Florida all lines adjuster exam Questions 100% (Answered) correct (180 Q & A)

Florida all lines adjuster exam Questions 100% (Answered) correct (180 Q & A)

Liability insurance policies are what kind of contracts {{Correct Ans- third party contracts

Third party contracts do what {{Correct Ans- promise to pay on behalf of the insured all damages

Two forms of legal liability {{Correct Ans- civil and criminal liability

What is a tort {{Correct Ans- A civil wrong

Who is the tortfeasor {{Correct Ans- someone who committed the tort

Joint tortfeasor {{Correct Ans- two or more people who commit a single tort

In civil lawsuit, the tortfeasor is referred to as {{Correct Ans- the defendant

In civil law, the injured person bringing the suit is referred to as {{Correct Ans- the plantiff

How are torts addressed by insurance policies {{Correct Ans- intentional, unintentional or liability without fault

Intentional tort acts are {{Correct Ans- committed with intent, may still be covered if consequences of the action were not intended

What are the 7 intentional torts

{{Correct Ans- 1. Battery

2. Assault

3. False Imprisonment

4. Intentional Infliction of Emotional Distress

5. Trespass to Land

6. Trespass to Chattels

7. Conversion

Unintentional torts are known as {{Correct Ans- negligence

What is negligence {{Correct Ans- failure to use ordinary or reasonable care

Vicarious or imputed negligence is {{Correct Ans- unintentional tort where act is not directly attributable to the insured

Common form of vicarious liability {{Correct Ans- relationship between employer and employee aka pizza delivery guy hitting pedestrian