2024 FLORIDA 2-20 AGENTS
LICENCE EXAM : QUESTIONS
AND CORRECT DETAILED
ANSWERS
Keith commutes into the city in his car, and he provides a
ride to two co-workers who live near him. Every other
week, the co-workers take turns buying the gasoline for
Keith's car. Does this activity create a public or livery
conveyance situation that would preclude liability coverage
under Keith's Personal Auto Policy (PAP)? - ✔✔✔✔No,
because Keith is involved in a share-the-expense car pool.
An insured covers his owned auto with more than one
Personal Auto Policy (PAP), each from a different insurer.
In the event of a claim for medical payments coverage, -
✔✔✔✔Each insurer pays its pro rata share based on the
proportion that its limit of liability bears to the total of
applicable limits.
The Insuring Agreement in Part A - Liability Coverage of
the Personal Auto Policy contains descriptions of all of the
following EXCEPT: - ✔✔✔✔Limit of Liability
Tom and Martha insure their house with an unendorsed
HO-3—Special Form (HO-3) with a Coverage A—Dwelling
limit of $300,000, which is the replacement cost of the
house. A thief breaks into the house while Tom and
Martha are on vacation and steals the following items:
•$500 cash•$50,000 stock certificates. Ignoring any
deductible that may apply, how much, if any, will Tom and
Martha's insurer pay for the loss of the items? -
✔✔✔✔$1,700
Under the HO-3—Special Form (HO-3) Section I—
Conditions, the Loss Settlement condition -
✔✔✔✔Establishes the process for determining the amount
to be paid for a property loss.
Property described in Coverages A, B, and C of an HO3—Special Form (HO-3) that is destroyed, confiscated, or
seized by order of any governmental or public authority is -
✔✔✔✔Excluded.
Adam and his insurer disagree on the amount of a loss
covered by his homeowners policy. Adam wants the
insurer to pay $10,000 toward the loss. The insurer's
representative feels that the loss should be valued at
$5,000. How could the appraisal process resolve this
situation? - ✔✔✔✔Adam and the insurer will each select
an appraiser, and the two appraisers will submit their
differences to an impartial umpire who will reach a
resolution.
Which one of the following has special limits of liability
within Coverage C of the HO-3—Special Form (HO-3)? -
✔✔✔✔Theft of firearms
The Florida Surplus Service Lines Office (FSLSO) was
created to - ✔✔✔✔oversee the surplus lines industry in
the state
Which of the following is NOT a required qualification for a
General Lines Agent: - ✔✔✔✔Seeking the license only to
write controlled business
The Department of Financial Services performs the
following, EXCEPT: - ✔✔✔✔Pays insurance claims
Once license, you have how long to obtain an
appointment? - ✔✔✔✔48 months
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