Florida Claims Adjuster (6-20) Practice Test

In Florida, establishing financial responsibility after an accident involves two key steps. First, any legally valid claims from others must be paid or settled up to your policy’s liability limits (for many policies in the state, that can be up to 10/20/10). Second, you must provide proof of ongoing financial responsibility for future incidents by filing a certificate of financial responsibility (FR-44) with the state. This FR-44 shows you have sufficient liability coverage going forward, which helps you maintain driving privileges after an accident.

The other choices aren’t correct because they imply insurer coverage is unlimited or automatic, or require police reports or court orders, or suggest automatic policy cancellation simply due to a claim. The two actions described above accurately reflect how Florida handles financial responsibility after an accident.