Florida Insurance Licensing Practice Exam

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Prepare for the Florida Insurance Licensing Exam using comprehensive questions and in-depth explanations. Perfect your understanding of essential insurance concepts and ensure your success!

Each practice test/flash card set has 50 randomly selected questions from a bank of over 500. You'll get a new set of questions each time!

Practice this question and more.

An insured has $100 deductible Other Than Collision, and $250 deductible Collision. If a rock breaks his windshield and repairs total $675, how much will be paid?

Payment only will be made if he is not at-fault
$425, under Collision with a $250 deductible
$575, under Other Than Collision, with a $100 deductible
$675, under Other Than Collision, with no deductible

The correct answer is: $675, under Other Than Collision, with no deductible

The $100 deductible for Other Than Collision will apply in this scenario because it involves a broken windshield. The $250 deductible for Collision would only apply if the damage was caused by a collision with another vehicle or object. Choice A is incorrect because payment would still be made even if the insured is at-fault. Choice B is incorrect because the $425 amount does not take into account the $100 deductible for Other Than Collision. Choice C is incorrect because the $575 amount does not take into account the $250 deductible for Collision.