Geico Assessment Test Geico Assessment Test Verbal Reasoning

Question 1

A Geico policy document states: 'Coverage applies unless the insured vehicle is used for commercial purposes without endorsement.' What does this mean for a driver who uses their personal car to deliver food on weekends?

Accepted Answer

Coverage may be denied because the vehicle is used for commercial purposes without an endorsement

Answer

Coverage is fully valid since weekends are not business days

Answer

Coverage applies only if the driver notifies Geico after each delivery

Answer

Coverage is automatically extended to all part-time commercial activities

Question 2

Read the following sentence: 'Policyholders who fail to disclose prior accidents may have their claims denied on the basis of material misrepresentation.' What is the key legal concept described?

Accepted Answer

Material misrepresentation

Answer

Subrogation

Answer

Indemnification

Answer

Comparative negligence

Question 3

Which word is closest in meaning to 'liable' as used in insurance contexts?

Accepted Answer

Responsible

Answer

Exempt

Answer

Reimbursed

Answer

Insured

Question 4

A Geico notice reads: 'Your premium has been recalculated due to an adverse driving record.' What does 'adverse' most likely mean here?

Accepted Answer

Unfavorable

Answer

Improved

Answer

Extended

Answer

Verified

Question 5

The following passage appears in a Geico FAQ: 'Comprehensive coverage protects against losses not caused by a collision, such as theft, vandalism, or weather damage.' Which event would NOT be covered under comprehensive?

Accepted Answer

A rear-end collision at a stop sign

Answer

Hail denting the roof of your car

Answer

Your car being stolen from a parking lot

Answer

A tree branch falling on your windshield

Question 6

In an insurance document, 'subrogation' is described as: 'The right of the insurer to pursue a third party that caused an insurance loss to the insured.' What best paraphrases this definition?

Accepted Answer

The insurer's right to seek reimbursement from the party responsible for a loss

Answer

The insured's right to switch insurers after a claim

Answer

The insurer's obligation to pay claims within 30 days

Answer

The policyholder's right to dispute a denied claim