Thank you for taking our Auto Insurance Quiz!
OK, see how you did!
Here are the results and our analysis based on your responses to the quiz questions...
Bodily injury liability insurance covers the medical costs of physical injuries incurred by passengers in your car and other cars after an accident for which you are responsible.
Your Answer: A1
True
Analysis:
Correct Answer - Bodily injury liability insurance covers you in the event that you cause an accident that hurts someone else. Bodily injury liability insurance covers the medical costs of any physical injury incurred by passengers in your car and other cars after an accident for which you are responsible. It also covers the legal costs that you may incur when you cause an accident.
Bodily injury liability insurance covers the medical costs of physical injuries incurred by passengers in your car and other cars after an accident for which you are responsible.
Your Answer: B1
False
Analysis:
Incorrect Answer - Bodily injury liability insurance does cover you in the event that you cause an accident that hurts someone else. Bodily injury liability insurance covers the medical costs of any physical injury incurred by passengers in your car and other cars after an accident for which you are responsible. It also covers the legal costs that you may incur when you cause an accident.
Collision coverage is designed to cover the cost of damages to your car that occur because of a car accident, regardless who is at fault.
Your Answer: A1
True
Analysis:
Incorrect Answer - If the accident was someone else's fault, then the other driver's insurance company will cover the cost of your car repair.
Collision coverage is designed to cover the cost of damages to your car that occur because of a car accident, regardless who is at fault.
Your Answer: B1
False
Analysis:
Correct Answer If the accident was someone else's fault, then their insurance will cover the cost of your car repair.
Comprehensive coverage is a car insurance policy that covers the cost of repairs to your car regardless whether or not you have been in an accident.
Your Answer: A1
True
Analysis:
Incorrect Answer - Comprehensive coverage only covers the cost of repairs when your car is damaged in a car accident. Normal maintenance, including wear and tear on a vehicle, is not covered.
Comprehensive coverage is a car insurance policy that covers the cost of repairs to your car regardless whether or not you have been in an accident.
Your Answer: B1
False
Analysis:
Correct Answer - Comprehensive coverage only covers the cost of repairs when your car is damaged in a car accident or another event covered by your insurance policy. Normal maintenance, including wear and tear on a vehicle, is not covered.
Medical payments coverage will pay for the medical expenses you and your passengers incur in a car accident, whether or not it was your fault.
Your Answer: A1
True
Analysis:
Correct Answer - Medical payments coverage will pay for the medical expenses you and your passengers incur in a car accident, whether or not it was your fault. It also covers the medical costs of pedestrians that you may injure. It does not, however, cover any property damages that occurred in the accident, for either party.
Medical payments coverage will pay for the medical expenses you and your passengers incur in a car accident, whether or not it was your fault.
Your Answer: B1
False
Analysis:
Incorrect Answer - Medical payments coverage does pay for the medical expenses you and your passengers incur in a car accident, whether or not it was your fault. It also covers the medical costs of pedestrians that you may injure. It does not, however, cover any property damages that occurred in the accident, for either party.
Property damage liability covers the costs of damages to my car if another party is responsible and has no car insurance.
Your Answer: A1
True
Analysis:
Incorrect Answer - Property damage liability covers nothing but the damages to the other person's car and property if you get into an accident and only if the accident is your fault. If the other person doesn't have car insurance and causes an accident with you, then they will have to pay for the damages to their car out of their own pocket.
Property damage liability covers the costs of damages to my car if another party is responsible and has no car insurance.
Your Answer: B1
False
Analysis:
Correct Answer - Property damage liability covers nothing but the damages to the other person's car and property if you get into an accident and, of course, only if the accident is your fault. If the other person doesn't have car insurance and causes an accident with you, then they will have to pay for the damages to their car out of their own pocket.
Uninsured motorist coverage is meant only to protect a responsible driver from having to pay for the costs of irresponsible drivers who do not have auto insurance.
Your Answer: A1
True
Analysis:
Correct Answer - Uninsured motorist coverage is intended to cover the cost of damages to your car in the event that you are hit by another driver who doesn't have car insurance.
It also pays for medical care for you and your passengers, and funeral costs for injuries related to the accident up to the amount that your policy would have covered for the other person had the accident been your fault.
Uninsured motorist coverage is meant only to protect a responsible driver from having to pay for the costs of irresponsible drivers who do not have auto insurance.
Your Answer: B1
False
Analysis:
Incorrect Answer - Uninsured motorist coverage DOES cover the cost of damages to your car in the event that you are hit by another driver who doesn't have car insurance.
It also pays for medical care for you and your passengers, and funeral costs for injuries related to the accident up to the amount that your policy would have covered for the other person had the accident been your fault.
How did you do? Our suggestions for you...
If you're currently insured, take a look at what your current policies cover in terms of medical costs and property and figure out how much you would have to pay if you were wiped out completely. If you are a first time insurer, compare the policies from a few providers and take the average of the different amounts you've identified. Purchase enough coverage to take care of this amount in case of a disaster, and you'll be fine no matter what comes your way.
Again, thank you for taking our Auto Insurance Quiz!