Florida Insurance Claims Adjuster License Practice Exam

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If Jane has an at-fault accident with Bob while driving Mary's car and Bob has $40,000 in bodily injury, how much will be collected from Jane's policy (excluding PIP)?

$30,000
$10,000
$50,000
$20,000

The correct answer is: $30,000

If Jane has an at-fault accident with Bob while driving Mary's car and Bob has $40,000 in bodily injury, Jane's policy will only cover up to $30,000. This is because Jane's policy has a maximum coverage limit of $30,000 for bodily injury, which is less than Bob's $40,000 in injuries. Therefore, the remaining $10,000 will not be covered by Jane's policy and will have to be paid out of pocket. Options B, C, and D are incorrect because they have either lower or higher coverage limits that do not match the amount needed to cover Bob's injuries.