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!

Each practice test/flash card set has 50 randomly selected questions from a bank of over 500. You'll get a new set of questions each time!

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What reduces the insured's damages by the degree of negligence?

Proportional Damages
Comparative Negligence
Subrogation
Indemnity

The correct answer is: Comparative Negligence

Comparative negligence is a legal principle that reduces the amount of damages owed to an injured party based on the degree of negligence of both parties involved. In this case, the insurance company may reduce their payout to the insured based on how much the insured contributed to their own damages through their own negligence. Proportional damages, subrogation, and indemnity are not related to the concept of reducing damages based on negligence and therefore are incorrect options. Proportional damages refers to the distribution of damages among multiple parties, subrogation is the process by which an insurance company recovers costs from a third party who is responsible for the damages, and indemnity is a form of compensation for damages or loss. Therefore, B is the most accurate and relevant choice to the question.