Florida Insurance Claims Adjuster License Practice Exam

If an insured has $100,000 of unstacked UM coverage with three cars on the policy, how much is available under a UM claim?

1. $0

2. $300,000

3. $100,000

4. $200,000

The correct answer is: $100,000

If an insured has $100,000 of unstacked UM coverage with three cars on the policy, the maximum amount available for a UM claim is $100,000. This is because unstacked UM coverage does not allow for the coverage to be combined or "stacked" across multiple vehicles on the policy. Option A, $0, is incorrect because it assumes that there is no coverage available for a UM claim. Option B, $300,000, is incorrect because it assumes that the coverage can be stacked for a total of $300,000, which is not the case with unstacked UM coverage. Option D, $200,000, is incorrect for the same reason as option B. The correct answer C, $100,000, takes into account the policy's unstacked UM coverage limit and does not make incorrect assumptions about stacking.