Florida Certified Adjuster Pre-Licensing
(New 2026/ 2027 Update) Questions &
Answers {Grade A} 100% Correct (Verified
Solutions)
Which of the following is TRUE about workers' compensation insurance?
A. It benefits the employee only.
B. It benefits the employer only.
C. The employer always benefits more than the employee.
D. It benefits both the employee and the employer. - Correct answer D. It benefits both
the employee and the employer.
Jacob is severely injured at work and receives $600 per week in Temporary Total
Disability benefits under his Workers' Compensation insurance for 8 weeks. After 8
weeks, Jacob dies from his injury. What is the highest total amount that his dependents
could receive in Death benefits? - Correct answer If an employee dies within one year
from a work-related accident, his dependents can receive death benefits, up to the
maximum benefit amount of $150,000 for all claims combined (including the pre-death
,disability payments that the employee received). In this case, Jacob received
$600/week for 8 weeks before he died, which is $4,800. This means that the most his
dependents could receive is $150,000 - $4,800, which is $145,200.
Which of the following may be covered under a Mechanical Breakdown Insurance
policy?
A. Breakdown due to flooding
B. Breakdown on a vehicle with an altered odometer
C. Breakdown due to electrical system malfunction
D. Breakdown occurring while towing with the vehicle - Correct answer C. Breakdown
due to electrical system malfunction
Stan has a personal auto policy to cover his two vehicles, but he recently purchased a
custom built motorcycle as well. Which type of endorsement will Stan need to cover
the motorcycle? - Correct answer Miscellaneous Vehicle Endorsement
,D'Anton spills coffee in his lap while driving, causing him to veer off the road and
smash into a telephone pole. Which part of his Auto Insurance Policy will help him pay
for the repairs to his car? - Correct answer Collision Coverage (pays for damages to
the insured's care after an accident)
Which of the following statements about Mechanical Breakdown Insurance is FALSE?
A. Wear and tear of replaceable parts is not covered.
B .It will not pay for covered repair costs that exceed the actual cash value of the
vehicle.
C. Towing and roadside assistance are covered once a covered breakdown has
occurred.
D. Bodywork, windshield wipers, and the catalytic converter are not covered. - Correct
answer C. Towing and roadside assistance are covered once a covered breakdown has
occurred.
Which of the following is NOT a condition for payment on a Mechanical Breakdown
Insurance claim?
, A. The insured must provide the insurer proof of regular maintenance prior to the
breakdown.
B. The cause of the breakdown cannot be associated with the front-end suspension.
C. The operator of the vehicle must have made a reasonable effort to minimize repair
costs.
D. The insurer has the right to inspect the vehicle before repairs are made. - Correct
answer B. The cause of the breakdown cannot be associated with the front-end
suspension.
According to the "Definitions" section of a Personal Auto Policy, which of the following
is NOT "occupying" her vehicle?
A. Rachel leaves her cat in her car, with the windows cracked, while she goes into the
drugstore to fill a prescription.
B. Trishey is leaning on her car during a lunch break while she eats her lunch.
C. Jaminda is sitting on top of her car as she talks to her best friend on the phone.
(New 2026/ 2027 Update) Questions &
Answers {Grade A} 100% Correct (Verified
Solutions)
Which of the following is TRUE about workers' compensation insurance?
A. It benefits the employee only.
B. It benefits the employer only.
C. The employer always benefits more than the employee.
D. It benefits both the employee and the employer. - Correct answer D. It benefits both
the employee and the employer.
Jacob is severely injured at work and receives $600 per week in Temporary Total
Disability benefits under his Workers' Compensation insurance for 8 weeks. After 8
weeks, Jacob dies from his injury. What is the highest total amount that his dependents
could receive in Death benefits? - Correct answer If an employee dies within one year
from a work-related accident, his dependents can receive death benefits, up to the
maximum benefit amount of $150,000 for all claims combined (including the pre-death
,disability payments that the employee received). In this case, Jacob received
$600/week for 8 weeks before he died, which is $4,800. This means that the most his
dependents could receive is $150,000 - $4,800, which is $145,200.
Which of the following may be covered under a Mechanical Breakdown Insurance
policy?
A. Breakdown due to flooding
B. Breakdown on a vehicle with an altered odometer
C. Breakdown due to electrical system malfunction
D. Breakdown occurring while towing with the vehicle - Correct answer C. Breakdown
due to electrical system malfunction
Stan has a personal auto policy to cover his two vehicles, but he recently purchased a
custom built motorcycle as well. Which type of endorsement will Stan need to cover
the motorcycle? - Correct answer Miscellaneous Vehicle Endorsement
,D'Anton spills coffee in his lap while driving, causing him to veer off the road and
smash into a telephone pole. Which part of his Auto Insurance Policy will help him pay
for the repairs to his car? - Correct answer Collision Coverage (pays for damages to
the insured's care after an accident)
Which of the following statements about Mechanical Breakdown Insurance is FALSE?
A. Wear and tear of replaceable parts is not covered.
B .It will not pay for covered repair costs that exceed the actual cash value of the
vehicle.
C. Towing and roadside assistance are covered once a covered breakdown has
occurred.
D. Bodywork, windshield wipers, and the catalytic converter are not covered. - Correct
answer C. Towing and roadside assistance are covered once a covered breakdown has
occurred.
Which of the following is NOT a condition for payment on a Mechanical Breakdown
Insurance claim?
, A. The insured must provide the insurer proof of regular maintenance prior to the
breakdown.
B. The cause of the breakdown cannot be associated with the front-end suspension.
C. The operator of the vehicle must have made a reasonable effort to minimize repair
costs.
D. The insurer has the right to inspect the vehicle before repairs are made. - Correct
answer B. The cause of the breakdown cannot be associated with the front-end
suspension.
According to the "Definitions" section of a Personal Auto Policy, which of the following
is NOT "occupying" her vehicle?
A. Rachel leaves her cat in her car, with the windows cracked, while she goes into the
drugstore to fill a prescription.
B. Trishey is leaning on her car during a lunch break while she eats her lunch.
C. Jaminda is sitting on top of her car as she talks to her best friend on the phone.
