Insurance Customer Service Rep 440 Exam
Review Questions with Expertly Verified
Correct Answers Updated 2025/2026
Introduction:
This document contains a full set of review questions and expertly
verified correct answers for the Insurance Customer Service
Representative (440) exam, updated for the academic years 2025–
2026. It covers essential insurance concepts including perils,
coinsurance, PIP, no-fault law, homeowners policies, workers
compensation, commercial property, ethics, endorsements, and
more. Additionally, it includes scenario-based customer service
questions designed to prepare candidates for both the technical and
practical aspects of the exam.
Exam Questions and Answers:
What associations are Citizens Property and Insurance made up of?
--- correct answer ---In 2001, the Florida Residential Property and
Casualty Joint Underwriting Association (FRPCJUA) and the Florida
Windstorm Joint Underwriting Association (FWUA)
,Identify the characteristics of a Personal Automobile Policy
Declaration Page. --- correct answer ---o Liability (Bodily Injury)
o Property Damage
o Uninsured Motorist
o Medical Payments
o Personal Injury Protection
o Collision Deductible
o Comprehensive Deductible
o Towing Coverage
o Rental Coverage
Identify examples of Transacting Insurance. --- correct answer ---A
customer representative may engage in transacting insurance with
customers who have been solicited by any agent, or customer
representative in the same agency, and may engage in transacting
insurance with customers who have not been so solicited to the
extent and under conditions that are otherwise consistent with this
part and with the insurer's contract with the agent appointing him
or her.
Number of days to reinstate license after appointment termination.
--- correct answer ---90 days
, Website for the Florida Department of Financial Services. ---
correct answer ---https://dice.fldfs.com/public/pb_index.aspx
Identify the Thresholds of the No-Fault Law. --- correct answer ---1.
Those who comply with the law have limited immunity from tort
suits.
2. As one may not be able to seek legal liability damages against
another for bodily injuries, the law substitutes, under one's own
insurance, the coverage defined as Personal Injury Protection (PIP).
This coverage provides first-party benefits for economic loss,
without regard to fault.
3. The law requires that PIP insurance be carried by the owners of
motor vehicles, and imposes penalties for failing to do so. Under
the law a motor vehicle is defined as all self-propelled vehicles with
four or more wheels which are of a type both designed and required
to be licensed for use of Florida highways, and trailers designed for
use with such vehicles.
Actual Cash Value (ACV) --- correct answer ---Replacement Cost
minus Depreciation
Subrogation --- correct answer ---When an insured has a right to
collect damages from another party, but instead elects to claim the
damages under his insurance policy, his rights against the other
party are transferred to the insurer. In this case, the insurer can
sue a negligent third party to recover a loss paid to an insured
Review Questions with Expertly Verified
Correct Answers Updated 2025/2026
Introduction:
This document contains a full set of review questions and expertly
verified correct answers for the Insurance Customer Service
Representative (440) exam, updated for the academic years 2025–
2026. It covers essential insurance concepts including perils,
coinsurance, PIP, no-fault law, homeowners policies, workers
compensation, commercial property, ethics, endorsements, and
more. Additionally, it includes scenario-based customer service
questions designed to prepare candidates for both the technical and
practical aspects of the exam.
Exam Questions and Answers:
What associations are Citizens Property and Insurance made up of?
--- correct answer ---In 2001, the Florida Residential Property and
Casualty Joint Underwriting Association (FRPCJUA) and the Florida
Windstorm Joint Underwriting Association (FWUA)
,Identify the characteristics of a Personal Automobile Policy
Declaration Page. --- correct answer ---o Liability (Bodily Injury)
o Property Damage
o Uninsured Motorist
o Medical Payments
o Personal Injury Protection
o Collision Deductible
o Comprehensive Deductible
o Towing Coverage
o Rental Coverage
Identify examples of Transacting Insurance. --- correct answer ---A
customer representative may engage in transacting insurance with
customers who have been solicited by any agent, or customer
representative in the same agency, and may engage in transacting
insurance with customers who have not been so solicited to the
extent and under conditions that are otherwise consistent with this
part and with the insurer's contract with the agent appointing him
or her.
Number of days to reinstate license after appointment termination.
--- correct answer ---90 days
, Website for the Florida Department of Financial Services. ---
correct answer ---https://dice.fldfs.com/public/pb_index.aspx
Identify the Thresholds of the No-Fault Law. --- correct answer ---1.
Those who comply with the law have limited immunity from tort
suits.
2. As one may not be able to seek legal liability damages against
another for bodily injuries, the law substitutes, under one's own
insurance, the coverage defined as Personal Injury Protection (PIP).
This coverage provides first-party benefits for economic loss,
without regard to fault.
3. The law requires that PIP insurance be carried by the owners of
motor vehicles, and imposes penalties for failing to do so. Under
the law a motor vehicle is defined as all self-propelled vehicles with
four or more wheels which are of a type both designed and required
to be licensed for use of Florida highways, and trailers designed for
use with such vehicles.
Actual Cash Value (ACV) --- correct answer ---Replacement Cost
minus Depreciation
Subrogation --- correct answer ---When an insured has a right to
collect damages from another party, but instead elects to claim the
damages under his insurance policy, his rights against the other
party are transferred to the insurer. In this case, the insurer can
sue a negligent third party to recover a loss paid to an insured
