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How much do you know about Automobile Insurance?

Test your auto insurance knowledge. See if you are ready to negotiate the best auto insurance price and coverage from the nations top companies!

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  1. When would your Collision Coverage Apply?
    1. If you run into another vehicle, damaging the other vehicle but leaving your vehicle untouched.
    2. If you run into another vehicle, damaging your vehicle and the other vehicle.
    3. If another driver runs into you, damaging your vehicle.
    4. If hail damages the hood of your vehicle
  2. What coverage will pay for your vehicle if you get into an accident with another driver, and it is deemed the other driver's fault?
    1. Your Collision coverage
    2. Your Comprehensive Coverage
    3. Your Uninsured Motorist Coverage
    4. Your Liability Coverage
    5. The other person's liability coverage
  3. Who is "an insured" on your auto policy?
    1. All family members living with you
    2. Anyone you give permission to drive your vehicle every once in a while
    3. Your roommate with no blood relation
    4. Family members and anyone you give permission to drive your vehicle
    5. Family members and your roommate
    6. All of the above
  4. In Liability Coverage and/or Uninsured Motorist, if you see $25,000/$50,000/$25,000, what does each number mean?
    1. Bodily Injury Per Accident / Property Damage / Personal Injury Protection
    2. Bodily Injury Per Person / Bodily Injury Per Accident / Property Damage
    3. Property Damage / Bodily Injury per Accident / Bodily Injury Per Person
    4. Personal Injury Protection / Bodily Injury Per Accident / Property Damage
  5. What is the main difference between Personal Injury Protection (PIP) and Medical Payments?
    1. PIP will reimburse you for lost wages up to your limit of coverage, and Medical Payments will not
    2. PIP is required nationwide on insurance and Medical Payments is not
    3. PIP is only for those who don't have Health Insurance, and Medical Payments is for everyone
    4. PIP will cover you if you get hit by a car on the side of the road, and Medical Payments will not
  6. When would your Other Than Collision (Comprehensive) Coverage Apply?
    1. When your car is stolen
    2. When a fire erupts in your car
    3. When involved in a hit-and-run (someone hits you while you are in the grocery store and is gone when you come outside)
    4. When your car is stolen or a fire erupts in your car
    5. All of the above
  7. If I don't make any claims and I don't get any tickets, will my insurance premium stay the same?
    1. Yes
    2. It Depends
    3. No
  8. If you are married, you have to list your spouse on the policy, even if he or she doesn't have a valid driver's license.
    1. True
    2. It Depends
    3. False
  9. If you have Towing & Labor Coverage, your insurance company will only tow your automobile if it is involved in an accident.
    1. True
    2. It Depends
    3. False
  10. All of these are available discounts except
    1. Marriage Discount
    2. Good Student Discount
    3. New Purchase Discount
    4. Excellent Credit Discount
    5. Previous Insurance Discount

 

Last modified: Tue Mar 20 19:44:35 MDT 2012