Geico Assessment Test Customer Service 2 — Questions and Answers
Question 1: What is uninsured motorist coverage?
- Coverage for when you do not have insurance
- Coverage that protects you if you are hit by a driver who has no insurance (Correct answer)
- Coverage that is not required
- Coverage for rental cars only
Correct answer: Coverage that protects you if you are hit by a driver who has no insurance
Uninsured motorist coverage pays for your injuries and damages when the at-fault driver has no insurance or cannot be identified (hit-and-run).
Question 2: What does comprehensive coverage protect against?
- Only collisions
- Damage from non-collision events like theft, vandalism, weather, fire, and animal strikes (Correct answer)
- Only liability claims
- Everything including mechanical breakdowns
Correct answer: Damage from non-collision events like theft, vandalism, weather, fire, and animal strikes
Comprehensive covers damage to your vehicle from events other than collisions, including theft, fire, flood, hail, falling objects, and animal strikes.
Question 3: What is the difference between liability and collision coverage?
- They are the same
- Liability covers damage you cause to others; collision covers damage to your own vehicle from accidents (Correct answer)
- Liability is optional; collision is mandatory
- Collision is cheaper
Correct answer: Liability covers damage you cause to others; collision covers damage to your own vehicle from accidents
Liability pays for injuries and property damage you cause to others. Collision pays for damage to your own vehicle regardless of fault.
Question 4: What factors typically affect auto insurance premiums?
- Only the car model
- Driving record, age, location, vehicle type, coverage levels, credit score, and mileage (Correct answer)
- Only your age
- Only your zip code
Correct answer: Driving record, age, location, vehicle type, coverage levels, credit score, and mileage
Insurance premiums are calculated using multiple risk factors including your driving history, demographics, where you live, what you drive, and how much coverage you want.
Question 5: What is a multi-policy discount?
- A discount for having multiple cars
- A discount for bundling different types of insurance policies (auto + home) with the same company (Correct answer)
- A discount for paying multiple months at once
- A discount for multiple drivers
Correct answer: A discount for bundling different types of insurance policies (auto + home) with the same company
Multi-policy (or bundling) discounts reward customers who carry multiple types of insurance with the same company, such as auto and homeowners.
Question 6: What should you do if a customer reports a claim involving a potential injury?
- Tell them injuries are not covered
- Document all details carefully, advise them to seek medical attention, and follow the company's injury claim protocol (Correct answer)
- Minimize the importance of the injury
- Transfer them to a different department without taking information
Correct answer: Document all details carefully, advise them to seek medical attention, and follow the company's injury claim protocol
Injury claims require careful documentation, immediate medical attention advice, and proper protocol following to protect both the customer and the company.
Geico Assessment Test Customer Service 2
What is uninsured motorist coverage?