Florida Property & Casualty Insurance License Exam — All Questions
3 questions
Florida is a no-fault auto state. What first-party coverage must every registered-vehicle owner carry, and in what minimum amount?
- a.Personal injury protection (PIP), at least $10,000✓
- b.Bodily injury liability, at least $25,000
- c.Uninsured motorist, at least $50,000
- d.Collision, at least $10,000
Florida's no-fault system requires personal injury protection (PIP) of at least 10,000 dollars, which pays the insured's own medical and related expenses regardless of fault. This is verified via Florida auto insurance guidance.
In addition to PIP, Florida requires which minimum liability coverage for registered vehicles?
- a.Bodily injury liability of $25,000
- b.Property damage liability (PDL) of at least $10,000✓
- c.Comprehensive coverage of $10,000
- d.No additional coverage is required
Florida's baseline minimum is PIP of 10,000 dollars plus property damage liability (PDL) of at least 10,000 dollars. PDL pays for damage the insured causes to others' property.
Compared with most states, a distinctive feature of Florida's basic auto minimum is that:
- a.It requires the highest bodily injury limits in the nation
- b.It requires no property damage coverage
- c.It does not force every driver to buy bodily injury liability up front as part of the basic minimum✓
- d.It bans all liability coverage
Florida's basic requirement is PIP plus PDL; bodily injury liability is not part of the basic up-front minimum for every driver and may become required only after certain events under the financial responsibility law. This is unusual among the states.