Florida Insurance Claims Adjuster License Practice Exam

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What can Tom recover in a tort claim if he has $16,000 in medical bills with a $1,000 PIP deductible and is injured in a not at-fault auto accident with temporary injuries?

$6,000
$5,000
$15,000
$10,000

The correct answer is: $6,000

Possible Explanation Tom can recover $6,000 in a tort claim if he has $16,000 in medical bills with a $1,000 PIP deductible and is injured in a not-at-fault auto accident with temporary injuries. This is because his PIP deductible has already been paid and he can recover the remaining $15,000 (total medical bills minus PIP deductible) from the at-fault driver. The other options are incorrect because $5,000 and $10,000 are less than the total medical bills and $15,000 would be the total amount if the PIP deductible had not been paid.