Florida 6-20 Adjuster Practice Test
FL 6-20 Adjuster Auto Physical Damage & Mechanical Breakdown Practice Questions
Auto Physical Damage & Mechanical Breakdown makes up 7 of every 50 questions on a Tigertest FL 6-20 Adjuster practice test. Here are 10 of the 28 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 Personal Auto Policy Part D, a covered car that hits a deep pothole and bends a wheel is paid as:
- A.Medical payments
- B.Collision
- C.Other than collision
- D.Liability
Answer: B. Collision means impact with another vehicle or object, including the road surface, or upset. Contact with a bird or animal is other than collision.
2. Under Personal Auto Policy Part D, the upset (rollover) of a covered auto is:
- A.Excluded from coverage
- B.A liability loss
- C.An other than collision loss
- D.A collision loss
Answer: D. Collision means the upset of the auto or its impact with another vehicle or object.
3. Glass breakage caused by a collision may, at the insured's option, be paid as:
- A.Part of the collision loss
- B.An uninsured motorist loss
- C.A separate liability claim
- D.A loss with no deductible
Answer: A. Part D lets the insured treat glass breakage caused by collision as part of the collision loss, so only one deductible applies.
4. In Florida, the comprehensive deductible on a private auto policy does not apply to damage to the covered auto's:
- A.Headlights
- B.Rear bumper
- C.Windshield
- D.Side mirrors
Answer: C. s. 627.7288 bars applying the deductible of comprehensive coverage to windshield damage on a motor vehicle policy issued in Florida.
5. Personal Auto Policy transportation expenses for the theft of an entire covered auto begin:
- A.At the time of the theft
- B.7 days after the theft
- C.48 hours after the theft
- D.24 hours after the theft
Answer: C. Part D pays transportation expenses starting 48 hours after the theft of the entire auto; for other covered losses they start 24 hours after the auto is withdrawn from use.
6. Personal Auto Policy Part D pays the lesser of actual cash value or the:
- A.Cost to repair or replace
- B.Loan balance on the car
- C.Original purchase price
- D.Stated amount on file
Answer: A. The limit of liability under Part D is the lesser of the actual cash value of the stolen or damaged property or the amount needed to repair or replace it, less the deductible.
7. Personal Auto Policy Part D excludes loss to a covered auto caused by:
- A.Riot or civil commotion in a city
- B.Contact with a deer
- C.A falling object
- D.Discharge of a nuclear weapon
Answer: D. Part D excludes war, nuclear weapons and radioactive contamination; animals, falling objects and riot are other than collision perils.
8. Road damage to tires is excluded under Personal Auto Policy Part D unless it:
- A.Is under the deductible
- B.Results from total theft
- C.Happens on a highway
- D.Occurs within a year
Answer: B. The exclusion for road damage to tires does not apply if the damage results from the total theft of the covered auto.
9. Personal Auto Policy physical damage coverage for a non-owned auto the insured is driving applies:
- A.Only to its liability
- B.Excess over other recovery
- C.As primary for every loss
- D.Pro rata with the owner
Answer: B. Part D states that coverage for a non-owned auto is excess over any other collectible source of recovery, such as the owner's own physical damage coverage.
10. After paying a total loss under Personal Auto Policy Part D, the insurer may:
- A.Charge the insured the deductible twice
- B.Bill the insured for towing
- C.Cancel the policy at once
- D.Keep all or part of the salvage
Answer: D. The Part D payment provision allows the insurer to keep all or part of the property at an agreed or appraised value.
Practice all 28 auto physical damage & mechanical breakdown 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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