RTA Accident Reporting & Insurance 3

Question 1

What does 'comprehensive coverage' protect against?

Accepted Answer

Damage from theft, vandalism, fire, hail, or natural disasters

Answer

Collision with another vehicle

Answer

Liability for injuring another person

Answer

Medical bills for the driver

Question 2

If a driver is found to be operating a vehicle without valid insurance during a traffic stop, what is the typical consequence?

Accepted Answer

Fines, possible license suspension, and vehicle impoundment

Answer

A verbal warning only

Answer

Mandatory enrollment in a driving course

Answer

Only a small administrative fee

Question 3

What is an SR-22 form?

Accepted Answer

A certificate your insurer files proving you carry minimum required coverage after certain violations

Answer

A vehicle registration renewal document

Answer

A police accident report form

Answer

A form to transfer vehicle ownership

Question 4

When taking photos at an accident scene for insurance purposes, what should you capture?

Accepted Answer

All vehicles involved, road conditions, damage, skid marks, and the overall scene

Answer

Only the license plates of vehicles involved

Answer

Only your own vehicle's damage

Answer

Just the other driver's insurance card

Question 5

What is 'property damage liability' coverage designed to pay for?

Accepted Answer

Damage you cause to another person's property in an accident

Answer

Damage to your own vehicle

Answer

Theft of personal property from your vehicle

Answer

Natural disaster damage to your car

Question 6

What should you do if the other driver involved in an accident becomes aggressive or threatening?

Accepted Answer

Stay in your vehicle, call police, and do not engage with the other driver

Answer

Confront the driver to resolve the situation quickly

Answer

Exchange insurance details and leave immediately

Answer

Attempt to calm the driver by discussing fault

Question 7

How does a 'deductible' function in an auto insurance claim?

Accepted Answer

It is the amount you pay out-of-pocket before your insurance covers the remainder

Answer

It is the maximum amount your insurer will pay

Answer

It is a monthly discount for safe driving

Answer

It is the penalty for filing too many claims