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!

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When searching for insurance solutions to pay for personal injuries from an auto accident in Florida, what is the correct order of payment in most cases?

PIP, Uninsured Motorist, Med Pay, Liability
Med Pay, Uninsured Motorist, PIP, Liability
PIP, Med Pay, Liability, Uninsured Motorist
Liability, PIP, Med Pay, Uninsured Motorist

The correct answer is: PIP, Med Pay, Liability, Uninsured Motorist

In most cases, the correct order of payment for personal injury coverage in an auto accident in Florida would be PIP, Med Pay, Liability, and then Uninsured Motorist. This is because Florida is a no-fault state, which means that individuals involved in an auto accident must first seek compensation from their own insurance company through Personal Injury Protection (PIP) coverage. The second option for coverage would be Med Pay, which is optional but can provide additional coverage for medical expenses. Liability coverage would then come into play if the at-fault driver does not have enough insurance to cover all expenses. Lastly, Uninsured Motorist coverage would only be utilized if the at-fault driver does not have any insurance. The other options listed in the choices are incorrect because they do not follow the correct order of payment and could potentially lead to individuals not receiving the proper coverage for their personal injuries.