OMV Insurance Requirements 3

Question 1

What is a 'deductible' in an auto insurance policy?

Accepted Answer

The amount you pay out-of-pocket before insurance covers the rest

Answer

A deductible is the portion of a claim you must pay yourself before your insurance company pays the remaining costs.

Question 2

Which document proves you have the required minimum insurance when stopped by law enforcement?

Accepted Answer

Proof of insurance card

Answer

A proof of insurance card (physical or digital) is the standard document required to show law enforcement during a traffic stop.

Question 3

What is 'bodily injury liability' coverage designed to pay for?

Accepted Answer

Medical costs and lost wages of others you injure

Answer

Bodily injury liability covers medical expenses, lost income, and legal costs for people you injure in an at-fault accident.

Question 4

A policy with limits of 25/50/20 means property damage liability covers up to how much per accident?

Accepted Answer

$20,000

Answer

In a split-limit policy, the third number represents the property damage liability limit per accident, which is $20,000 in this case.

Question 5

What is 'personal injury protection' (PIP) coverage?

Accepted Answer

No-fault coverage that pays your medical bills regardless of who caused the accident

Answer

PIP is a no-fault coverage that pays your medical expenses and sometimes lost wages regardless of who caused the crash.

(OMV) Operator's Motor Vehicle Exam Practice Test