1. What does auto liability insurance pay for?
(check all that apply)
  • Damage to my car if I crash it
  • Damage to my car if an object falls on it, like a tree
  • Damage to my car if I hit an animal, like a deer
  • Damage to my car from a flood
  • Property damage to others if I cause a crash
  • Injuries to passengers in my own car
  • Theft of my car
2. What does collision coverage pay for?
(check all that apply)
  • Damage to my car if I crash it
  • Damage to my car if an object falls on it, like a tree
  • Damage to my car if I hit an animal, like a deer
  • Damage to my car from a flood
  • Property damage to others if I cause a crash
  • Injuries to passengers in my own car
  • Theft of my car
3. What does comprehensive coverage pay for?
(check all that apply)
  • Damage to my car if I crash it
  • Damage to my car if an object falls on it, like a tree
  • Damage to my car if I hit an animal, like a deer
  • Damage to my car from a flood
  • Property damage to others if I cause a crash
  • Injuries to passengers in my own car
  • Theft of my car
4. What does Personal Injury Protection or Medical Payments coverage pay for?
(check all that apply)
  • Damage to my car if I crash it
  • Damage to my car if an object falls on it, like a tree
  • Damage to my car if I hit an animal, like a deer
  • Damage to my car from a flood
  • Property damage to others if I cause a crash
  • Injuries to passengers in my own car
  • Theft of my car
5. What does uninsured motorist (UM) coverage pay for?
(check all that apply)
  • Claims you make even if you have been late paying your premium
  • Car damage to someone you hit who doesn't have insurance
  • Bodily injury to you and your passengers if your car is hit by someone without insurance
  • Bodily injury to you and your passengers if your car is hit by a hit-and-run driver
6. If your car is totaled, what does gap insurance pay for?
(Select One)
  • The difference between the "actual cash value" of the vehicle and the amount owed on a car loan
  • The difference between the "actual cash value" of the vehicle and the amount you paid for the car
  • The difference between the amount owed on a car loan and the amount your paid for the car
7. What factors can car insurance companies typically use when setting rates for full coverage?
(check all that apply)
  • Your age
  • Your gender
  • Your address
  • The length of your daily commute
  • Your occupation
  • Your credit history
  • Your past accidents
  • Tickets you have received
  • The model of your car
  • The year of your car
  • The color of your car
8. If a friend told you she has liability limits of 25/50/40, what does that mean?
(Select One)
  • $25,000 for damage to her own car, $50,000 for damage to someone else's car, $40,000 for bodily injury payments
  • $25,000 for bodily injury to one person in an accident, $50,000 for bodily injury per accident, $40,000 for property damage
  • $25,000 if someone else's car is totaled, $50,000 if her car is totaled, $40,000 for injury payments
  • $25,000 for bodily injury to her own passengers, $50,000 for damage to her car, $40,000 for damage to someone else's car
9. If a friend borrows your car and crashes it, whose insurance pays?
(Select One)
  • Your friend's insurance
  • Your own insurance
10. What are typical discounts auto insurance companies will offer if you qualify?
(check all that apply)
  • Low mileage
  • Using garage for vehicle
  • Anti-lock brakes
  • Anti-theft devices
  • "Good student" discount for a grade point average of 3.0 or higher
  • Lane-departure warning system
  • "Mature driver" (over 55) defensive driving course
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