Ace the Florida Insurance Claims Adjuster Test 2026 – Jumpstart Your Adjusting Adventure!

If Sam is not insured for personal injury protection (PIP) and borrows Fred's car, Sam would still be responsible for any damages they cause. However, since Sam does not have PIP, they would not be able to use it to cover their medical bills if they caused an at-fault accident. Therefore, the correct answer is C. Option A is incorrect because Tort Exemption refers to the ability to avoid being sued in case of an accident, which is not relevant in this scenario since Betty is already injured. Option B is incorrect because Betty cannot sue Sam and Fred for the full $5,000, she can only ask for compensation for her medical bills. Option D is incorrect because Sam does not have PIP, they cannot recover any damages from Fred's insurance.