Car Insurance Types Quizizz

What is the primary purpose of liability coverage in auto insurance?

• To protect against theft and natural disasters

• To cover your vehicle's damages in an accident

• To cover medical expenses for you and your passengers

• To pay for the bodily injuries and property damage you cause to others

Why is liability insurance required by almost every state?

• To ensure all drivers can cover their own injuries

• To cover your own car damages regardless of fault

• To protect drivers from natural disasters

• To cover damages and injuries you cause to others

Collision coverage is designed to pay for damages to your car under what circumstances?

• When your car suffers from weather-related damages

• Only when the other driver is at fault

• When you collide with another object, regardless of fault

• When the damage is due to theft or vandalism

What type of coverage is essential for damages from non-collision events like theft or fire?

• Liability coverage

• Uninsured motorist coverage

• Collision coverage

• Comprehensive coverage

What does personal injury protection (PIP) insurance cover?

• Injuries to the other driver

• Damage to your vehicle

• Theft and vandalism

• Your injuries, regardless of who is at fault

What is the main benefit of uninsured motorist coverage?

• It is required in all states

• It covers all types of vehicle damage

• It covers vehicle theft

• It pays for damages when the at-fault driver has insufficient insurance

Underinsured motorist coverage is important for what reason?

• It covers theft and vandalism exclusively

• It is mandatory in every state

• It provides protection when the other driver's insurance is not enough

• It covers your vehicle for all types of accidents

Richard's auto insurance policy expired on 5/15/2002.  Richard was upset with his insurance agent and decided to change insurance companies.  At 10:00 a.m. on 5/16/2002, as he drove to a different agent to buy a new policy, he had an accident.  Who is liable for damage to his car and his personal injuries?

• The old agent
• The new agent
• Richard
• The old agent is liable for damage to your car and the new agent for personal injuries

Insurance coverage that would cover claims unrelated to an accident (you hit a deer, bad weather damages your car, your car is stolen, etc)?

• Liability

• Comprehensive

• Collision

• Uninsured motorist