Geico Assessment Test Geico Insurance 3 — Questions and Answers
Question 1: What is the primary purpose of 'liability coverage' in an auto policy?
- To pay for injuries or damage you cause to others (Correct answer)
- To repair your own vehicle after a crash
- To replace stolen personal items
- To cover routine maintenance
Correct answer: To pay for injuries or damage you cause to others
Liability coverage pays for bodily injury and property damage you cause to others.
Question 2: A representative handling 25 calls per shift wants to improve efficiency. Which approach is most appropriate?
- Use clear, accurate documentation to resolve issues on the first call (Correct answer)
- Rush each caller off the line
- Skip verifying customer identity
- Promise outcomes that cannot be guaranteed
Correct answer: Use clear, accurate documentation to resolve issues on the first call
First-call resolution with accurate notes improves both efficiency and customer satisfaction.
Question 3: Which of these is a common safe-driver discount factor?
- Maintaining a clean driving record over time (Correct answer)
- Owning multiple credit cards
- Driving an older vehicle
- Living in a city center
Correct answer: Maintaining a clean driving record over time
A sustained clean driving record commonly qualifies drivers for discounts.
Question 4: What does 'comprehensive coverage' typically pay for?
- Non-collision events like theft, fire, or hail (Correct answer)
- Only head-on collisions
- Legal fees from lawsuits
- Routine tire rotations
Correct answer: Non-collision events like theft, fire, or hail
Comprehensive covers non-collision losses such as theft, vandalism, fire, and weather.
Question 5: A customer reports a billing error. What demonstrates strong attention to detail?
- Reviewing the account history carefully before responding (Correct answer)
- Assuming the customer is mistaken
- Offering a refund without checking
- Closing the ticket immediately
Correct answer: Reviewing the account history carefully before responding
Carefully verifying account records ensures the correct resolution.
Question 6: If a policy covers up to $50,000 and a claim totals $62,000, how much must the policyholder cover?
- $12,000 (Correct answer)
- $50,000
- $62,000
- $0
Correct answer: $12,000
The policyholder pays the $12,000 that exceeds the $50,000 coverage limit.
Question 7: Why is data confidentiality important in an insurance role?
- It protects sensitive customer information and maintains trust (Correct answer)
- It speeds up call handling
- It increases premiums
- It is optional for representatives
Correct answer: It protects sensitive customer information and maintains trust
Protecting personal and financial data preserves customer trust and meets legal duties.
Geico Assessment Test Geico Insurance 3
What is the primary purpose of 'liability coverage' in an auto policy?