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FL Personal Lines Agent 2044 Questions with
100% Verified Answers 2025 | 2026
warranty - ANSWER Agreement between insured and insurer
that certain conditions will be met
Vicarious Liability - ANSWER Legal responsibility placed on one
person for the acts of another.
Vacant - ANSWER The absence of both people and property
from a premises.
Unscheduled Coverage/ Blanket Insurance - ANSWER A single
coverage amount that applies generally to personal property.
UM - ANSWER Pays insured if the at fault driver has no
insurance or not enough or Hit & run
Covers:
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NI & family members in their own car, in other vehicles, and as
pedestrians.
Other persons covered while occupying NI's car
UM Stacked vs Unstacked - ANSWER Stacked - limits provided
for two or more vehicles are added together in determining
limit of coverage available to injured person in one accident
Unstacked - coverage available is only the limit applicable to
that specific vehicle
Subrogation - ANSWER Transfer to the insurance company of
the insured's right to collect for damages
Speculative Risk - ANSWER a situation in which either profit or
loss is possible
Severability Clause - ANSWER A standard Liability insurance
clause that means that insurance applies separately to each
insured.
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Robbery - ANSWER The taking or attempted taking of property
by one who has caused or threatened to cause bodily harm
Residual Market - ANSWER An organization created by the
Legislature to provide Florida residents with crucial or required
coverages generally unavailable in the voluntary market.
Pure Risk - ANSWER A situation in which there are only the
possibilities of loss or no loss but no gain
Punitive Damages - ANSWER Damages that punish the
wrongdoer for anti-social actions, rather than compensating for
loss
Proximate Cause - ANSWER When there is an unbroken
connection between an occurrence and damage that grows out
of the occurrence, then the resulting damage is a part of the
occurrence.
Occurrence - ANSWER An accident, including continuous or
repeated exposure to substantially the same general harmful
conditions.
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Optionally Renewable - ANSWER a type of health insurance that
cannot be cancelled during the policy term, but for which the
company reserves the right to non-renewal the policy at
expiration.
Personal Articles Floater - ANSWER Personal Inland Marine
insurance which provides all-risk coverage on nine optional
classes of personal property: jewelry, furs, cameras, musical
instruments, silverware, golf equipment, fine arts, stamp
collections and coin collections.
Named Nonowner Coverage - ANSWER Coverage for a named
individual who does not own an auto while the insured is
operating autos owned by others
Noncancellable - ANSWER A type of health insurance policy that
the company may not cancel, but must renew to a certain age
with no change in premium. Affords the greatest degree of
continuation protection to the insured.
FL Personal Lines Agent 2044 Questions with
100% Verified Answers 2025 | 2026
warranty - ANSWER Agreement between insured and insurer
that certain conditions will be met
Vicarious Liability - ANSWER Legal responsibility placed on one
person for the acts of another.
Vacant - ANSWER The absence of both people and property
from a premises.
Unscheduled Coverage/ Blanket Insurance - ANSWER A single
coverage amount that applies generally to personal property.
UM - ANSWER Pays insured if the at fault driver has no
insurance or not enough or Hit & run
Covers:
,2|Page
NI & family members in their own car, in other vehicles, and as
pedestrians.
Other persons covered while occupying NI's car
UM Stacked vs Unstacked - ANSWER Stacked - limits provided
for two or more vehicles are added together in determining
limit of coverage available to injured person in one accident
Unstacked - coverage available is only the limit applicable to
that specific vehicle
Subrogation - ANSWER Transfer to the insurance company of
the insured's right to collect for damages
Speculative Risk - ANSWER a situation in which either profit or
loss is possible
Severability Clause - ANSWER A standard Liability insurance
clause that means that insurance applies separately to each
insured.
,3|Page
Robbery - ANSWER The taking or attempted taking of property
by one who has caused or threatened to cause bodily harm
Residual Market - ANSWER An organization created by the
Legislature to provide Florida residents with crucial or required
coverages generally unavailable in the voluntary market.
Pure Risk - ANSWER A situation in which there are only the
possibilities of loss or no loss but no gain
Punitive Damages - ANSWER Damages that punish the
wrongdoer for anti-social actions, rather than compensating for
loss
Proximate Cause - ANSWER When there is an unbroken
connection between an occurrence and damage that grows out
of the occurrence, then the resulting damage is a part of the
occurrence.
Occurrence - ANSWER An accident, including continuous or
repeated exposure to substantially the same general harmful
conditions.
, 4|Page
Optionally Renewable - ANSWER a type of health insurance that
cannot be cancelled during the policy term, but for which the
company reserves the right to non-renewal the policy at
expiration.
Personal Articles Floater - ANSWER Personal Inland Marine
insurance which provides all-risk coverage on nine optional
classes of personal property: jewelry, furs, cameras, musical
instruments, silverware, golf equipment, fine arts, stamp
collections and coin collections.
Named Nonowner Coverage - ANSWER Coverage for a named
individual who does not own an auto while the insured is
operating autos owned by others
Noncancellable - ANSWER A type of health insurance policy that
the company may not cancel, but must renew to a certain age
with no change in premium. Affords the greatest degree of
continuation protection to the insured.
