WorksheetsUNIT 9 QUIZ : Part 2
Total questions: 30
Worksheet time: 15mins
What is a car insurance claim?
A report to the police after a car accident
A request for financial compensation filed with an insurance company after vehicle damage or injury
A legal case against a driver who caused an accident
A warranty service request for a vehicle
How much do auto insurance claims raise premiums on average?
5% to 10%
12% to 45%
20% to 30%
50% to 60%
Which factor does not determine when to file a car insurance claim?
The extent of the injuries or physical damage
The cause of the injuries or physical damage
The color of the damaged vehicle
The insurance company with which to file a claim
What is the first step to take when filing a car insurance claim?
File a police report
Contact your insurance company
Take the car to a repair shop
Call a lawyer
What should you take notes of and write down when contacting your insurance company after an accident?
The claim number and contact details of the person you talk to
The weather conditions
The number of people who saw the accident
The color of the other car involved
If you did not get a police report at the scene of the accident, what is recommended that you do?
Wait for the insurance company to handle it
Ignore the need for a police report
Go to a local police station to file a report
Post about the accident on social media
What is the role of an insurance adjuster in the claim process?
To provide legal advice to the claimant
To authorize a final payment and offer a release
To assign an attorney for the claimant
To record the conversation about the accident
What should you provide to the insurance adjuster after an accident?
Speculations about who was at fault
Photographs from the scene and witness contact information
A request for immediate payment
An estimate of the repair costs
Before which step might you want to contact an attorney when filing a personal injury claim?
After receiving the final payment
Before getting a report from the insurance adjuster
After the adjuster inspects the damage to your vehicle
Before providing photographs to the adjuster
What will the insurance adjuster provide after considering the facts of the incident?
A new insurance policy
A list of authorized repair shops
An initial estimate of the cost of repairs
A recording of the conversation about the accident
What action is taken by the claimant when accepting payment from the insurance adjuster?
Signing a release accepting the offer as payment in full for the claim
Providing a counteroffer to the insurance adjuster
Requesting a detailed report of the incident
Giving a verbal agreement over the phone
When should you file a car insurance claim according to the information provided?
Only when the damage to your car is more than your deductible
When your car needs to be repaired or replaced after sustaining damage, or when you've been injured in an accident
Only when the car accident is not your fault
When you have a collision policy, regardless of the situation
What type of insurance should you claim when the damage is caused by something other than a collision?
Liability Insurance
Collision Insurance
Comprehensive Insurance
Uninsured Motorist Insurance
Which insurance policy should you file a claim with when an accident is the other driver's fault?
Your own collision policy
The other driver's liability policy
Your own comprehensive insurance
Uninsured Motorist Insurance
Under which circumstance do you not need to file an auto insurance claim?
When the damage to your car is less than your deductible and no one else was involved
When you have been injured in an accident
When the accident is your fault
When the accident involves another vehicle
What should you do if fault is unclear after a collision?
File a claim with your comprehensive insurance only
File a claim with the other driver's liability policy only
File a claim with both your collision policy and the other driver's liability policy
Do not file a claim until fault is determined
Under which types of coverage can you file injury claims with your insurance company?
Collision and Comprehensive Insurance
Personal Injury Protection (PIP) or MedPay Insurance
Liability and Uninsured Motorist Coverage
Gap and Rental Reimbursement Insurance
What determines the responsibility for covering the damage in a car accident?
The state's negligence laws
The at-fault driver's insurance company
The type of vehicles involved in the accident
The weather conditions at the time of the accident
What should you not do before the insurance adjuster inspects your car for damages?
Choose your own repair shop
Fix anything
Take the insurance company’s recommendations
Report the accident to the insurance company
What should you do if you have serious injuries caused by another driver?
Contact your insurance company only
Pay all medical bills yourself
Contact an attorney to represent you in a bodily injury claim
Ignore the injuries and do not file a claim
By what percentage can filing a claim increase car insurance premiums on average?
3% to 32%
10% to 50%
5% to 25%
15% to 40%
What factors can affect how much your car insurance rate goes up after an accident?
Claim type and amount
Insurance company and claims history
Your location and whether you have accident forgiveness
All of the above
How do car insurance companies typically pay out claims?
By sending a check or transferring the payment to your bank account
By providing cash payments only
By offering credit towards future insurance payments
By discounting your premiums for the next payment cycle
How long does it typically take for an auto insurer to pay out a claim?
About 15 days
About 30 days
About 45 days
About 60 days
How does fault affect car insurance claims in most states?
The at-fault driver's insurance does not cover any expenses.
The at-fault driver's liability insurance covers their own expenses only.
The at-fault driver's liability insurance covers everyone else's medical bills and vehicle repairs.
No-fault insurance states require the at-fault driver to cover everyone's expenses.
What is required of drivers in no-fault states after an accident?
The at-fault driver's insurance covers everyone's medical expenses.
Each driver must cover their own medical expenses.
The at-fault driver must cover all vehicle repairs for both parties.
No insurance coverage is required for any party involved.
What are the most common types of car insurance claims?
Accident claims, theft-and-vandalism claims, animal-damage claims, weather-related claims
Accident claims, theft-and-vandalism claims, personal injury claims, uninsured motorist claims
Accident claims, windshield-damage claims, life insurance claims, property damage claims
Accident claims, theft-and-vandalism claims, health insurance claims, travel insurance claims
Do you have to file a claim after an accident?
Yes, you always have to file a claim after an accident
No, reporting an accident does not automatically mean that you are going to file a claim
Yes, but only if the accident involves another vehicle
No, you should never file a claim after an accident to avoid higher premiums
Should you file an insurance claim for bumper damage?
Yes, if the cost of repairs is significantly higher than your deductible
No, you should never file a claim for bumper damage
Yes, but only if the bumper damage is caused by weather-related incidents
No, you should only file a claim if the bumper damage affects the engine
When should you file a claim with the other driver's auto insurance company according to the information provided?
If you are at fault for the accident and have collision coverage.
If you are not at fault for the accident and have standard liability insurance but no collision coverage.
If you are at fault and do not have any auto insurance.
If you are not at fault and the other driver does not have insurance.
