Florida Insurance Claims Adjuster License Practice Exam

Which CGL policy covers an injury from 8-1-03 filed in 2005?

1. 1-1-03 policy

2. 1-1-04 policy

3. No coverage

4. 1-1-05 policy

The correct answer is: 1-1-03 policy

A 1-1-03 policy would provide coverage for an injury that occurred on 8-1-03 and was filed in 2005. This is because the effective date of the policy is before the date of the injury, but still within the timeframe for filing the claim. Choosing B would not provide coverage since the injury occurred after the effective date of the policy. Choosing C would also not provide coverage as there is no policy in place for the specific date of the injury. Finally, choosing D would not provide coverage as the effective date of the policy is after the date of the injury.