Florida 6-20 Adjuster Practice Test
FL 6-20 Adjuster Florida PIP & Uninsured Motorists Practice Questions
Florida PIP & Uninsured Motorists makes up 3 of every 50 questions on a Tigertest FL 6-20 Adjuster practice test. Here are 10 of the 12 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. Florida personal injury protection disability benefits pay what share of the injured person's lost gross income?
- A.50 percent
- B.60 percent
- C.80 percent
- D.66 2/3 percent
Answer: B. s. 627.736(1)(b) pays 60 percent of lost gross income and earning capacity, plus replacement services. The 80 percent figure is the medical benefit.
2. Florida personal injury protection disability benefits must be paid at least once every:
- A.Month
- B.Calendar quarter
- C.Week
- D.2 weeks
Answer: D. s. 627.736(1)(b) requires all disability benefits to be paid at least every 2 weeks.
3. A Florida PIP benefit becomes overdue if not paid within how long after the insurer gets written notice of a covered loss and its amount?
- A.30 days
- B.60 days
- C.15 days
- D.45 days
Answer: A. Under s. 627.736(4)(b), PIP benefits are overdue if not paid within 30 days after written notice of the fact and amount of a covered loss; overdue payments bear interest.
4. A Florida PIP insurer reasonably suspects fraud and notifies the claimant within the first 30 days. How much more time does it have to investigate?
- A.90 days
- B.10 days
- C.60 days
- D.30 days
Answer: C. s. 627.736(4)(i) gives the insurer an additional 60 days, beginning at the end of the initial 30-day period, to conduct its fraud investigation.
5. Florida PIP medical benefits do not reimburse:
- A.Dental work and X-rays
- B.Rehabilitative services
- C.Massage therapy or acupuncture
- D.Ambulance rides and hospital care
Answer: C. s. 627.736(1)(a)5. excludes massage therapy and acupuncture from PIP medical benefits, whoever provides them.
6. Which injured person may a Florida PIP insurer exclude from benefits?
- A.One hurt while committing a felony
- B.A relative living with the insured
- C.A pedestrian hit by the insured car
- D.A passenger in the insured car
Answer: A. s. 627.736(2)(b) allows exclusion of a person who intentionally caused his or her own injury or was injured while committing a felony.
7. Under Florida's no-fault tort exemption, a person hurt in a car accident may recover damages for pain and suffering only if the injury includes:
- A.A police crash report
- B.Treatment begun within 14 days
- C.Bills over the PIP limit
- D.A permanent injury or death
Answer: D. s. 627.737(2) limits pain and suffering damages to significant and permanent loss of an important bodily function, permanent injury, significant and permanent scarring or disfigurement, or death.
8. Under Florida law, a rental company's liability and PIP insurance on a rented car is primary unless:
- A.The renter is younger than age 25
- B.The agreement says so in 10-point type
- C.The renter has a personal auto policy too
- D.The rental lasts for under one week
Answer: B. s. 627.7263 makes the lessor's coverage primary unless the rental or lease agreement states otherwise in at least 10-point type on its face.
9. A car is leased for two years and the lessor provides the liability coverage. Who may reject Florida uninsured motorist coverage?
- A.Neither of them
- B.Only the lessee
- C.Only the lessor
- D.Either party alone
Answer: B. s. 627.727(1) gives the lessee of a vehicle leased for 1 year or longer the sole privilege to reject UM coverage or select lower limits when the lessor provides the liability coverage.
10. Florida PIP medical reimbursement is capped at a lower amount when a provider determines the injured person:
- A.Has other health insurance too
- B.Was a passenger, not a driver
- C.Was partly at fault for causing the crash
- D.Had no emergency medical condition
Answer: D. s. 627.736(1)(a)3. and 4. allow the full medical limit only if an authorized provider finds an emergency medical condition; without one the reimbursement is limited to a lower amount.
Practice all 12 florida pip & uninsured motorists 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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