WorksheetsInsurance Policies and Coverage Quiz
Total questions: 20
Worksheet time: 10mins
What is covered under Other Than Collision (Comprehensive) coverage?
Damage from hitting another vehicle
Damage from theft, fire, vandalism, and falling objects
Damage from a collision with another car
Damage from a collision with a guardrail
What is the purpose of Underinsured Motorist (UIM) coverage?
To cover the insured's vehicle damage
To cover the insured's property damage
To pay the difference when the at-fault driver's liability limits are too low
To cover the insured's medical expenses
What does Medical Payments (MedPay) coverage reimburse?
Only the passengers' medical expenses
Medical and funeral expenses for the insured and passengers, regardless of fault
Only the insured's funeral expenses
Only the insured's medical expenses
What is the coverage period for Newly Acquired Autos?
7 days
60 days
30 days
14 days
What does Commercial General Liability insurance cover under Premises and Operations?
Liability from accidents at the customer's premises
Liability from accidents during transportation
Liability from accidents in foreign countries
Liability from accidents at the insured's premises
Which type of coverage protects against claims for bodily injury or property damage caused by products sold?
Products and Completed Operations
Premises and Operations
Medical Payments
Personal Injury and Advertising Injury
What does Uninsured Motorist (UM) coverage provide?
Coverage when the at-fault driver has no liability insurance
Coverage when the insured is at fault
Coverage for the insured's vehicle damage
Coverage for the insured's property damage
What does Bodily Injury Liability cover in automotive insurance?
The at-fault driver's medical bills
The at-fault driver's legal fees
The at-fault driver's legal obligation for medical bills of others
The at-fault driver's vehicle repair costs
What does Damage to Property of Others cover?
Damage to third-party property owned by the insured
Damage to the insured's vehicle
Physical damage to property of third parties not owned by the insured
Damage to the insured's property
What is the Per Occurrence Limit in an insurance policy?
The minimum paid for any single accident or claim
The maximum paid for legal expenses
The maximum paid for any single accident or claim
The maximum paid for all claims in a year
What is covered under Coverage A: Bodily Injury and Property Damage Liability?
Third-party bodily injury and property damage
Non-physical harms like libel and slander
Medical expenses for non-employees
Legal expenses in addition to policy limits
What does Collision coverage pay for?
Damage from animal strikes
Damage from natural disasters
Damage from theft or vandalism
Damage from hitting another vehicle or object
What authority does the First Named Insured have?
To only file claims
To only negotiate premium adjustments
To only receive notices
To change coverage and pay premiums
What does Transportation Expense & Rental Reimbursement cover?
Damage to the insured's vehicle
Legal expenses in addition to policy limits
Medical expenses for passengers
Rental car costs if your car is stolen or under repair for a covered loss
What are Non-Owned Autos in auto insurance?
Vehicles you rent or hire for business use
Vehicles you don't own but drive occasionally
Loaner cars you use while your insured auto is in for repairs
Vehicles you list on the policy
Who is considered an insured under a personal auto policy?
Only the named insured
Only the named insured and their family members
Named insured, resident spouse, family members, and permissive drivers
Only the named insured and their spouse
Who is typically included as an insured under a Commercial General Liability policy?
Only family members of the named insured
Only volunteers
Named insured and their employees acting within scope of employment
Only the named insured
What does Coverage C: Medical Payments cover?
Medical expenses for employees
Medical expenses for non-employees injured on the insured's premises
Medical expenses for family members
Medical expenses for volunteers
What does Property Damage Liability pay for?
Repair or replacement of the insured's home
Repair or replacement of the insured's property
Repair or replacement of others' property when the insured is at fault
Repair or replacement of the insured's vehicle
Which coverage includes protection against libel and slander?
Coverage A: Bodily Injury and Property Damage
Supplemental Payments
Coverage C: Medical Payments
Coverage B: Personal Injury and Advertising Injury
