Florida Insurance Claims Adjuster License Practice Exam

What is 'Sliding' in the context of insurance policies?

1. Adjusting policy terms mid-contract

2. Selling an unrequired item claiming it's legally necessary

3. Shifting policy benefits without notice

4. Decreasing policy coverage without informing the policyholder

The correct answer is: Selling an unrequired item claiming it's legally necessary

'Adjusting policy terms mid-contract' (choice A) is not considered 'Sliding' in the context of insurance policies. This term is more commonly known as 'contractual liability' or 'contract review' and refers to the process of making changes to an insurance policy after it has been agreed upon and signed by both parties. 'Shifting policy benefits without notice' (choice C) is also not the correct definition for 'Sliding'. This practice is known as 'benefit reduction' or 'coverage modification' and refers to the change in coverage or benefits of a policy that may occur without the knowledge or consent of the policyholder. 'Decreasing policy coverage without informing the policyholder' (choice D) is similar to choice C and is also not the correct definition for 'Sliding'. Both refer to changes in coverage or benefits without proper notice or consent.