Chapter 2- Personal Automobile Coverages (PAP)

Question 1

All of the following are considered owners of a defined motor vehicle, except:

a) Someone holding the legal title
b) A debtor in possession of a vehicle
c) An individual leasing an automobile for four months
d) Lease with an option to purchase

Answer 1

c) An individual leasing an automobile for four months

Question 2

Which of the following must comply with the No-Fault law?

a) City Bus
b) Semi Tractor-Trailer
c) Taxicab
d) Limo

Answer 2

b) Semi Tractor-Trailer

Question 3

If all of the following coverages apply in a claim, in what order would the coverages be payable?

a) Personal Injury Protection and Medical Payments
b) Workers’ Compensation, Medical Payments, Personal Injury Protection
c) Personal Injury Protection, Workers’ Compensation, Medical Payments
d) Workers’ Compensation, Personal Injury Protection, Medical Payments

Answer 3

d) Workers’ Compensation, Personal Injury Protection, Medical Payments

Question 4

Aunt Tilly comes to Florida and stays from March 1st until April 15th. She returns home to Atlanta, and comes back again to Florida, staying from November 1st until December 31st. Does she have to comply with the Florida No-Fault law?

Answer 4

Even though Aunt Tilly was in Florida for more than 90 days, the No-Fault law does not come into play unless her vehicle is registered in Florida

Question 5

All of the following are penalties under the No-Fault law except:

a) Paying a fine to the government
b) Requirement to pay the benefits of a passenger up to the PIP maximum, when the passenger was eligible
c) Denied immunity from the legal liability system
d) Driver license and tags for the vehicle will be suspended

Answer 5

a) Paying a fine to the government

Question 6

Under Florida law, what are the benefits payable for medical expenses?

a) 40%
b) 60%
c) 80%
d) 100%

Answer 6

c) 80%