Florida Insurance Claims Adjuster License Practice Exam

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Coverage excludes injury or damage expected or intended by whom?

  1. The victim

  2. A third party

  3. The insured

  4. The insurer

The correct answer is: The insured

This is because "insured" refers to the person or entity who has purchased a policy and is covered by the insurance. Both the victim and the third party could potentially file a claim for injury or damage against the insured, so they are not excluded from coverage. The insurer is the company providing the insurance and would not be excluded from coverage either.

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