TLSAE Driver Responsibility and Insurance 3

Question 1

What does comprehensive auto insurance coverage typically protect against?

Accepted Answer

Non-collision damage such as theft, fire, flood, and vandalism

Answer

Comprehensive coverage protects against non-collision events like theft, natural disasters, fire, and vandalism.

Question 2

How does a DUI conviction affect a driver's auto insurance rates?

Accepted Answer

Rates significantly increase because the driver is considered a high-risk insured

Answer

A DUI conviction marks the driver as high-risk, leading to significantly higher insurance premiums or even policy cancellation.

Question 3

What is an SR-22 filing?

Accepted Answer

A certificate of financial responsibility required by the state for high-risk drivers

Answer

An SR-22 is a certificate filed by an insurance company with the state confirming that a high-risk driver has the required minimum coverage.

Question 4

If a driver is found to have provided false information on an insurance application, what may occur?

Accepted Answer

The insurer may cancel the policy or deny claims based on misrepresentation

Answer

Providing false information on an insurance application is considered fraud and can result in policy cancellation and denial of claims.

Question 5

What is the primary purpose of bodily injury liability (BIL) coverage in auto insurance?

Accepted Answer

It pays for injuries to others when the policyholder is at fault in a crash

Answer

Bodily injury liability coverage pays for medical expenses and related damages to other people when the insured driver is at fault.

TLSAE - Traffic Law and Substance Abuse Education Practice Test