Florida Insurance Claims Adjuster License Practice Exam

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Prepare for the Florida Insurance Claims Adjuster License Exam with this informative quiz. Engage with multiple-choice questions and explanations to boost your understanding and confidence for the official exam.

Each practice test/flash card set has 50 randomly selected questions from a bank of over 500. You'll get a new set of questions each time!

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Which of the following is true if Sam, an owner not insured for PIP, borrows Fred's car, has an at-fault accident, and causes Betty $5,000 in medical bills?

Sam does not have Tort Exemption
Betty may sue Sam and Fred for $5,000
Betty must use her own PIP to pay her medical bills
Sam may recover any damages from Fred's PIP

The correct answer is: Betty must use her own PIP to pay her medical bills

If Sam is not insured for personal injury protection (PIP) and borrows Fred's car, Sam would still be responsible for any damages they cause. However, since Sam does not have PIP, they would not be able to use it to cover their medical bills if they caused an at-fault accident. Therefore, the correct answer is C. Option A is incorrect because Tort Exemption refers to the ability to avoid being sued in case of an accident, which is not relevant in this scenario since Betty is already injured. Option B is incorrect because Betty cannot sue Sam and Fred for the full $5,000, she can only ask for compensation for her medical bills. Option D is incorrect because Sam does not have PIP, they cannot recover any damages from Fred's insurance.