Progressive Florida Claims Adjuster Exam
(New 2026/ 2027 Update) Questions &
Answers {Grade A} 100% Correct (Verified
Solutions)
John has an auto policy with basic PIP coverage a deductible of $500 and property
damage limits of $10,000. He hits a bicyclist who's riding on the right side of the road
and veers until the lane in front of him. He tries to avoid him, but there's traffic coming
from the opposite direction and he hit some causing a total loss of the bicycle valued at
$425 and injuries to the bicyclist resulting in $3500 in medical expenses and $827 and
lost wages. You receive a phone call from the claimant a - Correct answer $425.00
"An incident, including continuous and repeated exposure to the same. Generally,
harmful conditions" is a trigger of coverage known as.: - Correct answer An
occurrence
In general and employee suffers an occupational injury, and collects Worker's
Compensation benefits during recuperation: - Correct answer Gives up the right to sue
,the employer for personal injury in pain and suffering and consume only for Worker's
Compensation benefits
Boiler and machinery, insurance provides protection against: - Correct answer Repair
or replacement of a company's heavy machinery such as boilers, refrigeration or air
conditioning equipment, and other machinery arising from the sudden failure of such
equipment.
Part I: coverage of the Workers' Compensation policy provides for: - Correct answer
Payment of all benefits required of the employer under the law of the state in which an
employee is injured
A theft of money insecurities from a cash, register, safe as well as clear evidence of
forced entry into the insurance premises is known as: - Correct answer Burglary
inside the premises
,Which of the following would result in a denial of Worker's Compensation benefits? -
Correct answer An employee who intentionally injured himself in order to collect
disability benefits
The most basic premise of a general homeowners or personal liability, insuring
agreement states that: - Correct answer The policy will respond if an insured person
or entity is legally liable for bodily injury or property damage that occurs within the
policy. And it's not otherwise excluded from coverage.
Jack's body shop owns two tow trucks, one with a standard tow package.... Symbol #1
is listed next liability coverage. - Correct answer Yes. Liability coverage is provided for
any auto which includes Jack's tow trucks.
An insured's employee is injured in an automobile accident. A claim for injuries and
submitted to the general liability carrier. How should they respond? - Correct answer
There is no coverage as injuries to employees are excluded under the GL. They are
covered under the employers Worker's Compensation policy.
, Auto experts company has a business auto policy with symbol #1 indicated for liability
coverage. Which autos are covered under the policy? - Correct answer Any auto
You were involved in an automobile accident on your way to work one morning. Is your
injury covered by workers comp? - Correct answer No. Traveling to and from work is
considered a personal risk and injuries that occur during this period are not covered
by workers comp.
The central Florida insurance agency has a business auto policy with $100,000 in
liability with coverage symbol #1. They also have collision other than collision and
basic personal injury protection with a $500 deductible and coverage symbol #2. The
company owns two vehicles, a 2005 Ford expedition in a 2003 Lexus. One day the
company's office manager was taking Alexis to the bank to make some deposits and
was broadsided buy a vehicle running a red light. Injuries were severe in the office
man - Correct answer The collision claim is covered, but the PIP claim is not as it is
excluded. The employees injuries would be covered under Worker's Compensation.
(New 2026/ 2027 Update) Questions &
Answers {Grade A} 100% Correct (Verified
Solutions)
John has an auto policy with basic PIP coverage a deductible of $500 and property
damage limits of $10,000. He hits a bicyclist who's riding on the right side of the road
and veers until the lane in front of him. He tries to avoid him, but there's traffic coming
from the opposite direction and he hit some causing a total loss of the bicycle valued at
$425 and injuries to the bicyclist resulting in $3500 in medical expenses and $827 and
lost wages. You receive a phone call from the claimant a - Correct answer $425.00
"An incident, including continuous and repeated exposure to the same. Generally,
harmful conditions" is a trigger of coverage known as.: - Correct answer An
occurrence
In general and employee suffers an occupational injury, and collects Worker's
Compensation benefits during recuperation: - Correct answer Gives up the right to sue
,the employer for personal injury in pain and suffering and consume only for Worker's
Compensation benefits
Boiler and machinery, insurance provides protection against: - Correct answer Repair
or replacement of a company's heavy machinery such as boilers, refrigeration or air
conditioning equipment, and other machinery arising from the sudden failure of such
equipment.
Part I: coverage of the Workers' Compensation policy provides for: - Correct answer
Payment of all benefits required of the employer under the law of the state in which an
employee is injured
A theft of money insecurities from a cash, register, safe as well as clear evidence of
forced entry into the insurance premises is known as: - Correct answer Burglary
inside the premises
,Which of the following would result in a denial of Worker's Compensation benefits? -
Correct answer An employee who intentionally injured himself in order to collect
disability benefits
The most basic premise of a general homeowners or personal liability, insuring
agreement states that: - Correct answer The policy will respond if an insured person
or entity is legally liable for bodily injury or property damage that occurs within the
policy. And it's not otherwise excluded from coverage.
Jack's body shop owns two tow trucks, one with a standard tow package.... Symbol #1
is listed next liability coverage. - Correct answer Yes. Liability coverage is provided for
any auto which includes Jack's tow trucks.
An insured's employee is injured in an automobile accident. A claim for injuries and
submitted to the general liability carrier. How should they respond? - Correct answer
There is no coverage as injuries to employees are excluded under the GL. They are
covered under the employers Worker's Compensation policy.
, Auto experts company has a business auto policy with symbol #1 indicated for liability
coverage. Which autos are covered under the policy? - Correct answer Any auto
You were involved in an automobile accident on your way to work one morning. Is your
injury covered by workers comp? - Correct answer No. Traveling to and from work is
considered a personal risk and injuries that occur during this period are not covered
by workers comp.
The central Florida insurance agency has a business auto policy with $100,000 in
liability with coverage symbol #1. They also have collision other than collision and
basic personal injury protection with a $500 deductible and coverage symbol #2. The
company owns two vehicles, a 2005 Ford expedition in a 2003 Lexus. One day the
company's office manager was taking Alexis to the bank to make some deposits and
was broadsided buy a vehicle running a red light. Injuries were severe in the office
man - Correct answer The collision claim is covered, but the PIP claim is not as it is
excluded. The employees injuries would be covered under Worker's Compensation.
