Car Insurance Question and Answers

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The driver of the car that hit you doesn't have insurance. What insurance policy would cover the losses?

Correct! Wrong!

Explanation:
If you are in an accident with a driver who does not have insurance, uninsured motorist auto insurance will cover you from financial losses.

Which option from the list below will lower your insurance premium?

Correct! Wrong!

Explanation:
One of the key factors affecting how much you pay for auto insurance is your driving record. Generally speaking, cheaper premiums are the result of solid driving records. On the other hand, if you have a history of accidents or major traffic offenses, you are at a higher risk for insurance and will probably pay more.

What type of insurance covers for your car's damages if you are at fault?

Correct! Wrong!

Explanation:
After a collision, collision insurance pays to replace or repair your car, less your deductible. Collision insurance is often an optional item, so you will have to pay extra to include it in your auto insurance plan.

What insurance covers you in the event that someone is hurt in an accident you cause?

Correct! Wrong!

Explanation:
If you make a mistake in a collision that results in injuries to another motorist, their passengers, or pedestrians, bodily injury liability insurance is defined as covering medical expenses. These costs are taken care of:
Medical costs include everything from ambulance fees, and hospital stays to supplies like a walker or crutches.
Loss of income should the victim's injuries prevent them from working.
Legal costs if the harmed person sues you.
Funeral expenses if the injuries cause death.

The cost of continuing insurance for a motorist is

Correct! Wrong!

Explanation:
You pay the insurance company for coverage with your auto insurance payment. Your insurance premiums are set by insurance companies based on risk variables including your driving record, age, credit score, and more.

What form of insurance covers physical damage to your car caused by natural disasters like fire?

Correct! Wrong!

Explanation:
A sort of auto insurance called comprehensive insures damage to your car from incidents other than collisions. Your car will be protected by comprehensive insurance if, among other things, it is wrecked by a tornado, dented by a collision with a deer, spray-painted by a vandal, broken into, or crushed by a collapsing garage.

What do you refer to as the sum you consent to pay in the event of an accident?

Correct! Wrong!

Explanation:
When you submit a claim for an insured loss, you must pay a deductible for your auto insurance. In essence, your claim payment will be reduced by the amount of your deductible when you are involved in a car accident and make a claim.

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