FLORIDA AUTO AND HEALTH INSURANCE EXAM PREP – 2025 150
PRACTICE QUESTIONS WITH VERIFIED ANSWERS FOR PIP, LIABILITY,
AND POLICY COMPLIANCE WITH MOST TESTED QUESTIONS
GRADED A+
THIS RESOURCE PROVIDES A COMPREHENSIVE SET OF PRACTICE QUESTIONS COVERING FLORIDA’S
AUTO AND HEALTH INSURANCE LAWS, INCLUDING PERSONAL INJURY PROTECTION (PIP), LIABILITY
LIMITS, FINANCIAL RESPONSIBILITY, AND POLICY ENDORSEMENTS. IT IS DESIGNED TO HELP
CANDIDATES MASTER COMPLEX SCENARIOS AND COMPLIANCE REQUIREMENTS FOR LICENSING OR
CERTIFICATION IN 2025. IDEAL FOR INSURANCE PROFESSIONALS AND STUDENTS PREPARING FOR
STATE EXAMS.
All of the following describe insurable interest EXCEPT:
• It must exist at the time of the loss
• It must exist for insurance to respond
• Shows a similarity between insurance and wagering
• The insured would suffer an economic loss - CORRECT ANSWER-• Shows a similarity between
insurance and wagering
An Insurance Policy is a contract with all the following characteristics, EXCEPT:
• It is a personal contract
• parties are of unequal power with ambiguities or unclear working resolved in favor of the insured
because it is a contract of adhesion
• Indemnity is not part of an insurance contract
• There are conditions imposed on both the insurer and insured - CORRECT ANSWER-• Indemnity
is not part of an insurance contract
A health policy often has a provision which states a period of time between issuance and acceptance
before sickness benefits begin. This eliminates people only buying health insurance when they find
out that they are ill. This is called a/an:
• Grace period
• Pre-exisiting period
• Elimination period
• None of the above - CORRECT ANSWER-• Elimination period
,All of the following are true for Medicare Supplement Insurance EXCEPT:
• Offered to people over 65 and certain disability receivers
• Covers some expenses not paid by Medicare
• Policy must contain a 180 day "free look"
• Pre-existing conditions may not be excluded for more than 180 days - CORRECT ANSWER-• Policy
must contain a 180 day "free look"
What type of health insurance plan usually offers the broadest coverage at the lowest cost with the
most freedom of choice?
• Group insurance PPO
• Group insurance HMO
• Private insurance policy
• Private insurance HMO - CORRECT ANSWER-• Group insurance PPO
Which of the following is NOT one of the "thresholds" in the "No-Fault" law?
• Death of the insured
• The temporary injury of the insured
• A permanent loss of a bodily function
• A permanent scarring on the face of an actress - CORRECT ANSWER-• The temporary injury of
the insured
Which of the following is a "defined motor vehicle" under Florida No-Fault law?
• Golf cart
• Public transit bus
• 9,500 pound SUV
• Motorcycle - CORRECT ANSWER-• 9,500 pound SUV
If an insured is injured by an at-fault driver, and has injuries of $5,000, what amount will PIP pay if he
has Florida No-Fault Basic PIP with a $1,000 deductible?
• $3,000
• $3,200
• $4,000
, • $5,000 - CORRECT ANSWER-• $3,200
Which of the following could NOT be considered an "owner" of a motor vehicle?
• A debtor in possession
• A long term lease of 3 months
• The title holder of the auto
• One who lease-purchases with a time frame of 6 or more months - CORRECT ANSWER-• A long
term lease of 3 months
Which of the following is true concerning the extended PIP endorsement?
• Medical expense reimbursement is raised from 60% to 100%
• Medical expense reimbursement is raised from 60% to 80%
• Medical expense reimbursement is raised from 60% to 70%
• Medical expense reimbursement is raised from 80% to 100% - CORRECT ANSWER-• Medical
expense reimbursement is raised from 80% to 100%
When an Additional PIP Endorsement is added to the Personal Auto Policy, we know that the policy
already has
• UM coverage
• Named Non-owned Endorsement
• Extended PIP Endorsement
• None of the above apply - CORRECT ANSWER-• Extended PIP Endorsement
Nonresidents must comply with the Florida No Fault law:
• They do not ever come under this law
• If they are driving in Florida
• If their auto is in Florida 30 consecutive days
• If their auto is in Florida over 90 of the last 365 days - CORRECT ANSWER-• If their auto is in
Florida over 90 of the last 365 days
When is the named insured NOT entitled to PIP benefits?
• Injured in Florida while a pedestrian struck by a defined motor vehicle
PRACTICE QUESTIONS WITH VERIFIED ANSWERS FOR PIP, LIABILITY,
AND POLICY COMPLIANCE WITH MOST TESTED QUESTIONS
GRADED A+
THIS RESOURCE PROVIDES A COMPREHENSIVE SET OF PRACTICE QUESTIONS COVERING FLORIDA’S
AUTO AND HEALTH INSURANCE LAWS, INCLUDING PERSONAL INJURY PROTECTION (PIP), LIABILITY
LIMITS, FINANCIAL RESPONSIBILITY, AND POLICY ENDORSEMENTS. IT IS DESIGNED TO HELP
CANDIDATES MASTER COMPLEX SCENARIOS AND COMPLIANCE REQUIREMENTS FOR LICENSING OR
CERTIFICATION IN 2025. IDEAL FOR INSURANCE PROFESSIONALS AND STUDENTS PREPARING FOR
STATE EXAMS.
All of the following describe insurable interest EXCEPT:
• It must exist at the time of the loss
• It must exist for insurance to respond
• Shows a similarity between insurance and wagering
• The insured would suffer an economic loss - CORRECT ANSWER-• Shows a similarity between
insurance and wagering
An Insurance Policy is a contract with all the following characteristics, EXCEPT:
• It is a personal contract
• parties are of unequal power with ambiguities or unclear working resolved in favor of the insured
because it is a contract of adhesion
• Indemnity is not part of an insurance contract
• There are conditions imposed on both the insurer and insured - CORRECT ANSWER-• Indemnity
is not part of an insurance contract
A health policy often has a provision which states a period of time between issuance and acceptance
before sickness benefits begin. This eliminates people only buying health insurance when they find
out that they are ill. This is called a/an:
• Grace period
• Pre-exisiting period
• Elimination period
• None of the above - CORRECT ANSWER-• Elimination period
,All of the following are true for Medicare Supplement Insurance EXCEPT:
• Offered to people over 65 and certain disability receivers
• Covers some expenses not paid by Medicare
• Policy must contain a 180 day "free look"
• Pre-existing conditions may not be excluded for more than 180 days - CORRECT ANSWER-• Policy
must contain a 180 day "free look"
What type of health insurance plan usually offers the broadest coverage at the lowest cost with the
most freedom of choice?
• Group insurance PPO
• Group insurance HMO
• Private insurance policy
• Private insurance HMO - CORRECT ANSWER-• Group insurance PPO
Which of the following is NOT one of the "thresholds" in the "No-Fault" law?
• Death of the insured
• The temporary injury of the insured
• A permanent loss of a bodily function
• A permanent scarring on the face of an actress - CORRECT ANSWER-• The temporary injury of
the insured
Which of the following is a "defined motor vehicle" under Florida No-Fault law?
• Golf cart
• Public transit bus
• 9,500 pound SUV
• Motorcycle - CORRECT ANSWER-• 9,500 pound SUV
If an insured is injured by an at-fault driver, and has injuries of $5,000, what amount will PIP pay if he
has Florida No-Fault Basic PIP with a $1,000 deductible?
• $3,000
• $3,200
• $4,000
, • $5,000 - CORRECT ANSWER-• $3,200
Which of the following could NOT be considered an "owner" of a motor vehicle?
• A debtor in possession
• A long term lease of 3 months
• The title holder of the auto
• One who lease-purchases with a time frame of 6 or more months - CORRECT ANSWER-• A long
term lease of 3 months
Which of the following is true concerning the extended PIP endorsement?
• Medical expense reimbursement is raised from 60% to 100%
• Medical expense reimbursement is raised from 60% to 80%
• Medical expense reimbursement is raised from 60% to 70%
• Medical expense reimbursement is raised from 80% to 100% - CORRECT ANSWER-• Medical
expense reimbursement is raised from 80% to 100%
When an Additional PIP Endorsement is added to the Personal Auto Policy, we know that the policy
already has
• UM coverage
• Named Non-owned Endorsement
• Extended PIP Endorsement
• None of the above apply - CORRECT ANSWER-• Extended PIP Endorsement
Nonresidents must comply with the Florida No Fault law:
• They do not ever come under this law
• If they are driving in Florida
• If their auto is in Florida 30 consecutive days
• If their auto is in Florida over 90 of the last 365 days - CORRECT ANSWER-• If their auto is in
Florida over 90 of the last 365 days
When is the named insured NOT entitled to PIP benefits?
• Injured in Florida while a pedestrian struck by a defined motor vehicle
