Florida Claims Adjuster Exam LATEST Test
and Exam question and answers latest
update 2026 RATED A+
Frank owned a home that was destroyed by a hurricane. Both ABC and XYZ Banks were listed as
additional interests on his homeowner policy. The insurance company will make a payment to:
A. The first mortgagee, ABC
B. The Insured
C. Jointly to ABC and XYZ
D. All listed interests - CORRECT ANSWERS D. All listed interests
Remember that the insurer is not responsible to know the degrees of interest. In the event of a loss, one
payment is made by the insurer and it is up to the additional interests on working out their share.
Insurance applies separately to each insured as if other insureds did not exist. This is defined as:
A. Severability
B. Conditional
C. Warranty
D. None of the above - CORRECT ANSWERS A. Severability
Property insurance policies usually contain a(n) __________ clause, stating the insured cannot dump
damaged property on the insurer and demand its full value:
A. Pro Rata
B. Abandonment
C. Liberalization
D. All of the above - CORRECT ANSWERS B. Abandonment
A(n) __________ is one wherein economic loss would be suffered from an adverse happening to the
subject:
A. Conditional Contract
B. Personal Contract
C. Economic Contract
D. Insurable Interest - CORRECT ANSWERS D. Insurable Interest
States that if the insurer adopts a revision which would broaden coverage without additional premium
within some period of time prior to the policy period or during the policy period, the insured receives
the benefit of such broadened coverage.
A. Cancellation Clause
B. Policy Period
C. Pro Rata
D. Liberalization - CORRECT ANSWERS D. Liberalization
The time frame is typically 60 days.
The __________ states that when there is an unbroken connection between an occurrence and damage
that grows out of the occurrence, then the resultant damage is all a part of the occurrence.
A. Doctrine of Proximate Cause
B. Doctrine of Perils & Hazards
,C. Insurance Policy Handbook
D. Doctrine of Property Insurance - CORRECT ANSWERS A. Doctrine of Proximate Cause
For example, if a property insurance policy covers the peril of fire but further damage is caused by
smoke, water used to extinguish, and the process of moving property away - fire is considered to be the
*proximate cause* of all of the damage.
The Loss Settlement Valuation that subtracts an allowance for depreciation is defined as?
A. Actual Cash Value
B. Replacement Cost
C. "Old for New"
D. None of the Above - CORRECT ANSWERS A. Actual Cash Value
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 - CORRECT ANSWERS A. Warranty
The following are basic characteristics of a property or liability insurance contract, except:
A. Personal Contract
B. Conditional Contract
C. Loss of Settlement Contract
D. Contract of Adhesion - CORRECT ANSWERS C. Loss of Settlement Contract
The Insurer's responsibility to pay for a property loss may be conditioned on the insured having used
reasonable means to avoid the loss, to protect the property against further loss, and to give the insurer
proof of the loss is defined as?
A. Conditional Contract
B. Adhesion Contract
C. Indemnity Contract
D. All of the Above - CORRECT ANSWERS A. Conditional Contract
"may be conditioned"
Which of the following is not one of the "Thresholds" in the "No-Fault" law?
A. Death of the Insured
B. Temporary Injury of the Insured
C. A permanent loss of a bodily function
D. Permanent scarring on the face of the insured - CORRECT ANSWERS B. Temporary Injury of
the Insured
Also included: permanent injury other than scarring and disfigurement
Under Mechanical Breakdown Coverage, new cars are eligible for service up to:
A. 36 Months/36,000 Miles
B. 24 Months/36,000 Miles
C. 12,000 Months/12,000 Miles
D. 12 Months/36,000 Miles - CORRECT ANSWERS A. 36 Months/36,000 Miles
Used vehicles: 12 Months/12,000 Miles
, If financial responsibility doesn't exist at the time of an accident, which of the following things must
happen to avoid penalties?
A. The legally valid claims of others must be satisfied (up to 10/20/10)
B. The owner and operator must provide certification of future responsibility for future accidents
C. Both A & B
D. None of the Above - CORRECT ANSWERS C. Both A & B
As to required proof for future accidents by purchase of auto liability insurance, the insurer must make a
filing (Form SR-22) certifying that coverage is in effect, and this certification must remain on file for
__________ years:
A. 1
B. 3
C. 4
D. 2 - CORRECT ANSWERS B. 3
The Business Automobile Policy includes all of the following coverage forms except:
A. The Garage Coverage Form
B. The Trailer Interchange Coverage Form
C. The Truckers Coverage Form
D. The Business Auto Coverage Form - CORRECT ANSWERS B. The Trailer Interchange
Coverage Form
Personal Injury Protection, or PIP, has a __________ per person, per accident limit.
A. 10,000
B. 20,000
C. 1,000
D. Depends on the damaged property - CORRECT ANSWERS A. 10,000
Used to insure businesses engaged in selling, servicing, repairing, parking or storing automobiles:
A. Servicing Coverage Form
B. Garage Coverage Form
C. Truckers Coverage Form
D. None of the Above - CORRECT ANSWERS B. Garage Coverage Form
The following examples are referred to as __________ liability limits: 25/50/25 or 10/20/10.
A. Split
B. Single
C. Straight
D. None of the Above - CORRECT ANSWERS A. Split
10/20/10 =
10,000 per person injured
20,000 all injuries combined
10,000 property damage
Example of straight liability limit = $30,000
Jeremy has a not at fault accident. If he has PIP with a $1,000 deductible, how much can he expect his
PIP coverage to pay toward his medical bills that total $3,000?
and Exam question and answers latest
update 2026 RATED A+
Frank owned a home that was destroyed by a hurricane. Both ABC and XYZ Banks were listed as
additional interests on his homeowner policy. The insurance company will make a payment to:
A. The first mortgagee, ABC
B. The Insured
C. Jointly to ABC and XYZ
D. All listed interests - CORRECT ANSWERS D. All listed interests
Remember that the insurer is not responsible to know the degrees of interest. In the event of a loss, one
payment is made by the insurer and it is up to the additional interests on working out their share.
Insurance applies separately to each insured as if other insureds did not exist. This is defined as:
A. Severability
B. Conditional
C. Warranty
D. None of the above - CORRECT ANSWERS A. Severability
Property insurance policies usually contain a(n) __________ clause, stating the insured cannot dump
damaged property on the insurer and demand its full value:
A. Pro Rata
B. Abandonment
C. Liberalization
D. All of the above - CORRECT ANSWERS B. Abandonment
A(n) __________ is one wherein economic loss would be suffered from an adverse happening to the
subject:
A. Conditional Contract
B. Personal Contract
C. Economic Contract
D. Insurable Interest - CORRECT ANSWERS D. Insurable Interest
States that if the insurer adopts a revision which would broaden coverage without additional premium
within some period of time prior to the policy period or during the policy period, the insured receives
the benefit of such broadened coverage.
A. Cancellation Clause
B. Policy Period
C. Pro Rata
D. Liberalization - CORRECT ANSWERS D. Liberalization
The time frame is typically 60 days.
The __________ states that when there is an unbroken connection between an occurrence and damage
that grows out of the occurrence, then the resultant damage is all a part of the occurrence.
A. Doctrine of Proximate Cause
B. Doctrine of Perils & Hazards
,C. Insurance Policy Handbook
D. Doctrine of Property Insurance - CORRECT ANSWERS A. Doctrine of Proximate Cause
For example, if a property insurance policy covers the peril of fire but further damage is caused by
smoke, water used to extinguish, and the process of moving property away - fire is considered to be the
*proximate cause* of all of the damage.
The Loss Settlement Valuation that subtracts an allowance for depreciation is defined as?
A. Actual Cash Value
B. Replacement Cost
C. "Old for New"
D. None of the Above - CORRECT ANSWERS A. Actual Cash Value
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 - CORRECT ANSWERS A. Warranty
The following are basic characteristics of a property or liability insurance contract, except:
A. Personal Contract
B. Conditional Contract
C. Loss of Settlement Contract
D. Contract of Adhesion - CORRECT ANSWERS C. Loss of Settlement Contract
The Insurer's responsibility to pay for a property loss may be conditioned on the insured having used
reasonable means to avoid the loss, to protect the property against further loss, and to give the insurer
proof of the loss is defined as?
A. Conditional Contract
B. Adhesion Contract
C. Indemnity Contract
D. All of the Above - CORRECT ANSWERS A. Conditional Contract
"may be conditioned"
Which of the following is not one of the "Thresholds" in the "No-Fault" law?
A. Death of the Insured
B. Temporary Injury of the Insured
C. A permanent loss of a bodily function
D. Permanent scarring on the face of the insured - CORRECT ANSWERS B. Temporary Injury of
the Insured
Also included: permanent injury other than scarring and disfigurement
Under Mechanical Breakdown Coverage, new cars are eligible for service up to:
A. 36 Months/36,000 Miles
B. 24 Months/36,000 Miles
C. 12,000 Months/12,000 Miles
D. 12 Months/36,000 Miles - CORRECT ANSWERS A. 36 Months/36,000 Miles
Used vehicles: 12 Months/12,000 Miles
, If financial responsibility doesn't exist at the time of an accident, which of the following things must
happen to avoid penalties?
A. The legally valid claims of others must be satisfied (up to 10/20/10)
B. The owner and operator must provide certification of future responsibility for future accidents
C. Both A & B
D. None of the Above - CORRECT ANSWERS C. Both A & B
As to required proof for future accidents by purchase of auto liability insurance, the insurer must make a
filing (Form SR-22) certifying that coverage is in effect, and this certification must remain on file for
__________ years:
A. 1
B. 3
C. 4
D. 2 - CORRECT ANSWERS B. 3
The Business Automobile Policy includes all of the following coverage forms except:
A. The Garage Coverage Form
B. The Trailer Interchange Coverage Form
C. The Truckers Coverage Form
D. The Business Auto Coverage Form - CORRECT ANSWERS B. The Trailer Interchange
Coverage Form
Personal Injury Protection, or PIP, has a __________ per person, per accident limit.
A. 10,000
B. 20,000
C. 1,000
D. Depends on the damaged property - CORRECT ANSWERS A. 10,000
Used to insure businesses engaged in selling, servicing, repairing, parking or storing automobiles:
A. Servicing Coverage Form
B. Garage Coverage Form
C. Truckers Coverage Form
D. None of the Above - CORRECT ANSWERS B. Garage Coverage Form
The following examples are referred to as __________ liability limits: 25/50/25 or 10/20/10.
A. Split
B. Single
C. Straight
D. None of the Above - CORRECT ANSWERS A. Split
10/20/10 =
10,000 per person injured
20,000 all injuries combined
10,000 property damage
Example of straight liability limit = $30,000
Jeremy has a not at fault accident. If he has PIP with a $1,000 deductible, how much can he expect his
PIP coverage to pay toward his medical bills that total $3,000?
