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Question 1

What does 'fault' or 'tort' state mean in the context of auto accident insurance?

Accepted Answer

The at-fault driver's insurance pays for damages to the other party

Answer

In a fault (tort) state, the driver who caused the accident is financially responsible, and the injured party can claim against the at-fault driver's liability insurance.

Question 2

What is 'no-fault' auto insurance and how does it affect accident claims?

Accepted Answer

Each driver claims against their own insurer for medical expenses regardless of who caused the accident

Answer

In no-fault states, Personal Injury Protection (PIP) coverage pays the policyholder's medical expenses up to policy limits without needing to establish who caused the crash.

Question 3

What is 'uninsured motorist' (UM) coverage in auto insurance?

Accepted Answer

Coverage that pays the policyholder's damages when the at-fault driver has no insurance

Answer

UM coverage protects the insured when injured by a driver who carries no liability insurance, allowing recovery from the insured's own policy.

Question 4

In a rear-end collision, who is typically presumed to be at fault?

Accepted Answer

The driver who rear-ended the vehicle in front

Answer

The following driver is presumed at fault in rear-end collisions because drivers have a duty to maintain a safe following distance and be prepared to stop.

Question 5

What is a 'police report' and why is it important after a car accident?

Accepted Answer

An official record created by responding officers that documents the accident scene, parties, and preliminary fault assessment

Answer

Police reports provide an independent third-party account of the accident, including witness statements, road conditions, and sometimes officer opinions on fault, which insurers rely on heavily.

accident attorney Practice Test

accident attorney Practice Test

accident attorney Car Accident Law