Insurance & Law Quiz

1.  What automobile insurance coverage is mandatory in Florida?

a.  BI (Bodily Injury) liability
b.  PIP (Personal Injury Protection) & Property Damage only
c.  PIP (Personal Injury Protection) No Fault coverage only
d.  none of the above


2.  How many times is God mentioned in the U.S. Constitution?

a.  God isn't referred to by name, but there is a reference to the "Creator."
b.  Only once - as part of the phrase "under God."
c.  None
d.  There are numerous references to God in the Constitution.


3.  What does "full coverage" mean in auto insurance?

a.  Coverage limited only by the value of the loss.
b.  The maximum amount of coverage in each category including towing and
      rental reimbursement.
c.  There is no precise definition of "full coverage", but the term is usually
     used to denote some coverage in each of the major categories: PIP,
     Property Damage liability, Bodily Injury liability and Uninsured Motorists
     Coverage.
d.  none of the above


4.  Is adultery a crime in Florida?

a.  Yes - but it has to be an open state of adultery
b.  No - adultery is  moral issue  and not a crime
c.  Adultery is always a crime, but it is seldom enforced.
d.  Only if the parties are under 18


5.  What does your Personal Injury Protection (PIP) coverage provide?

a.  Payment of medical bills and lost wages to anybody in an accident
     with your car.
b.  Payment of medical bills and lost wages to the insured even in someone
     else's car as long as the accident happened in Florida.
c.  Auto repairs up to $10,000.00
d.  Payment of medical bills and lost wages to anybody in your car in an
     accident even if they have their own car.


6.  What is the status of common law marriage in Florida?

a.  Courts will recognize it, but there is a high standard of proof such as,
     living together for many years and the parties holding themselves out
     as husband and wife.
b.  There is no common law marriage in Florida, but courts will recognize
     a common law marriage from another state.
c.  Common law marriages have been abolished in Florida by statute and
     none are recognized even if valid in another state.
d.  none of the above


7.  Does "no fault" divorce mean adultery doesn't matter?

a.  Adultery is not necessary for the granting of a divorce but it can be
     considered in the award of alimony.
b.  The concept of "no fault" means adultery doesn't matter at all.
c.  Adultery is no longer a crime and is, therefore, not relevant.
d.  Only if the adultery is open and notorious.


8.  Is it possible to have a workers comp and bodily injury liability
     claim at the same time?

a.  No.  Once comp is elected all other remedies are foreclosed.
b.  Yes.  But the employer has to be negligent as well as covered by comp
c.  Yes.  However, with rare exceptions, the employer is immune from
     negligence suits, so the claim will have to be made against a negligent
     third party.
d.  Yes.  A bodily injury claim for negligence can be made, but the claim is
     owned by the workers comp carrier.


9.  When can an employee be fired in the state of Florida?

a.  All Florida employees can be fired at any time, for any reason.
b.  The only impediments to firing employees in Florida are contracts,
     anti-discrimination laws and certain anti-retaliation statutes.
c.  Florida's right-to-work law provides protection against firing -- the
     conduct of the employee must impact productivity.
d.  After a 90-day probation period a Florida employee can be fired only
     with good cause.


10. Which of the following is not in the Florida Constitution?

a.  Right to work.
b.  Confinement of pregnant pigs.
c.  No fewer than six jurors.
d.  Free pre-school for four-year-olds
e.  All of the above are in the Florida Constitution


11. Can you adopt an adult in Florida?

a.  Yes - so long as the adopting parent is not a homosexual.
b.  No.
c.  Only if the person being adopted is totally and permanently disabled.
d.  Only if the parents of the person to be adopted consent.


12. Under what circumstances would one not need Uninsured
      Motorists coverage?

a.  When the insured has good health coverage.
b.  When the insured has high bodily injury limits.
c.  When the insured has sufficient assets.
d.  Never.  Uninsured Motorist coverage is important for all motorists.


13. What do you know about rear-end auto accidents?

a. Since we should always leave enough space between cars to stop
    safely, the car that rear-ends another car is always at fault.
b. The rules of negligence do not change depending on the direction of
    your car.  Each case is judged on its merits according to the prudent
    person rule.
c. There is a presumption that a motorist who rear-ends another is at fault.
    That presumption can be rebutted by a sudden, unexpected stop by
     the car in front.
d.  A rear-ender is usually caused by a car stopping too fast.


14. President George W. Bush announced that he would never appoint
      an atheist to the Supreme Court.  Which statement best describes
      his position?

a.  No problem.  The First Amendment keeps the government from
     preferring one religion over the other but does not mandate protection
     for atheism.
b.  Another Bush foul-up.  The Bush statement violates at least the spirit of
     Article VI of the U.S. Constitution which says that no religious test shall
     ever be required as a qualification to any office or public trust under
     the United States.
c.  President Bush has the right idea as can be proven by the high moral
     standards set by his administration.
d.  Bush is right.  Besides, atheists can not hold office if they are willing to
     swear on a Bible as is required by the constitution.


15. When were women given the right to vote?

a.  Amendment XIX gave women the right to vote in 1920.
b.  Amendment IV civil rights amendment gave women the right to vote in
     1868.  This was one of the "Civil War Reconstruction Amendments"
     numbered XIII, XIV and XV that ended slavery and gave former slaves
     the right to vote.
c.  Our constitution gives the right to vote to "the people" but the issue
     qualification for voting is left to the states which allowed woman
     suffrage at different times.  For example, Texas did not allow women
     to vote until 1944.
d.  Amendment XIV gave women the right to vote in 1947.


16. What is your legal status if someone falls on your property?

a.  You are liable if you have insurance.
b.  You are not liable unless the person was invited.
c.  You are liable to people who you could anticipate being on your
     property if you fail to exercise an ordinary level of care.
d.  It depends on whether you own or rent.  Only the owner is liable.


17. Consider the following:

      A middle-aged man walks into a bar on Panama City Beach.  The man
      has lots of drinks.  The bartender has never seen him before, but even
      so, it is obvious that the man is quite drunk.  The man gets his keys
      out of his pocket and waves them at the bartender who served him
      all the drinks.  Although the patron's words are slurred, the bartender
      hears him say, "Now I'll see if I can make it home."  Once out of the bar
      and in his car, the bar patron crosses the highway centerline and
      kills himself and two innocent people in another car.

      Question: What is the liability of the bartender?

a.  There could be liability.  Since it is foreseeable that the drunken patron
     would cause harm, the bartender has a duty to take reasonable
     measures to prevent the patron from driving.
b.  The bar is liable for the actions of patrons they know or should know
     are intoxicated.
c.  The only possible liability is on the drunk driver.  We do not have a 
     duty to rescue strangers.
d.  No liability in this case.  There is a law in Florida called "The Dram Shop
     Act" that immunizes the bar and its employees unless they know the
     patron is under age or a habitual drunk.


18. Who are the two United States Senators from Florida?

a.  Bill Nelson & Bob Graham
b.  Bob Martinez & Joe Fishbine
c.  George LeMieux & Bill Nelson
d.  Bill Nelson & Mel Martinez


19. True or False:  We are all innocent until proven guilty.


20. True or False:  We have a right to a trial by a jury of our peers.


21. Florida's Wrongful Death Act strictly prescibes the persons who can
      recover and the types of losses that can be claimed where death
      has resulted from negligence.  There is an exception for medical
      negligence that often limits claims to funeral bills and certain
      unpaid medical bills.  Which estates are limited by this exception?

a.  Catholic priests who have no spouse or children and have sworn to a
      life of poverty.
b.  Any totally disabled person over 25 years old.
c.  An unmarried retired person with no children.
d.  All of the above.