Florida 6-20 Adjuster Practice Test
FL 6-20 Adjuster Auto Liability (Personal & Business) Practice Questions
Auto Liability (Personal & Business) makes up 4 of every 50 questions on a Tigertest FL 6-20 Adjuster practice test. Here are 10 of the 16 questions on it, each with the answer and the reason.
Updated by the Tigertest team. Based on the Florida all-lines adjuster content outline effective January 2026. Original questions; 50 per test, weighted like the real 100-question exam. Not affiliated with the Florida Department of Financial Services or Pearson VUE.
1. Under the Personal Auto Policy, defense costs the insurer pays are:
- A.Paid only after a verdict
- B.In addition to the limit
- C.Taken out of the limit
- D.Shared with the insured
Answer: B. Part A of the Personal Auto Policy pays defense costs in addition to the limit of liability, until the limit is exhausted by payment of judgments or settlements.
2. A Personal Auto Policy written with a single limit of liability applies that amount to:
- A.Bodily injury claims only
- B.Each vehicle involved in the accident
- C.Each injured person separately
- D.All injury and damage in one accident
Answer: D. A single (combined) limit is the most paid for all bodily injury and property damage from one accident, however it is divided among claimants.
3. Personal Auto Policy liability coverage for damage to property the insured owns is:
- A.Excluded
- B.Covered if a relative drove
- C.Covered up to the limit
- D.Covered after a deductible
Answer: A. Part A excludes property damage to property owned or being transported by the insured; the insured's own car belongs under Part D.
4. The Personal Auto Policy covers a family member's liability while driving:
- A.Any car taken without consent
- B.A car used as a taxi
- C.A borrowed car with permission
- D.A car furnished for regular use
Answer: C. Part A covers a family member using any auto with a reasonable belief of permission, but excludes autos furnished or available for the family member's regular use and livery use.
5. Personal Auto Policy liability is excluded while a covered auto is:
- A.Driven on a private farm road
- B.Used in a share-the-expense car pool
- C.In an organized race at a track
- D.Lent to a friend for one day
Answer: C. Part A excludes any vehicle while it is located inside a facility designed for racing to compete in, practice or prepare for a prearranged or organized racing or speed contest. Permissive use and share-the-expense car pools are covered.
6. Under the Personal Auto Policy, a trailer owned by the named insured is:
- A.A covered auto
- B.Covered only for theft
- C.Treated as non-owned
- D.Excluded unless scheduled
Answer: A. The Personal Auto Policy definition of your covered auto includes any trailer you own, so liability coverage follows it.
7. The Personal Auto Policy's Out of State Coverage provision changes the limits to meet:
- A.The claimant's demand
- B.Twice the stated limits
- C.Florida's highest limits
- D.The other state's minimum
Answer: D. If an accident happens in a state with higher required limits or compulsory coverage, the policy provides at least that state's minimum requirements.
8. A covered person drives a friend's car that has its own liability insurance. The Personal Auto Policy pays:
- A.Nothing at all for that accident
- B.Excess over the friend's policy
- C.Pro rata with the friend's
- D.First, before the friend's
Answer: B. Under the other insurance provision, coverage for a vehicle the insured does not own is excess over any other collectible insurance.
9. Which is a supplementary payment under the Personal Auto Policy?
- A.The insured's traffic fines
- B.Premiums on appeal bonds
- C.Punitive damages awards
- D.The insured's own doctor bills
Answer: B. Supplementary payments, paid in addition to the limit, include bail bond premiums up to a limit, appeal bond premiums, interest after judgment, the insured's lost earnings for attending hearings, and other reasonable expenses at the insurer's request.
10. A hit-and-run driver who is never identified is treated under uninsured motorists coverage as:
- A.A covered insured
- B.A self-insured owner
- C.An excluded driver
- D.An uninsured motorist
Answer: D. The definition of uninsured motor vehicle includes a hit-and-run vehicle whose operator or owner cannot be identified and that hits the insured or the insured's vehicle.
Practice all 16 auto liability (personal & business) questions, and the rest of the 200-question bank, in the free FL 6-20 Adjuster training sets. Questions you miss come back until you have mastered them.
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