Florida Public All Lines Adjuster Exam FALL 2023 75
CORRECTLY ANSWERED QUESTIONS GRADED A+
Liability insurance policies are what kind of contracts - ANSWER: third party
contracts
third party contracts do what - ANSWER: promise to pay on behalf of the insured all
damages
two forms of legal liability - ANSWER: civil and criminal liability
what is a tort - ANSWER: A civil wrong
who is the tortfeasor - ANSWER: someone who committed the tort
joint tortfeasor - ANSWER: two or more people who commit a single tort
in civil lawsuit, the tortfeasor is referred to as - ANSWER: the defendant
in civil law, the injured person bringing the suit is referred to as - ANSWER: the
plantiff
how are torts addressed by insurance policies - ANSWER: intentional, unintentional
or liability without fault
intentional tort acts are - ANSWER: committed with intent, may still be covered if
consequences of the action were not intended
what are the 7 intentional torts - ANSWER: 1. Battery
2. Assault
3. False Imprisonment
4. Intentional Infliction of Emotional Distress
5. Trespass to Land
6. Trespass to Chattels
7. Conversion
unintentional torts are known as - ANSWER: negligence
what is negligence - ANSWER: failure to use ordinary or reasonable care
Vicarious or imputed negligence is - ANSWER: unintentional tort where act is not
directly attributable to the insured
common form of vicarious liability - ANSWER: relationship between employer and
employee aka pizza delivery guy hitting pedestrian
, strict or absolute liability - ANSWER: imposed by statutory law that involve inherent
danger
activities involving inherent danger include - ANSWER: dangerous materials,
hazardous operations or animals
Bodily injury is defined as - ANSWER: bodily harm,sickness, disease or death
property damage is defined as - ANSWER: direct physical damage to tangible
property including the loss of use
to prove negligence what must be established - ANSWER: the actions not only
caused injury or damage but also was the proximate cause of the loss
The foreseeability test is used to determine what - ANSWER: tests whether negligent
party should have reasonably foreseen the consequences that resulted from action
common law consists of what - ANSWER: behaviors and customs that have never
been written into the law
statute law is what - ANSWER: written law of states
For a liability policy to pay a claim, the person who is legally liable - ANSWER: must
be insured under the policy
what are compensatory damages - ANSWER: damages awarded by the court to pay
for actual losses by the plaintiff in a lawsuit
two categories of compensatory damages - ANSWER: special damages and general
damages
what are compensatory special damages - ANSWER: awards for actual economic
losses such as medical expenses , lost wages , and property damages caused by
defendant
what are general compensatory damages - ANSWER: compensate for losses of
intangible nature such as pain and suffering
do full tort coverages have a high or low premium - ANSWER: much higher premium
than limited tort
what are punitive damages - ANSWER: damages exceeding simple compensation and
awarded to punish the defendant.
contributory negligence - ANSWER: A common law defense stating that if individuals
contribute to their own loss in any way, then the defendant cannot be held liable for
the loss
CORRECTLY ANSWERED QUESTIONS GRADED A+
Liability insurance policies are what kind of contracts - ANSWER: third party
contracts
third party contracts do what - ANSWER: promise to pay on behalf of the insured all
damages
two forms of legal liability - ANSWER: civil and criminal liability
what is a tort - ANSWER: A civil wrong
who is the tortfeasor - ANSWER: someone who committed the tort
joint tortfeasor - ANSWER: two or more people who commit a single tort
in civil lawsuit, the tortfeasor is referred to as - ANSWER: the defendant
in civil law, the injured person bringing the suit is referred to as - ANSWER: the
plantiff
how are torts addressed by insurance policies - ANSWER: intentional, unintentional
or liability without fault
intentional tort acts are - ANSWER: committed with intent, may still be covered if
consequences of the action were not intended
what are the 7 intentional torts - ANSWER: 1. Battery
2. Assault
3. False Imprisonment
4. Intentional Infliction of Emotional Distress
5. Trespass to Land
6. Trespass to Chattels
7. Conversion
unintentional torts are known as - ANSWER: negligence
what is negligence - ANSWER: failure to use ordinary or reasonable care
Vicarious or imputed negligence is - ANSWER: unintentional tort where act is not
directly attributable to the insured
common form of vicarious liability - ANSWER: relationship between employer and
employee aka pizza delivery guy hitting pedestrian
, strict or absolute liability - ANSWER: imposed by statutory law that involve inherent
danger
activities involving inherent danger include - ANSWER: dangerous materials,
hazardous operations or animals
Bodily injury is defined as - ANSWER: bodily harm,sickness, disease or death
property damage is defined as - ANSWER: direct physical damage to tangible
property including the loss of use
to prove negligence what must be established - ANSWER: the actions not only
caused injury or damage but also was the proximate cause of the loss
The foreseeability test is used to determine what - ANSWER: tests whether negligent
party should have reasonably foreseen the consequences that resulted from action
common law consists of what - ANSWER: behaviors and customs that have never
been written into the law
statute law is what - ANSWER: written law of states
For a liability policy to pay a claim, the person who is legally liable - ANSWER: must
be insured under the policy
what are compensatory damages - ANSWER: damages awarded by the court to pay
for actual losses by the plaintiff in a lawsuit
two categories of compensatory damages - ANSWER: special damages and general
damages
what are compensatory special damages - ANSWER: awards for actual economic
losses such as medical expenses , lost wages , and property damages caused by
defendant
what are general compensatory damages - ANSWER: compensate for losses of
intangible nature such as pain and suffering
do full tort coverages have a high or low premium - ANSWER: much higher premium
than limited tort
what are punitive damages - ANSWER: damages exceeding simple compensation and
awarded to punish the defendant.
contributory negligence - ANSWER: A common law defense stating that if individuals
contribute to their own loss in any way, then the defendant cannot be held liable for
the loss
