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FLORIDA 2-20 STATE EXAM AND PRACTICE EXAM (FINAL EXAM) NEWEST ACTUAL EXAM COMPLETE 200 QUESTIONS AND CORRECT DETAILED ANSWERS (VERIFIED ANSWERS) |ALREADY GRADED A+ $30.49
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FLORIDA 2-20 STATE EXAM AND PRACTICE EXAM (FINAL EXAM) NEWEST ACTUAL EXAM COMPLETE 200 QUESTIONS AND CORRECT DETAILED ANSWERS (VERIFIED ANSWERS) |ALREADY GRADED A+
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FLORIDA 2-20 STATE
Institution
FLORIDA 2-20 STATE
FLORIDA 2-20 STATE EXAM AND
PRACTICE EXAM (FINAL EXAM) NEWEST
ACTUAL EXAM COMPLETE 200
QUESTIONS AND CORRECT DETAILED
ANSWERS (VERIFIED ANSWERS)
|ALREADY GRADED A+
FLORIDA 2-20 STATE EXAM AND
PRACTICE EXAM (FINAL EXAM) NEWEST
2024-2025 ACTUAL EXAM COMPLETE 200
QUESTIONS AND CORRECT DETAILED
ANSWERS (VERIFIED ANSWERS)
|ALREADY GRADED A+
FLORIDA 2-20 STATE EXAM
The Uninsured Motorists (UM) law requires that every policy
that provides primary Liability coverage for a specific motor
vehicle must include "stacked" UM at the same limits as apply
for Liability coverage, unless the insured, in writing does which
if any of the following (multiple options are available to the
insured). - ANSWER- rejects UM coverage , elects UM
coverage at limits lower than those that apply for liability, and
elects " non-stacked" UM coverage
Which, if any, of the following are non-compliance penalties for
not complying with the Florida No-Fault Law? - ANSWER- no
immunity , personally responsible for PIP benefits, and
suspension of drivers license and vehicle registration
Medical Payments are payments (without regard to fault or legal
liabilities) for necessary medical and funeral expenses rendered
,2|Page
within ______ years from the date of accident to an "insured". -
ANSWER- 3
The medical benefits paid under Personal Injury Protection are
up to ____% of reasonable expenses for necessary medical
services. - ANSWER- 80
Collision Coverage and Other Than Collision Coverage for a
"newly acquired auto" begins on the date you become the
owner. However, for this coverage to apply, you must ask us to
insure it within ___ days if the Declarations indicate that
Collision Coverage applies to at least one auto will have the
broadest coverage now provided for any auto shown in the
Declarations. - ANSWER- 14
A ______________ is defined as a private passenger auto,
pickup, van or trailer not owned by or furnished to or available
for the regular use of the named insured or a family member
which the insured hires, rents, leases, or borrows. - ANSWER-
hired auto
No-Fault requirements for non-residents who are not required to
register their vehicles in Florida ARE subject to the No-Fault
law if they have a motor vehicle physically present in Florida for
more than ___ of the preceding 365 days. - ANSWER- 90
,3|Page
PIP exceptions also known as "thresholds" permit the recovery
of non-economic loss (i.e. action for pain, suffering, mental
anguish and inconvenience) if the injury results in all EXCEPT
which of the following? - ANSWER- loss of work longer than
21 days
Brenda has a PIP claim with $8,000 in injuries and a $0 PIP
deductible. How much will Brenda receive as a claims payment
from her insurance company? - ANSWER- 6,400
The law requires an operator of a motor vehicle involved in an
accident (one involving bodily injury or property damage
rendering a vehicle inoperable) OR convicted of certain traffic
offenses to respond for such damages and show proof of
financial responsibility for damages in future accidents.Proof of
financial responsibility can be all BUT which of the following? -
ANSWER- $30,000 line of credit at the bank
If an accident occurs in the state of Florida, the named insured's
PIP benefits apply to a residing relative if injured as an occupant
of the insured's vehicles. If the accident occurs outside of the
state of Florida is the residing relative still covered? -
ANSWER- yes if the residing relative injury occurs in one of the
named insurers vehicle
, 4|Page
No-Fault PIP benefits apply in what amounts? (choose all that
apply) - ANSWER- medical benefits are paid at 80% of medical
expenses and work loss is paid at 60% of loss of income
Herbert was permanently injured in an auto accident caused by
the negligence of John. Herbert's injuries were valued at
$200,000. Herbert has PIP and has recovered his full $10,000
limit, and he has a $300,000 single limit Uninsured Motorist
coverage in his Personal Auto Policy (PAP). John has a Personal
Auto Policy (PAP) with Bodily Injury Liability limits of
$50,000 per person and $100,000 per occurrence. What is the
dollar amount of Herbert's Uninsured Motorist Bodily Injury
claim? - ANSWER- 140,000
In the Personal Auto Policy (PAP), payment for legal liability on
behalf of the insured is for _______________ and
________________ to others. - ANSWER- bodily injury and
property damage
Kevin has four vehicles and he insures all of them with $10,000
per person and $20,000 per occurrence of "stacked" Uninsured
Motorists Bodily Injury. Kevin was involved in an auto accident
with a hit and run driver (the accident was the other driver's
fault). Kevin was alone in his car, what is the maximum
recoverable amount Kevin could receive under his Uninsured
Motorist Bodily Injury coverage? - ANSWER- 40,000
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