Unit 3 Test question?

Unit 3 Test question?

by Rachel Breanna Macklin -
Number of replies: 2

Can someone please explain this answer to me? It was my understanding
that Florida is a "No Fault" state. I am finding this course to be a bit misleading...

Thank you in advance.

19

Marks: 1.00
Is No-Fault coverage included in the policy sections of the Personal Auto Policy?
Choose one answer.
A. No, only by adding to the policy as an endorsement. Correct
B. The no fault coverage is only added if required by law Incorrect
C. Yes, no-fault coverage is automatically included in all Florida personal auto policies. Incorrect
D. The no fault coverage is only added if requested by the insured Incorrect
In reply to Rachel Breanna Macklin

Re: Unit 3 Test question?

by Jan Bradburn- -

Rachel,

No-Fault is not included in the "policy" section of the insruance policy.  Since insurance carriers use standardized forms, PIP cannot be listed in the policy section because all states do not have a No-Fault Law. In Florida, No-Fault coverage is shown as the first endorsement on all Florida policies. It is a mandatory endorsement since it is the law in Florida.

Jan

In reply to Jan Bradburn-

Re: Unit 3 Test question?

by Amelia R Holaway -

Thank you. I had the same question and did not agree with the answer, even after reading and trying to find it in the book.  Thanks for asking the question.

 

Amelia