FLORIDA CLAIMS ADJUSTER
EXAM ACTUAL EXAM:
QUESTION AND ANSWERS
UPDATED 2026 LATEST
What are the Characteristics of a Personal Auto Policy
Declaration Page ? - CORRECT ANSWER -Liability(Bodily
Injury)
-Property Damage
-Uninsured Motorist
-Medical Payments
-Personal Injury Protection
-Collision Deductible
-Comprehensive Deductible
-Towing Coverage
-Rental Coverage
,What are examples of Transacting Insurance? - CORRECT
ANSWER --Solictitation of Insurance
-Negotiation of Insurance
-Effecting Coverage (Binding insurance coverage)
-Transacting Insurance Matters(during and after insurance is
bound).
What are thresholds of the No-Fault Law ? - CORRECT
ANSWER --Significant and permanent loss of a bodily
function or
-Permanent injury other than scarring and disfigurement or
-Significant and permanent scarring or disfigurement or
-Death
What is the adjusters investigation limited too ? - CORRECT
ANSWER -A simple verification of bills and estimates or it
may be expanded to include photographs, witness canvasses,
or recorded statements as the circumstances require
,Peril - CORRECT ANSWER -Somthing t√dhat causes a
loss.
Hazard - CORRECT ANSWER -Something that increases
the probability that a loss will occur.
Warranty - CORRECT ANSWER -A policy condition, either
based on information in the insureds application or inserted by
the insurer. It is a guarantee of a fact.
Misrepresentation - CORRECT ANSWER -An untrue
statement by the insured, made in an application for insurance
but which does not become a part of the policy.
Concealment - CORRECT ANSWER -The failure of the
insured to reveal relevant facts known to the insured in
applying for insurance.
, Abandonment - CORRECT ANSWER -Property insurance
policies usually contain an abandonment clause, stating the
insured cannot dump damaged property on the insurer and
demand its full value.
Severability - CORRECT ANSWER -The insurance applies
separately to each insured as if other insureds did not exist.
Proximate Cause - CORRECT ANSWER -A fundamental
doctrine in property insurance holds 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.
Direct Loss - CORRECT ANSWER -Physical harm to
tangible property.
EXAM ACTUAL EXAM:
QUESTION AND ANSWERS
UPDATED 2026 LATEST
What are the Characteristics of a Personal Auto Policy
Declaration Page ? - CORRECT ANSWER -Liability(Bodily
Injury)
-Property Damage
-Uninsured Motorist
-Medical Payments
-Personal Injury Protection
-Collision Deductible
-Comprehensive Deductible
-Towing Coverage
-Rental Coverage
,What are examples of Transacting Insurance? - CORRECT
ANSWER --Solictitation of Insurance
-Negotiation of Insurance
-Effecting Coverage (Binding insurance coverage)
-Transacting Insurance Matters(during and after insurance is
bound).
What are thresholds of the No-Fault Law ? - CORRECT
ANSWER --Significant and permanent loss of a bodily
function or
-Permanent injury other than scarring and disfigurement or
-Significant and permanent scarring or disfigurement or
-Death
What is the adjusters investigation limited too ? - CORRECT
ANSWER -A simple verification of bills and estimates or it
may be expanded to include photographs, witness canvasses,
or recorded statements as the circumstances require
,Peril - CORRECT ANSWER -Somthing t√dhat causes a
loss.
Hazard - CORRECT ANSWER -Something that increases
the probability that a loss will occur.
Warranty - CORRECT ANSWER -A policy condition, either
based on information in the insureds application or inserted by
the insurer. It is a guarantee of a fact.
Misrepresentation - CORRECT ANSWER -An untrue
statement by the insured, made in an application for insurance
but which does not become a part of the policy.
Concealment - CORRECT ANSWER -The failure of the
insured to reveal relevant facts known to the insured in
applying for insurance.
, Abandonment - CORRECT ANSWER -Property insurance
policies usually contain an abandonment clause, stating the
insured cannot dump damaged property on the insurer and
demand its full value.
Severability - CORRECT ANSWER -The insurance applies
separately to each insured as if other insureds did not exist.
Proximate Cause - CORRECT ANSWER -A fundamental
doctrine in property insurance holds 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.
Direct Loss - CORRECT ANSWER -Physical harm to
tangible property.
