UNHS Career Planning- Self Check 11

Part A: Multiple-Choice

Select the response that best completes the statement or answers the question.

1. What percentage of auto accidents involves drivers under the age of twenty-five?

• a. 13

• b. 40

• c. 27

• d. 33

Part A: Multiple-Choice

Select the response that best completes the statement or answers the question.

2. Insurance protects against three kinds of risks. They include

• a. personal, property, and liability risks.

• b. homeowner’s, life, and auto insurance.

• c. perils, collision, and comprehensive.

• d. keyboarding, word processing, and printing.

Part A: Multiple-Choice

Select the response that best completes the statement or answers the question.

3. Which individuals are most in need of disability coverage?

• a. people who receive paid sick leave

• b. people whose injury is covered by workers compensation

• c. people who receive Social Security

• d. people who rely on the income they receive from working for their living expenses

Part A: Multiple-Choice

Select the response that best completes the statement or answers the question.

4. A peril that is not covered by a basic homeowner’s insurance policy is

• a. vandalism.

• b. frozen pipes.

• c. earthquakes.

• d. explosions.

Part A: Multiple-Choice

Select the response that best completes the statement or answers the question.

5. An advantage to term life insurance is

• a. it is less expensive.

• b. that you have both insurance and savings.

• c. the premiums stay the same no matter how old you are.

• d. there are no advantages.

Part A: Multiple-Choice

Select the response that best completes the statement or answers the question.

6. The purpose of renter’s insurance is to cover

• a. damages you may cause to the apartment.

• b. loss or damages to your personal property.

• c. damages that may occur to someone else’s apartment due to your negligence.

• d. medical expenses if someone is injured in your apartment.

Part A: Multiple-Choice

Select the response that best completes the statement or answers the question.

7. What is the main factor in determining whether or not you should purchase collision or comprehensive auto insurance?

• a. How much your auto is worth?

• b. the cost of the insurance

• c. whether or not your state requires it

• d. whether or not your state is a no-fault state

Part A: Multiple-Choice

Select the response that best completes the statement or answers the question.

8. A deductible is

• a. the amount the insured is expected to pay once insurance begins to pay its share.

• b. the amount that the insured pays for medical insurance.

• c. the maximum amount that the insured is required to pay before the insurance company pays 100 percent.

• d. the amount the insured pays before the insurance company pays its portion.

Part A: Multiple-Choice

Select the response that best completes the statement or answers the question.

9. The website HealthCare.gov provides information about

• a. the Affordable Care Act.

• b. COBRA.

• c. where you can buy insurance.

• d. the difference between HMOs and PPOs.

Part A: Multiple-Choice

Select the response that best completes the statement or answers the question.

10. According to your textbook, one study estimates that tired workers account for lost productivity between

• a. $1,000 to $2,000.

• b. $2,500 to $3,100.

• c. $4,100 to $5,800.

• d. $5,500 to 7,000.