Florida Insurance Claims Adjuster License Practice Exam

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Prepare for the Florida Insurance Claims Adjuster Test. Access multiple choice questions, flashcards, and detailed explanations to enhance your knowledge and confidence. Start mastering the material today!

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Is a reoccurrence of an injury from a slip and fall covered under CGL Medical Payments if it flares up two years later?

A. Yes, expenses are covered because of proximate cause.
B. No, slip and falls are not covered under Medical Payment coverage
C. Yes, expenses are covered within three years of the injury.
D. No, expenses are covered within one year of the injury.

The correct answer is: D. No, expenses are covered within one year of the injury.

If an injury from a slip and fall flares up two years later, it would not be covered under CGL Medical Payments because expenses are only covered within one year of the injury. Option A is incorrect because while proximate cause is a factor in determining coverage, it does not extend the timeframe for when expenses can be covered. Option B is incorrect because while slip and falls are not normally covered under CGL Medical Payments, there is a possibility that they may be covered if expenses are incurred within one year of the injury. Option C is also incorrect as it states a timeframe of three years, which is longer than the one year limit for coverage on medical expenses related to an injury. Therefore, the most accurate answer is D, which states the one year limit for coverage on medical expenses in relation to an injury from a slip and fall.