Liability
PIP
Uninsured Motorist
Endorsements
BONUS
100

What are these considered?

Business

Partners

Who is NOT an insured under Liability of the PAP?
100

4 or more wheels

designed and required to be licensed for the road

NOT a government owned or mass transit


What is a defined motor vehicle?
100

1. Uninsured

2. Underinsured

3. Hit & Run

4. Insolvent Carrier

5. Other company denies coverage

What activates Uninsured Motorist?
100
Person with no vehicle desiring excess Liability, Medical Payments and Uninsured Motorist?
What is "Named Non-owner"?
100

Must have vehicle in Florida for more than 90 days out of the last 365 days to be required to comply


Who is requirement for a non-resident to comply with PIP?
200

1. Property in the insured "Care, Custody and Control"

2. Intentional

3. In the business of selling, servicing, repairing

What are Exclusions under Liability?
200

- One who holds legal title

- Debtor in possession

- Lease (lessee) of 6 or more months

- Lease (lessee) with the option to purchase

What is Owners of Motor Vehicles?
200

What do all these requirements have in common?

1. Reject

2. Purchase Reduced UM limits

3. Select "Non-Stacked"

When must insured sign a form?
200

Amount for Tapes, Record and Disc under the

Audio, Visual, Date Electronic endorsement

What is $200?
200

Period of time - under Cancellation - when the insurer can cancel for

1. Misrepresentation

2. Fraud

3. Non-payment

4. Suspension of Drivers License

What is "Over 60 days"
300

What is it called when limits are exhausted by payment or settlement

Cease to Defend
300

- 80% Medical (Treatment received within 14 days)

- 60% loss wages

-100% Replacement of Household Services

- $5k Death Benefit

- $2,500 when non medical emergency

What are considered PIP Benefits?
300

Recovery from WC, Medical Payment and Liability is reduced from this statute.

What is "Uninsured Motorist"?
300
What covers Motor Home, Motorcycle, All terrain Vehicles by Endorsement?

What is Miscellaneous Type Vehicle Endorsement?

300
What is the state-regulated program for individuals who cannot purchase auto coverage from an admitted market?
What is FAJUA?
400
What is the coverage called when the "Newly Acquired" vehicle is covered to the end of the policy term without calling the agent.
What is a Replacement Vehicle coverage?
400

Can't be sued for non economic losses such except for

- significant or permanent loss of bodily function (loss of limb)

- permanent injury other than scarring or disfigurement (body tissue)

-death

- significant or permanent scarring or disfigurement

What is Tort Exemption?
400
If pain and suffering is to pay under Uninsured Motorist, what would have to happen?
What is "Non-economic Damages"?
400
Increases your coverage to "Any limit" is available under this endorsement.
What maximum for "Increased Transportation Expense"
400
How many days - does the insurer have to refund premium - when the policy was cancelled?
What is "30 days"?
500
What is limit is not available under Liability of the PAP which states the maximum payable for all claims in the policy year.
What is an aggregate limit?
500

1. Owner is denied immunities from legal liability granted by this law.

2. Owner is personally liable

3. Owner driver's license is suspended

What are the penalties for non-compliance under PIP?
500
The insured has Stacked UM coverage on two cars but not the third car under the policy.  The insured is riding in the third car, how does UM pay?
Stacked Coverage - applies to all vehicles on the policy if purchased on one.
500

What covers when using a non-owned auto for...

1. Vehicle furnished for your regular use

2. Carrying people or property for a fee


What is "Extended Non-owned" endorsement?
500

What is activated by:

1. Accident

2. Major traffic violation

3. Vehicle involved in a felony

What is Financial Responsibility?
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