OMV Insurance Requirements 2

Question 1

What does 'liability insurance' cover in an auto policy?

Accepted Answer

Injuries and property damage you cause to others

Answer

Liability insurance pays for bodily injury and property damage that you cause to other people in an accident.

Question 2

If you are caught driving without insurance, which of the following is a likely consequence?

Accepted Answer

License suspension and fines

Answer

Driving without insurance typically results in license suspension, fines, and possible vehicle impoundment.

Question 3

What is 'uninsured motorist coverage'?

Accepted Answer

Protection when you're hit by a driver with no insurance

Answer

Uninsured motorist coverage protects you if you are injured by a driver who has no auto insurance.

Question 4

Which type of coverage pays for damage to your vehicle caused by events like hail, flood, or falling objects?

Accepted Answer

Comprehensive coverage

Answer

Comprehensive coverage pays for non-collision events such as weather damage, theft, vandalism, and falling objects.

Question 5

What does 'collision coverage' typically pay for?

Accepted Answer

Damage to your car from hitting another vehicle or object

Answer

Collision coverage pays to repair or replace your vehicle when it is damaged by a collision with another car or object.

(OMV) Operator's Motor Vehicle Exam Practice Test