Which sof sthe sfollowing sis sNOT sa srating sfactor sfor sa spersonal sauto sliability spolicy? s- sAnswer s- sThe
scondition sof sthe svehicle
Phil sheads sover sto svisit shis sfriend sJosh, swho sis ssick swith sthe sflu. sWhile sat sthe shouse, sJosh sfails sto scover
shis smouth swhen she scoughs sand sPhil sends sup scontacting sthe sflu. sPhil sfiles sa sclaim swith sJosh's sinsurer sfor
smedical sexpenses sand slost sincome swhile sPhil sis sout ssick sfrom swork. sThe sinsurer sdenies sthe sclaim
sbecause s- sAnswer s- sdisease stransmitted sfrom sthe sinsured sto sa sthird sparty sis sexcluded.
Jerrod sowns stwo splanes sand shas sliability sinsurance swith sthe sfollowing slimits:
,Bodily sInjury sExcluding sPassengers: s$250,000/person; s$500,000/occurrence
Passenger sBodily sInjury: s$250,000/person; s$750,000/occurrence
Property sDamage: s$500,000/occurrence.
When sJerrod scrashes sinto sa scar swhile slanding shis splane, she sinjures sthe stwo speople sin sthe scar sand
scompletely swrecks sthe scar. sThe sfirst sperson sin sthe scar ssuffers s$200,000 sin sinjuries, sand sthe ssecond
sperson ssuffers s$300,000 sin sinjuries. sReplacing sthe scar scosts s$45,000. sWithout staking sdeductibles sinto
saccount, show smuch swill sJerrod shave sto spay sout sof shis sown spocket? s- sAnswer s- s50,000
Which sof sthe sfollowing sendorsements sis smandatory sfor sall sFlorida sresidential sproperty spolicies? s-
sAnswer s- sCatastrophic sground scollapse
Maria swas sin sthe shospital sfor sfive sdays, srecovering sfrom sa sstroke. sThe sbill sshe sreceived sfor sher shospital
sstay sbroke sdown sthe scharges sfor sroom, slab sfees, smeals, sand snursing scare. sHowever, sher sinsurer spaid sa
sflat sdaily srate sand sshe swas sleft sresponsible sfor spaying sthe sremaining scharges. sWhat stype sof sinsurance
sdoes sMaria shave? s- sAnswer s- sHospital sIndemnity sinsurance
ABC sRoofing shas stwo sCGL spolicies sthat scover sthe ssame slosses. sBoth spolicies sare soccurrence sforms, sthus
spay sout son sa spro srata sbasis. sThe sfirst spolicy sis sthrough sKLM sInsurance sand shas sa slimit sof s$300,000. sThe
ssecond sis sthrough sXYZ sMutual, swith sa slimit sof s$600,000. sOne sday, sABC sRoofing ssuffers san soccurrence
sresulting sin sa s$150,000 scovered sloss. sHow swill sthis sloss sbe sindemnified? s- sAnswer s- sKLM sInsurance swill
spay s$50,000; sXYZ sMutual swill spay s$100,000
Florida sInsurance sCode sstates sthe squalifications srequired sto sbecome sa slicensed sinsurance sadjuster sin
sthe sstate sof sFlorida. sWhich sof sthe sfollowing sis sNOT sone sof sthe srequirements sfor sapplicants? s- sAnswer s-
sSpend s20 shours sin sthe sfield sworking swith sa slicensed sinsurance sadjuster
Which sof sthe sfollowing sautomobile scomponents sis sNOT scovered sby sa sMechanical sBreakdown sInsurance
spolicy? s- sAnswer s- sTires
Dr. sSmith shas sa sclaims-made smalpractice sinsurance spolicy swith sa spolicy speriod sfrom sJune s30, s2006 sto
sJune s30, s2007. sWhich sclaim swould strigger sthis spolicy? s- sAnswer s- sA sclaims-made spolicy scovers sclaims
sinitiated sduring sthe spolicy speriod. sIn sthis ssituation, sthat swould sinclude sclaims sfiled sbetween sJune s30,
s2006 sand s30, s2007.
Lemon sInsurance sCo. sdecides snot sto srenew sHugh's sPersonal sAuto spolicy, swhich sis sset sto sexpire son sMay
s31. sWhich sof sthe sfollowing sstatements sis sTRUE? s- sAnswer s- sLemon sInsurance smust snotify sHugh sat sleast
s45 sdays sbefore sthe spolicy sexpires.
Which sof sthese sstatements sis strue? s- sAnswer s- sFlood sinsurance sis salways sbacked sby sthe sNational sFlood
sInsurance sProgram.
Which sof sthe sfollowing sis sTRUE sabout sworkers' scompensation sinsurance? s- sAnswer s- sIt sbenefits sboth
sthe semployee sand sthe semployer.
Martin sworks sas san saccountant sfor sSmith sManufacturing. sSmith sManufacturing shas stasked sMartin swith
sfinding san sinsurance sprovider sto smeet sthe scompany's sneeds, sso sMartin sinterviews sseveral sinsurers. sAt
sthe send sof sone sinterview swith sPRO sInsurance, sthe sinsurance srepresentative shands sMartin san senvelope
, scontaining s$5,000 sin scash, son sthe scondition sthat sSmith sManufacturing sselects sPRO sInsurance sas sits
sinsurance sprovider. sWhat swould swe scall sthe s$5,000 sin scash? s- sAnswer s- sA skickback
In sa sdeclaratory sjudgment saction: s- sAnswer s- sthe scourt sdecides sthe slegal srights sof sboth sparties.
When sdiscussing sfarm sinsurance, swhich sof sthe sfollowing smost saccurately sdescribes s"scheduled
sproperty"? s- sAnswer s- sItemized sproperty
According sto sthe s"Definitions" ssection sof sa sPersonal sAuto sPolicy, swhich sof sthe sfollowing sis sNOT
s"occupying" sher svehicle? s- sAnswer s- sRachel sleaves sher scat sin sher scar, swith sthe swindows scracked, swhile
sshe sgoes sinto sthe sdrugstore sto sfill sa sprescription
Which scharacteristic swould sprohibit sa sconvenience sstore/gas sstation sfrom spurchasing sa sBOP? s- sAnswer
s- sThe soperation sof sa scar swash
A s___________ sis sa slaw sset sforth sby sa sgoverning sbody ssuch sas sa sstate sor scity. s- sAnswer s- sstatutory slaw
Ron's struck sexperiences sa smechanical sbreakdown sand she shas sit stowed sto san sauto srepair sfacility. sUpon
sfurther sexamination sof sRon's sclaim, shis sMechanical sBreakdown sInsurance sprovider sdenies scoverage.
sWhich sof sthe sfollowing swould sbe sa svalid sreason sfor sthis sdenial? s- sAnswer s- sRon shad sbeen shauling sa
slarge sboat, swhich soverloaded sthe svehicle sand scaused sthe sbreakdown.
Greta's sSki sSupply sis scovered sunder sthe sBuilding sand sPersonal sProperty sCoverage sForm swith slimits sof
s$50,000 sfor sbusiness spersonal sproperty sand s$100,000 sfor sthe sbuilding. sThe spolicy salso shas sa s$500
sdeductible. sWhen sa stornado stears sthrough sthe svicinity, sthe sstore ssuffered s$10,000 sin sdamage sto sthe
sbuilding sand s$20,000 sin slosses sto sthe scontents. sIn saddition, sGreta shas sto sfork sout san sextra s$1,000 sfor
sdebris sremoval. sHow smuch swill sGreta sreceive sfrom sher sinsurer? s- sAnswer s- s30,500
Which sof sthe sfollowing sis sNOT sexcluded sfrom scoverage sunder sa sMechanical sBreakdown sInsurance
spolicy? s- sAnswer s- sBreakdown sdue sto sthe scracking sof san sengine sblock
Sam ssuffers s$6,000 sin sinjuries swhen sNicole sruns sa sred slight sand scrashes sher suninsured scar sinto sSam's.
sSam's sown sinsurance scompany, sABC sInsurance, simmediately spays shim s$5,000 sfor shis sinjuries. sSam sthen
sponders swhether sto sfile sa s$6,000 slawsuit sagainst sNicole. sWhy scan't sSam ssue sNicole sfor sthe sfull samount
sof shis sinjuries? s- sAnswer s- sBy saccepting spayment sfrom sABC sInsurance, sSam ssubrogated sa sportion sof shis
srights sagainst sNicole sto sABC sInsurance.
A sfidelity sbond scovers: s- sAnswer s- san sinsured sbusiness sfor sloss sresulting sfrom sany sdishonest sacts
scommitted sby sits sbonded semployees.
Which sof sthe sfollowing sincidents swould sa sliability sinsurance spolicy scover? s- sAnswer s- sA sman sslips sinside
sa sgrocery sstore sand sinjures shimself.
When sLouise sgoes sonline sand sfills sout sphony sapplications swith sXYZ sAuto sInsurance sin sorder sto sprint sthe
stemporary sinsurance scards sand ssell sthem sfor sa sprofit son sthe sblack smarket, sshe sis: s- sAnswer s- s?
When sJane srear-ends sFrank, sshe scauses sminor sdamage sto sFrank's scar, sbut sFrank sis snot shurt. sHowever,
swhen sJane's sinsurer sasks shim sabout sthe saccident, sFrank sclaims sthat shis sback sand sneck shave sbeen
shurting sa slot sbecause sof sthe scollision, seven sthough she sis sactually sfine. sFrank sis sguilty sof: s- sAnswer s- ssoft
sfraud.
Answers
Answer s- s25% sor sless sof sfloor sspace sis savailable sto sthe sgeneral spublic, sand sless sthan s25% sof sgross
s
income smay scome sfrom sretail ssales.
s
The sfirst sstep sin sthe sclaim sprocess sis sto s- sAnswer s- sDetermining stime sand scost sof srepairs
In sFlorida, san sinsurer shas s___ sdays sto spay sor sdeny sa sclaim. s- sAnswer s- s90
Jerome swas sshopping sat sABC sImports swhen sa slight sfixture sfell sfrom sthe sceiling sand shit shim son sthe
shead. sJerome's sinjuries sresulted sin san sextended shospital sstay, sso she ssued sABC sImports sand swas
sawarded s$400,000. sAssuming sABC sImports scarries sa sCGL swith sa sGeneral sAggregate sof s$750,000 sand sa
sper soccurrence slimit sof s$250,000, swhat sis sthe smaximum sthat sABC's sinsurer swill spay sfor sJerome's
sinjuries? s- sAnswer s- s$250,000
Which sof sthe sfollowing sbest sdescribes sinland smarine sinsurance? s- sAnswer s- sInsurance sdesigned sto
sprotect sproperty sbeing stransported son sland sand sproperty srelated sto stransportation
A splane swas sdamaged swhile sbeing stowed sby sanother svehicle. sBy spolicy sdefinition, sthis sdamage sis
sconsidered sto shave soccurred swhile sthe saircraft swas: s- sAnswer s- snot sin smotion
Citizens sInsurance s- sAnswer s- sis savailable sto scertain speople swho sare snot sresidents sof sFlorida.
This sprovision sin sOcean sMarine sinsurance sobligates sinsurers sof svarious sinterests sto sshare sthe scost sof
slosses sassociated swith sa scaptain's sdecision sto svoluntarily ssacrifice sa spart sof sthe sship sor sits scargo. s-
sAnswer s- sGeneral sAverage
Walter sworks sfor sa sshipping scompany, sdelivering spackages sand spicking sup sorders. sHe slives svery sclose sto
swork sand sthe sgrocery sstore sis sonly sa sfew sblocks saway, sso she scan slive sconveniently swithout sowning sa
scar. sHowever, she swould slike sto shave ssome sPersonal sInjury sProtection, sjust sin scase she sever sgets sinjured
sin san saccident. sWhich sBAP sendorsement scould shis semployer suse sto sgive shim sthis scoverage? s- sAnswer s-
sNamed sIndividuals sBroadened sPIP
Which sof sthe sfollowing sis sNOT sa srating sfactor sfor sa spersonal sauto sliability spolicy? s- sAnswer s- sThe
scondition sof sthe svehicle
Phil sheads sover sto svisit shis sfriend sJosh, swho sis ssick swith sthe sflu. sWhile sat sthe shouse, sJosh sfails sto scover
shis smouth swhen she scoughs sand sPhil sends sup scontacting sthe sflu. sPhil sfiles sa sclaim swith sJosh's sinsurer sfor
smedical sexpenses sand slost sincome swhile sPhil sis sout ssick sfrom swork. sThe sinsurer sdenies sthe sclaim
sbecause s- sAnswer s- sdisease stransmitted sfrom sthe sinsured sto sa sthird sparty sis sexcluded.
Jerrod sowns stwo splanes sand shas sliability sinsurance swith sthe sfollowing slimits:
,Bodily sInjury sExcluding sPassengers: s$250,000/person; s$500,000/occurrence
Passenger sBodily sInjury: s$250,000/person; s$750,000/occurrence
Property sDamage: s$500,000/occurrence.
When sJerrod scrashes sinto sa scar swhile slanding shis splane, she sinjures sthe stwo speople sin sthe scar sand
scompletely swrecks sthe scar. sThe sfirst sperson sin sthe scar ssuffers s$200,000 sin sinjuries, sand sthe ssecond
sperson ssuffers s$300,000 sin sinjuries. sReplacing sthe scar scosts s$45,000. sWithout staking sdeductibles sinto
saccount, show smuch swill sJerrod shave sto spay sout sof shis sown spocket? s- sAnswer s- s50,000
Which sof sthe sfollowing sendorsements sis smandatory sfor sall sFlorida sresidential sproperty spolicies? s-
sAnswer s- sCatastrophic sground scollapse
Maria swas sin sthe shospital sfor sfive sdays, srecovering sfrom sa sstroke. sThe sbill sshe sreceived sfor sher shospital
sstay sbroke sdown sthe scharges sfor sroom, slab sfees, smeals, sand snursing scare. sHowever, sher sinsurer spaid sa
sflat sdaily srate sand sshe swas sleft sresponsible sfor spaying sthe sremaining scharges. sWhat stype sof sinsurance
sdoes sMaria shave? s- sAnswer s- sHospital sIndemnity sinsurance
ABC sRoofing shas stwo sCGL spolicies sthat scover sthe ssame slosses. sBoth spolicies sare soccurrence sforms, sthus
spay sout son sa spro srata sbasis. sThe sfirst spolicy sis sthrough sKLM sInsurance sand shas sa slimit sof s$300,000. sThe
ssecond sis sthrough sXYZ sMutual, swith sa slimit sof s$600,000. sOne sday, sABC sRoofing ssuffers san soccurrence
sresulting sin sa s$150,000 scovered sloss. sHow swill sthis sloss sbe sindemnified? s- sAnswer s- sKLM sInsurance swill
spay s$50,000; sXYZ sMutual swill spay s$100,000
Florida sInsurance sCode sstates sthe squalifications srequired sto sbecome sa slicensed sinsurance sadjuster sin
sthe sstate sof sFlorida. sWhich sof sthe sfollowing sis sNOT sone sof sthe srequirements sfor sapplicants? s- sAnswer s-
sSpend s20 shours sin sthe sfield sworking swith sa slicensed sinsurance sadjuster
Which sof sthe sfollowing sautomobile scomponents sis sNOT scovered sby sa sMechanical sBreakdown sInsurance
spolicy? s- sAnswer s- sTires
Dr. sSmith shas sa sclaims-made smalpractice sinsurance spolicy swith sa spolicy speriod sfrom sJune s30, s2006 sto
sJune s30, s2007. sWhich sclaim swould strigger sthis spolicy? s- sAnswer s- sA sclaims-made spolicy scovers sclaims
sinitiated sduring sthe spolicy speriod. sIn sthis ssituation, sthat swould sinclude sclaims sfiled sbetween sJune s30,
s2006 sand s30, s2007.
Lemon sInsurance sCo. sdecides snot sto srenew sHugh's sPersonal sAuto spolicy, swhich sis sset sto sexpire son sMay
s31. sWhich sof sthe sfollowing sstatements sis sTRUE? s- sAnswer s- sLemon sInsurance smust snotify sHugh sat sleast
s45 sdays sbefore sthe spolicy sexpires.
Which sof sthese sstatements sis strue? s- sAnswer s- sFlood sinsurance sis salways sbacked sby sthe sNational sFlood
sInsurance sProgram.
Which sof sthe sfollowing sis sTRUE sabout sworkers' scompensation sinsurance? s- sAnswer s- sIt sbenefits sboth
sthe semployee sand sthe semployer.
Martin sworks sas san saccountant sfor sSmith sManufacturing. sSmith sManufacturing shas stasked sMartin swith
sfinding san sinsurance sprovider sto smeet sthe scompany's sneeds, sso sMartin sinterviews sseveral sinsurers. sAt
sthe send sof sone sinterview swith sPRO sInsurance, sthe sinsurance srepresentative shands sMartin san senvelope
, scontaining s$5,000 sin scash, son sthe scondition sthat sSmith sManufacturing sselects sPRO sInsurance sas sits
sinsurance sprovider. sWhat swould swe scall sthe s$5,000 sin scash? s- sAnswer s- sA skickback
In sa sdeclaratory sjudgment saction: s- sAnswer s- sthe scourt sdecides sthe slegal srights sof sboth sparties.
When sdiscussing sfarm sinsurance, swhich sof sthe sfollowing smost saccurately sdescribes s"scheduled
sproperty"? s- sAnswer s- sItemized sproperty
According sto sthe s"Definitions" ssection sof sa sPersonal sAuto sPolicy, swhich sof sthe sfollowing sis sNOT
s"occupying" sher svehicle? s- sAnswer s- sRachel sleaves sher scat sin sher scar, swith sthe swindows scracked, swhile
sshe sgoes sinto sthe sdrugstore sto sfill sa sprescription
Which scharacteristic swould sprohibit sa sconvenience sstore/gas sstation sfrom spurchasing sa sBOP? s- sAnswer
s- sThe soperation sof sa scar swash
A s___________ sis sa slaw sset sforth sby sa sgoverning sbody ssuch sas sa sstate sor scity. s- sAnswer s- sstatutory slaw
Ron's struck sexperiences sa smechanical sbreakdown sand she shas sit stowed sto san sauto srepair sfacility. sUpon
sfurther sexamination sof sRon's sclaim, shis sMechanical sBreakdown sInsurance sprovider sdenies scoverage.
sWhich sof sthe sfollowing swould sbe sa svalid sreason sfor sthis sdenial? s- sAnswer s- sRon shad sbeen shauling sa
slarge sboat, swhich soverloaded sthe svehicle sand scaused sthe sbreakdown.
Greta's sSki sSupply sis scovered sunder sthe sBuilding sand sPersonal sProperty sCoverage sForm swith slimits sof
s$50,000 sfor sbusiness spersonal sproperty sand s$100,000 sfor sthe sbuilding. sThe spolicy salso shas sa s$500
sdeductible. sWhen sa stornado stears sthrough sthe svicinity, sthe sstore ssuffered s$10,000 sin sdamage sto sthe
sbuilding sand s$20,000 sin slosses sto sthe scontents. sIn saddition, sGreta shas sto sfork sout san sextra s$1,000 sfor
sdebris sremoval. sHow smuch swill sGreta sreceive sfrom sher sinsurer? s- sAnswer s- s30,500
Which sof sthe sfollowing sis sNOT sexcluded sfrom scoverage sunder sa sMechanical sBreakdown sInsurance
spolicy? s- sAnswer s- sBreakdown sdue sto sthe scracking sof san sengine sblock
Sam ssuffers s$6,000 sin sinjuries swhen sNicole sruns sa sred slight sand scrashes sher suninsured scar sinto sSam's.
sSam's sown sinsurance scompany, sABC sInsurance, simmediately spays shim s$5,000 sfor shis sinjuries. sSam sthen
sponders swhether sto sfile sa s$6,000 slawsuit sagainst sNicole. sWhy scan't sSam ssue sNicole sfor sthe sfull samount
sof shis sinjuries? s- sAnswer s- sBy saccepting spayment sfrom sABC sInsurance, sSam ssubrogated sa sportion sof shis
srights sagainst sNicole sto sABC sInsurance.
A sfidelity sbond scovers: s- sAnswer s- san sinsured sbusiness sfor sloss sresulting sfrom sany sdishonest sacts
scommitted sby sits sbonded semployees.
Which sof sthe sfollowing sincidents swould sa sliability sinsurance spolicy scover? s- sAnswer s- sA sman sslips sinside
sa sgrocery sstore sand sinjures shimself.
When sLouise sgoes sonline sand sfills sout sphony sapplications swith sXYZ sAuto sInsurance sin sorder sto sprint sthe
stemporary sinsurance scards sand ssell sthem sfor sa sprofit son sthe sblack smarket, sshe sis: s- sAnswer s- s?
When sJane srear-ends sFrank, sshe scauses sminor sdamage sto sFrank's scar, sbut sFrank sis snot shurt. sHowever,
swhen sJane's sinsurer sasks shim sabout sthe saccident, sFrank sclaims sthat shis sback sand sneck shave sbeen
shurting sa slot sbecause sof sthe scollision, seven sthough she sis sactually sfine. sFrank sis sguilty sof: s- sAnswer s- ssoft
sfraud.
