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!

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When is the named insured NOT entitled to PIP benefits?

Injured in Florida while a pedestrian struck by a defined motor vehicle
Injured outside of Florida in their own insured Florida vehicle
Injured outside of Florida while a pedestrian struck by a defined motor vehicle
Injured in Florida in a borrowed defined motor vehicle

The correct answer is: Injured outside of Florida while a pedestrian struck by a defined motor vehicle

The named insured is entitled to PIP (personal injury protection) benefits when they are injured in an accident involving a defined motor vehicle in Florida, regardless of whether they are a pedestrian or a driver/passenger in the vehicle. Options A, B, and D all describe scenarios in which the named insured would be entitled to PIP benefits. However, Option C is the only scenario in which the named insured would not be entitled to benefits. In this scenario, the named insured is injured while a pedestrian, but the accident occurs outside of Florida. Since PIP benefits only apply to accidents within Florida, the named insured would not be entitled to benefits in this situation. It is important to note that PIP benefits only apply to accidents within the state of Florida.