3-20 Public Adjuster Exam Prep Course

Elevate your career with our one-of-a-kind 3-20 Public Adjuster Exam Prep Course, designed to help you ace the 3-20 Registered Public Adjuster state exam! Florida Insurance College brings you an exciting opportunity to prepare for your exam from the comfort of your own home. Our unique course is the only one of its kind, meticulously crafted to cover six major testing areas, precisely aligned with the state exam outline:

  1. General Property Insurance Product Knowledge
  2. Property Insurance Policies
  3. Motor Vehicle Physical Damage and Mechanical Breakdown Insurance
  4. Residual Markets
  5. Adjuster Selected Florida Statutes
  6. Florida Laws and Regulations Pertinent to Public Adjusters

Don't miss out on this exceptional chance to boost your exam readiness – enroll today and take a confident step towards becoming a successful Public Adjuster in Florida!

Topics of Instruction

This exam prep course covers 100% of the state exam content. Per Florida regulation, the 3-20 Public Adjuster Exam covers the following material:

  • Contracts in General
  • Property Insurance Concepts
  • Adjusting Practices
  • Property Insurance Policies
  • Motor Vehicle Insurance
  • Residual Markets
  • Conduct of an Adjuster
  • Public Adjuster Ethical Requirements
  • Public Adjuster Florida Laws
  • Public Adjuster Practices & Duties
  • Public Adjuster Contract Requirements
  • Public Adjuster Code of Ethics
  • Dispute Resolution

Select a Package

 

   

  • 3-20 Course
  • Practice Exam The exam simulator mirrors the State Exam by topic percentages; pulls questions randomly from a huge database of questions; provides diagnostic feedback with your results; and provides individual question feedback.

Gold Package

$119

  • 3-20 Course
  • Practice Exam The exam simulator mirrors the State Exam by topic percentages; pulls questions randomly from a huge database of questions; provides diagnostic feedback with your results; and provides individual question feedback.

FLDFS Provider #: 371609
Course Approval #:
Enrollment Length: Unlimited Enrollment (take as little or as long as you need)

Steps to Obtaining a Florida Insurance License

1 - Requirements

For a Florida insurance license, you must:

  • Be a resident of the state of Florida.
  • Be a United States citizen or legal alien.
  • Be at least 18 years of age.
  • Complete an online application for License and submit appropriate fees.
  • Be fingerprinted at one of the Department's fingerprint sites.

2 - Registration

Register for a State Approved Pre-Licensing Course.

Click here to find your course.

3 - Application

The Florida Department of Financial Services (FDFS) Application is an easily understood online form and is very simple to complete.

Click here to apply for your license.

4 - Fingerprints

Fingerprints are required by the Florida Department of Financial Services (FDFS) to ensure that applicants do not have a disqualifying criminal or social services background that would prevent them from being a licensed insurance agent.

Click here to register for fingerprinting.

5 - Exam

Schedule to take your state exam after completing your pre-licensing course. State exams are administered by Pearson Vue, which is the state approved proctor for insurance examinations.

*Note: The 6-20 ACA and the 4-40 RCSR courses do NOT require a state exam.

Click here to schedule your state exam.

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PAUL v. VIRGINIA (1869)

The U.S. Supreme Court decision holding that insurance is not commerce and is therefore not subject to regulation by the federal government.

UNITED STATES v. THE SOUTH-EASTER UNDERWRITER ASSOCIATION (1944)

The Supreme Court ruled that the industry is subject to regulation by the Federal Government in that it IS a business that crosses state lines and is, therefore, subject to FEDERAL antitrust laws. MCCARRAN FERGUSON (1945)

Federal regulation of insurance pushed down to states.

ERISA (1974)

Congress enacted ERISA primarily to establish uniform federal standards to protect private employee pension plans from fraud and mismanagement. ERISA provides detailed standards for vesting, funding, solvency insurance, disclosure and reporting to plan participants, beneficiaries, and the U.S. Department of Labor, nondiscrimination, and administrator fiduciary requirements

ERISA implications for Health Insurance

For health plans, federal law prescribes fewer substantive standards: administrators’ fiduciary standards (to administer the plan in the best interests of beneficiaries) and requirements for plan descriptions to be given to enrollees, reporting to the federal government, and certain minimum standards “continuation” health coverage;

  • group plan guaranteed issue and renewability
  • pre-existing condition exclusion requirements
  • nondiscrimination in premiums and eligibility
  • maternity hospital length-of-stay standards
  • post-mastectomy reconstructive surgery
  • limited mental health “parity”)

PREEMPTION Clause

Several of ERISA’s provisions preempt state law. ERISA’s “preemption clause,” Section 514, makes void all state laws to the extent that they “relate to” employer-sponsored health plans.

SAVINGS Clause

States can regulate the terms and conditions of health insurance, for example, the benefits in an insurance policy or the rules under which the health insurance market must operate.

DEEMER Clause

The “deemer clause,” prohibits states from regulating plans that “self-insure” by bearing the primary insurance risk, even though by bearing risk they appear to be acting like insurance companies. Plans funding coverage through insurance are subject to state insurance regulation, while those that self-insure are completely beyond state jurisdiction.

MULTIPLE-EMPLOYER WELFARE ARRAGEMENTS – MEWAs

  • Two or more employers
  • Requires a Certificate of Authority

Union Plans can be granted exemption from MEWA categorization if created via collective bargaining.
Association Plans are subject to state insurance regulation… (1) they do not represent an employer-employee relationship; and (2) they must be fully insured).

PEO – Professional Employer Organization

PEOs are subject to state regulation: (1) they do not represent an employer-employee relationship; and (2) they must be fully insured).