An insured driver is injured to the tune of $15,000.  How is the insured paid and can the insured make a claim for the medical bills from the at fault driver (10/20/10 coverage) and if so, how much?  MP first then PIP and BI from the at fault driver insurance.   No. Florida has a No Fault statute that applies to injuries.   $8000 PIP and $7000 BI from the at fault driver insurance. Correct!  $10,000 PIP and $5000 BI from the at fault driver insurance.  Question 131 / 1 ptsWhich injury situation below resulting from an at fault driver is not included in Uninsured Motorist automobile coverage?  Hit and run accident.   At fault driver with BI limits lower than the insured’s injury claim amount. Correct!  At fault driver with BI limits higher than the insured’s injury claim amount.   At fault driver’s insurance company is insolvent.  Question 141 / 1 ptsThe insured is driving a car and has three other insured vehicles at home and is injured.  UM coverage is 25/50 stacked.   What is the coverage available for a covered UM claim?  25/150 Correct!  100/200   75/50   25 plus 75 times three  Question 151 / 1 ptsPhysical damage in the personal auto policy has two coverages.  Comprehensive and Mechanical Breakdown.   Collision and Upset/Overturn.   Other Than Collision and Vehicle Impact. Correct!  Other Than Collision and Collision.  Question 161 / 1 ptsAutomobile physical damage claims are adjusted with this method.  Actual cash value.   Cost to repair minus a penalty if at fault for the damage.   Cost to repair or replace. Correct!  Both A and C.  Question 171 / 1 ptsWhat is the personal automobile endorsement is needed when the insured has a non-owned automobile furnished for his regular use?  Named Non-Owned Coverage. Correct!  Extended Non-Owned Coverage.   Non-Owner Coverage.   Borrowed Auto Coverage.  Question 181 / 1 ptsWhat is the normal coverage for used autos in the Mechanical Breakdown Coverage policy?  36 months and 36,000 miles.   18 months and 18,000 miles.   48 months and 48,000 miles. Correct!  12 months and 12,000 miles.  Question 191 / 1 ptsThe insured driver is injured by an at fault driver who carries 10/20/10 liability coverage.  The insured has coverages: 10/20/10; PIP; MP $3,000; Stacked 10/20 UM on the three vehicles owns.   How is his injury claim of $40,000 paid?Correct!  PIP; MP; at fault driver BI; UM.   PIP; MP; at fault driver BI.   PIP; at fault driver BI; UM.   At fault driver BI is all that is needed.  Question 201 / 1 ptsWhat is the symbol in the Business Auto Policy with the broadest coverage?Correct!  Symbol 1.   Symbol 2.   Symbol 10.   I just don’t know.  Question 211 / 1 ptsWhich of these cannot be covered in the Business Auto Policy?  Passenger vehicles.   Trucks. Correct!  Mobile equipment not licensed for highway use.   Automobiles over 10,000 pounds.  Question 221 / 1 ptsAn additional rating factor for the Business Auto Policy not found in the Personal Auto policy is:  Territory or where located. Correct!  Distance driven or radius of operation.   Usage.   Gender and Age of drivers.  Question 231 / 1 ptsThe Garage Insurance Policy provides liability coverage for:  Operations of the insured business.   Vehicles owned by Garage businesses.   Premises. Correct!  All of the above  Question 241 / 1 ptsThe section of the Garage Insurance Policy that eliminates the exclusion for liability that arises out of property in the care, custody and control of the insured is:  Premises Elimination.   Vehicle Keepers. Correct!  Garage Keepers.   Physical Damage. Quiz Score: 24 out of 24PreviousNextLast Attempt Details:Time: 5 minutesCurrent Score: 24 out of 24Kept Score: 24 out of 242 Attempts so farView Previous AttemptsUnlimited AttemptsTake the Quiz Again(Will keep the highest of all your scores)

An insured driver is injured to the tune of $15,000.  How is the insured paid and can the insured make a claim for the medical bills from the at fault driver (10/20/10 coverage) and if so, how much?  MP first then PIP and BI from the at fault driver insurance.   No. Florida has a No Fault statute that applies to injuries.$8000 PIP and $7000 BI from the at fault driver insurance. Correct!$10,000 PIP and $5000 BI from the at fault driver insurance.  Question 131 / 1 ptsWhich injury situation below resulting from an at fault driver is not included in Uninsured Motorist automobile coverage?  Hit and run accident.   At fault driver with BI limits lower than the insured’s injury claim amount. Correct!  At fault driver with BI limits higher than the insured’s injury claim amount.   At fault driver’s insurance company is insolvent.  Question 141 / 1 ptsThe insured is driving a car and has three other insured vehicles at home and is injured.  UM coverage is 25/50 stacked.   What is the coverage available for a covered UM claim?  25/150 Correct!  100/200   75/50   25 plus 75 times three  Question 151 / 1 ptsPhysical damage in the personal auto policy has two coverages.  Comprehensive and Mechanical Breakdown.   Collision and Upset/Overturn.   Other Than Collision and Vehicle Impact. Correct!  Other Than Collision and Collision.  Question 161 / 1 ptsAutomobile physical damage claims are adjusted with this method.  Actual cash value.   Cost to repair minus a penalty if at fault for the damage.   Cost to repair or replace. Correct!  Both A and C.  Question 171 / 1 ptsWhat is the personal automobile endorsement is needed when the insured has a non-owned automobile furnished for his regular use?  Named Non-Owned Coverage. Correct!  Extended Non-Owned Coverage.   Non-Owner Coverage.   Borrowed Auto Coverage.  Question 181 / 1 ptsWhat is the normal coverage for used autos in the Mechanical Breakdown Coverage policy?  36 months and 36,000 miles.   18 months and 18,000 miles.   48 months and 48,000 miles. Correct!  12 months and 12,000 miles.  Question 191 / 1 ptsThe insured driver is injured by an at fault driver who carries 10/20/10 liability coverage.  The insured has coverages: 10/20/10; PIP; MP$3,000; Stacked 10/20 UM on the three vehicles owns.   How is his injury claim of $40,000 paid?Correct!  PIP; MP; at fault driver BI; UM.   PIP; MP; at fault driver BI.   PIP; at fault driver BI; UM.   At fault driver BI is all that is needed.  Question 201 / 1 ptsWhat is the symbol in the Business Auto Policy with the broadest coverage?Correct!  Symbol 1.   Symbol 2.   Symbol 10.   I just don’t know.  Question 211 / 1 ptsWhich of these cannot be covered in the Business Auto Policy?  Passenger vehicles.   Trucks. Correct!  Mobile equipment not licensed for highway use.   Automobiles over 10,000 pounds.  Question 221 / 1 ptsAn additional rating factor for the Business Auto Policy not found in the Personal Auto policy is:  Territory or where located. Correct!  Distance driven or radius of operation.   Usage.   Gender and Age of drivers.  Question 231 / 1 ptsThe Garage Insurance Policy provides liability coverage for:  Operations of the insured business.   Vehicles owned by Garage businesses.   Premises. Correct!  All of the above  Question 241 / 1 ptsThe section of the Garage Insurance Policy that eliminates the exclusion for liability that arises out of property in the care, custody and control of the insured is:  Premises Elimination.   Vehicle Keepers. Correct!  Garage Keepers.   Physical Damage. Quiz Score: 24 out of 24PreviousNextLast Attempt Details:Time: 5 minutesCurrent Score: 24 out of 24Kept Score: 24 out of 242 Attempts so farView Previous AttemptsUnlimited AttemptsTake the Quiz Again(Will keep the highest of all your scores)