Florida Insurance Claims Adjuster License Practice Exam

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What is substituted under one's own insurance according to the main elements of FL law?

  1. Coverage defined as Personal Injury Protection (PIP)

  2. Comprehensive coverage

  3. Liability coverage

  4. Collision coverage

The correct answer is: Coverage defined as Personal Injury Protection (PIP)

PIP coverage is defined as the amount of money that is substituted under your own insurance. Other options like comprehensive coverage, liability coverage, and collision coverage do not fall under the category of Personal Injury Protection (PIP). Comprehensive coverage generally covers damage to your vehicle caused by incidents other than collisions, liability coverage covers damages you may have caused to another person's property or vehicle, and collision coverage covers damages to your vehicle caused by collisions with another vehicle or object. However, none of these options are considered PIP coverage according to FL law.

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