Geico Assessment Test Geico Insurance 2

Question 1

GEICO is best known as a direct-to-consumer insurer. What does 'direct-to-consumer' mean for customers?

Accepted Answer

Customers buy policies directly from GEICO without a local agent

Answer

GEICO's direct model lets customers purchase online or by phone without going through an agent.

Question 2

A customer's car is declared a 'total loss.' What does this typically mean?

Accepted Answer

The cost to repair exceeds the vehicle's actual cash value

Answer

A total loss occurs when repair costs surpass the vehicle's actual cash value.

Question 3

Which factor generally has the LEAST impact on an auto insurance premium?

Accepted Answer

The color of the vehicle

Answer

Car color does not affect premiums; driving record, vehicle type, and location do.

Question 4

A policyholder calls upset about a denied claim. What is the best first step for a representative?

Accepted Answer

Listen actively and acknowledge the customer's concern

Answer

Active listening and empathy de-escalate the situation before explaining options.

Question 5

What does a 'deductible' represent in an auto policy?

Accepted Answer

The amount the policyholder pays before insurance covers the rest

Answer

A deductible is the out-of-pocket amount paid before coverage kicks in.

Geico Assessment Test Practice Test