Auto Insurance

Stuart is in a rush to work because he woke up late. When he is leaving to be on his way to work, he accidentally backs into a parked car on the side of the street. The car has a large dent, and Stuart simply writes his contact information down on a piece of paper, slips it on the windshield, and goes on his way. What type(s) of insurance does Stuart need in order for the other person to get their car repaired? (Choose more than 1 answer)

• Liability

• Comprehensive

• Collision

• Uninsured / Underinsured Motorist Coverage

Sean is on his way to his friends' house. When he gets to an intersection, he gets into the right turn lane, and yields as he is meant to, when he thought it was safe to go, he gets about halfway into the road, and before he knew it, an SUV rounds the corner very quickly, and before Sean knew it, he had been hit. Sean's insurance covers liability, as well as the other driver who hit him. The question is, who's liable?

• Sean

• The Other Driver

• Neither of them

• Both of them

Kim is driving down her neighborhood. Momentarily, she looks away from the road, when before she knew it, a car backs into her leaving their driveway. Kim pulls over, and talks to the driver who hit her. It is discovered that the other driver is uninsured, and this means Kim isn't able to get her car repaired through their insurance. In the future, if this were to occur again, what is the type of insurance Kim should have, in the event another uninsured driver is to hit her?

Hint: More than 1 answer.

• Collision

• Uninsured / Underinsured Motorist Coverage

• Liability

• She doesn't need insurance

Carmen was driving from his workplace, when suddenly, a tree falls in the middle of the road, and Carmen was unable to avoid it, or stop in time. Carmen hits the tree, and is in good condition medically, however his car is damaged. What type of insurance would Carmen need in order to be covered in this event?

• Liability

• Comprehensive

• Collision

• He does not need insurance

Elizabeth was driving to work. On her way to work, she realizes there is black ice on the road. As Elizabeth is taking a turn, she skids off the road, and ends up hitting a pole, making it bend, therefore damaging it. What type of coverage does Elizabeth need in order to be fully covered?

Hint: More than 1 answer.

• Property Liability Coverage

• Comprehensive

• Collision

• She doesn't need insurance

John is on his way to school. He's at an intersection, trying to take a left turn. The traffic light states to yeild on a flashing yellow arrow, which is the state the light is in. When John believed it was safe to go, a car appears out of no where, T-boning John. Who is Liable?

• John

• The other driver

• Both of them

• Neither of them

While driving, Michael comes up to an intersection while it's on a red light. As Michael is stopped, waiting for the light to turn green, a car comes up behind him, unable to brake fast enough, and rear ends Michael, causing his car to launch forward, and hit the car in front of him. Who is liable?

• Michael

• The driver behind Michael

• The Driver in front of Michael

• None of them

Jake is driving above the speed limit, on a major highway. This highway, has a lane that cars can use to get to the other side of the highway, eg: Car is going south, other side is going North, Car needs to cross the North Highway to get to their intersection. A car thought it was safe to cross the highway, and Jake, being too unattentive, does not notice this car in time. While the car is crossing, Jake is unable to slow down quick enough to avoid hitting it, and he T-Bones the vehicle. The other car was meant to yeild to oncoming traffic, however Jake was meant to follow the posted Speed Limit(s).

Who is Liable? Why?

• Jake, because he was not driving the posted speed limit(s)

• The other car, because they were meant to yield to oncoming traffic, and go when it is safe.

• Both of them, because they were both not following regulated road rules.

• Neither of them, because they were both not following regulated road rules.

Jacob was driving home from work. On the way home, Jacob is hit by a speeding driver while he was crossing the highway. The driver who hit Jacob has trashy Insurance (bad coverage), and is only able to afford $25,000 for your medical bills, and is only able to afford $10,000 for your vehicular damages. What types of coverage could Jacob have in order for these damages to be covered?

Hint: More than 1 correct answer

• Uninsured / Underinsured Motorist Coverage

• Medical Payments Coverage

• Collision

• Comprehensive

• Liability

Jenna is driving to school. On her way to school, she is rear ended by a drunk driver. Jenna was driving on the road at the time of being rear ended, and she did not hit anyone else. Given the circumstances of the accident, Who's insurance will go up? Who's Liable?

• Jenna's insurance will go up, however she is not liable.

• Jenna's insurance will go up, and she is liable.

• The drunk drivers' insurance will go up, and he is liable.

• The drunk drivers' insurance will go up, however, he is not liable.

• Neither are liable, and neither will have an increase in insurance costs.