Insurance Basics

Which of the following is NOT a type of auto insurance coverage?

• Liability Coverage

• Collision Coverage

• Health Coverage

• Comprehensive Coverage

What does liability coverage in auto insurance typically cover?

• Damage to your own vehicle

• Injuries to the driver of your vehicle

• Damage and injuries you cause to others

• Theft of your vehicle

Which factor is most likely to increase your auto insurance premium?

• Having a clean driving record

• Living in a rural area

• Driving a high-performance sports car

• Being over 25 years old

What is a deductible in the context of auto insurance?

• The amount your insurance company pays before you pay anything

• The amount you pay out of pocket before your insurance covers the rest

• A discount on your insurance premium

• The total cost of your insurance policy

Which type of auto insurance coverage is typically required by law?

• Collision Coverage

• Liability Coverage

• Comprehensive Coverage

• Uninsured Motorist Coverage

What does comprehensive coverage in auto insurance typically cover?

• Damage from a collision with another vehicle

• Damage from natural disasters, theft, or vandalism

• Medical expenses for injuries you cause to others

• Legal fees from lawsuits

Which of the following is NOT a factor that affects auto insurance premiums?

• Your credit score

• Your favorite color

• Your driving history

• Your age

What is the primary purpose of uninsured motorist coverage?

• To cover damages to your car from a collision

• To cover medical expenses for injuries you cause to others

• To protect you if you're in an accident with an uninsured driver

• To pay for routine maintenance on your vehicle

If you choose a higher deductible, what is the trade-off?

• Higher monthly premiums

• Lower monthly premiums

• More coverage options

• Faster claim processing

Which type of insurance is most likely to cover flood damage to your car?

• Liability Coverage

• Collision Coverage

• Comprehensive Coverage

• Personal Injury Protection