★ Minimum Vehicle Insurance Coverage, No-Fault Law -Traffic School, TLSAE Test Answers

Question: Which of the following is the correct minimum coverage that you must have for Bodily Injury Liability for two or more persons?
  $5,000
  $10,000
  $20,000
  $15,000

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$20,000

HINT: $10,000 Bodily Injury Liability (BIL) (to one person).
$20,000 Bodily Injury Liability (to two or more persons).

Question: You are required to have the following minimum insurance coverage at all times while operating a motor vehicle in Florida. This coverage is _______.
A. $10,000 Bodily Injury Liability (to one person)
B. $20,000 Bodily Injury Liability (to two or more persons)
C. $10,000 Property Damage Liability
D. $30,000 Combined Single Limits
E. all of the above.

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all of the above.

Question: Which of the following is the correct minimum coverage that you must have for Property Damage Liability?
  $2,500
  $5,000
  $10,000
  $7,500

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$10,000

Question: True or False: The Florida No-Fault law requires anyone who owns or registers a motor vehicle in Florida have minimum insurance coverage of $10,000 Personal Injury and $10,000 of Property Damage Liability.
A. TRUE
B. FALSE

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TRUE

Question: True or False: You must have $10,000 Bodily Injury Liability if you are in a collision and are at fault.
A. TRUE
B. FALSE

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TRUE

Question: Anytime you renew your car insurance, fail to renew it, cancel it, or the insurance company cancels it, the insurance company must notify:
A. Your county Sheriff
B. The Florida Highway Patrol
C. The Department of Highway Safety and Motor Vehicles
D. The State of Florida Department of Highways and Transportation

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The Department of Highway Safety and Motor Vehicles (DHSMV)

Question: True or False: You cannot buy a license plate and registration for a car, or other four-wheel vehicle, without having liability No-Fault coverage issued in Florida.
A. TRUE
B. FALSE

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TRUE

Question: True or False: Under the Financial Responsibility Law, you are required to have insurance on any motor vehicle you own or drive, except motorcycles.
A. TRUE
B. FALSE

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FALSE
HINT: Under this law, to protect yourself and others, you should have liability insurance on any motor vehicle you own or drive, including motorcycles.

Question: True or False: Unlike four-wheel motor vehicles, under certain circumstances, insurance is not required to register motorcycles.
A. TRUE
B. FALSE

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FALSE

Question: In Florida, when would you be required to have bodily injury liability insurance?
A. A crash where you collide light post
B. A crash where you collide with a wild animal
C. A crash where your vehicle receives more than $200 in damages
D. A crash where your vehicle has caused damage to the property of others

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A crash where your vehicle has caused damage to the property of others

Question: You are required to have insurance when you are ______.
A. in a crash for which you are at fault
B. suspended for points
C. both
D. neither

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neither

Question: True or False: In Florida, No-Fault insurance is optional for owners of a vehicle.
A. TRUE
B. FALSE

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FALSE

EXPLANATION: No-Fault insurance is mandatory in Florida.

Question: The No-Fault Law requires minimum insurance coverage of:
A.) $10,000 Personal Injury Protection and $10,000 Property Damage Liability
B.) $20,000 Personal Injury Protection and $20,000 Property Damage Liability
C.) No insurance

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$10,000 Personal Injury Protection and $10,000 Property Damage Liability

Question: True or False: Florida is a No-Fault Law state.
A.) TRUE
B.) FALSE

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TRUE

Question: The two motor vehicle insurance laws in Florida are the Financial Responsibility Law and the ________________________.
A.) Safety Law
B.) Good Driver Law
C.) Insurance Law
D.) No-Fault Law

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No-Fault Law

Question: The No-Fault Law requires __________
A.) no insurance.
B.) owners who are at fault in a collision to have insurance coverage.
C.) owners of a vehicle to purchase an insurance policy issued in the state of Florida.

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owners who are at fault in a collision to have insurance coverage.

Question: In Florida No Fault Insurance is?
A.) Mandatory for all drivers
B.) mandatory for only cars valued over $5,000.
C.) only mandatory for drivers over the age of 21
D.) optional for all drivers

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Mandatory for all drivers