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Property and Casualty Insurance Producer Exam

Auto and PIP (FL): practice questions

Our Property & Casualty Insurance bank has 13 questions on this topic. Here are 5 of them with answers; the full mock exam draws from every topic, like the real one.

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Question 1 · Florida

To receive Florida PIP medical benefits, the injured person must receive initial care within:

  1. 3 days
  2. 30 days
  3. 60 days
  4. 14 days after the accident
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D. 14 days after the accident — Fla. Stat. 627.736(1)(a): only if the individual receives initial services and care within 14 days after the motor vehicle accident.

Question 2 · Florida

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

  1. 10 days before
  2. 20 days before
  3. 60 days before
  4. 45 days before cancellation
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D. 45 days before cancellation — Fla. Stat. 627.728(3)(a): at least 45 days' notice to the first-named insured and agent; 10 days for nonpayment.

Question 3 · Florida

A Florida insurer may not cancel a new PIP/PD auto policy or binder for nonpayment during the first 30 days unless:

  1. The insured had an accident during the first 30 days
  2. The agent asks
  3. The premium check was dishonored
  4. The car was sold
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C. The premium check was dishonored — Fla. Stat. 627.7295(4): no cancellation of a new policy or binder for nonpayment in the first 30 days unless the reason is a dishonored premium check.

Question 4 · Florida

Florida PIP benefits become overdue if not paid within how many days after the insurer gets written notice of the loss and its amount?

  1. 10 days
  2. 45 days
  3. 30 days
  4. 60 days
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C. 30 days — Fla. Stat. 627.736(4)(b): benefits are overdue if not paid within 30 days after the insurer is furnished written notice of the fact of a covered loss and of its amount.

Question 5 · Florida

Florida PIP death benefits are:

  1. $2,500
  2. $5,000
  3. $10,000
  4. $25,000
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B. $5,000 — Fla. Stat. 627.736(1): $5,000 in death benefits.

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