Florida Insurance Claims Adjuster License Practice Exam

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What is a Personal Contract in insurance policies?

Policies that cover injury to individuals.
Policies for personal property only.
Policies that provide life insurance.
Policies cover people who own and operate things, such as automobiles.

The correct answer is: Policies cover people who own and operate things, such as automobiles.

A Personal Contract in insurance policies refers to an insurance policy that covers an individual who owns and operates a specific object, such as an automobile. This means that the coverage extends to the person operating the vehicle, rather than just the vehicle itself. Options A, B, and C are incorrect because they do not accurately define a Personal Contract. Option A only covers injury to individuals, while Option B only covers personal property. Option C involves life insurance, which is a separate type of insurance from Personal Contracts. Option D is the best answer because it specifically mentions the coverage for individuals who own and operate objects.