A Florida agent includes a supplemental accident coverage in an application without the applicant's request, tells her it is 'part of the plan,' and charges premium for it. What is this practice called under Florida law?

Why C is correct

Under Chapter 626, Florida Statutes, 'sliding' occurs when a producer tells an applicant that a charge or coverage is required by law or is part of the base policy, or includes a charge or coverage without the applicant's informed consent, so the applicant unknowingly pays for something not requested. The Department of Financial Services treats sliding as an unfair trade practice and disciplines licensees for it. The remedy is informed consent: the applicant must knowingly and voluntarily elect every charge and coverage.

Why the other options are wrong

• A) Twisting involves inducing replacement or lapse of existing coverage through misrepresentation, not sneaking in unrequested charges.
• B) Rebating is offering something of value not in the contract as an inducement to buy; sliding is charging for unrequested coverage.
• D) Coercion involves force or threat used to compel insurance transactions, not undisclosed added coverage.

Memory hook

Sliding: the charge that 'slides' in uninvited.