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All-Lines Insurance Adjuster Exam (Texas and Florida 6-20)

Auto and PIP (FL): practice questions

Our Insurance adjuster (all lines) bank has 13 questions on this topic. Here are 4 of them with answers; the full mock exam draws from every topic, like the real one.

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Question 1 · Florida

When a Florida auto policy is cancelled for nonpayment of premium, the minimum notice is:

  1. 10 days, with the reason
  2. 45 days
  3. No notice
  4. 30 days, with the reason
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A. 10 days, with the reason — Fla. Stat. 627.728(3)(a): when cancellation is for nonpayment of premium, at least 10 days' notice accompanied by the reason must be given.

Question 2 · Florida

What is the Florida PIP death benefit per individual?

  1. $10,000, within the medical limit
  2. $5,000, in addition to other PIP benefits
  3. $2,500
  4. $25,000
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B. $5,000, in addition to other PIP benefits — Fla. Stat. 627.736(1)(c).

Question 3 · Florida

A Florida auto insurer cancelling a policy for reasons other than nonpayment must give the insured and agent at least:

  1. 10 days' notice
  2. 45 days' notice, with the reasons
  3. 20 days' notice, with or without reasons
  4. 90 days' notice
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B. 45 days' notice, with the reasons — Fla. Stat. 627.728(3)(a): notice of cancellation must be mailed or delivered at least 45 days before the effective date; for nonpayment, at least 10 days' notice with the reason.

Question 4 · Florida

Florida requires uninsured motor vehicle coverage in an auto liability policy that provides:

  1. Only property damage liability
  2. Collision coverage
  3. Bodily injury liability coverage on a Florida-registered or garaged vehicle
  4. Only commercial vehicle coverage for business fleets
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C. Bodily injury liability coverage on a Florida-registered or garaged vehicle — Fla. Stat. 627.727(1): no policy that provides bodily injury liability coverage on a vehicle registered or principally garaged in Florida may be issued unless uninsured motor vehicle coverage is provided (subject to written rejection).

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