A) To avoid traffic tickets.
B) To make your car look nicer.
C) Financial protection in case of an accident.
D) To increase your car's resale value.

A) Comprehensive coverage.
B) Liability coverage.
C) Collision coverage.
D) Gap insurance.

A) Damage or injuries you cause to others.
B) Natural disasters.
C) Theft of your car.
D) Damage to your own car.

A) Theft of your car.
B) Damage to someone else's car.
C) Damage to your car from an accident.
D) Medical bills from an accident.

A) Damage to your car from an accident.
B) Damage you cause to others.
C) Mechanical failures.
D) Damage to your car from non-accident events (e.g., theft, vandalism).

A) The amount you pay monthly for insurance.
B) The insurance company's profit margin.
C) The amount you pay out-of-pocket before insurance covers the rest.
D) The total cost of your insurance policy.

A) Higher monthly premiums.
B) More coverage.
C) Lower monthly premiums.
D) Faster claim processing.

A) The total cost of repairing your car.
B) The amount you pay out-of-pocket in an accident.
C) The insurance company's legal fees.
D) The regular payment you make for insurance coverage.

A) A sales pitch from an insurance agent.
B) A discount offered by the insurance company.
C) A request to your insurance company for compensation after a covered event.
D) A legal document required to register your car.

A) Age, driving history, and type of car.
B) Your favorite sports team.
C) The color of your car.
D) The number of passengers you usually carry.

A) Provides free roadside assistance.
B) Protects your car if it's damaged by a hailstorm.
C) Covers the cost of renting a car after an accident.
D) Protects you if you're hit by a driver with little or no insurance.

A) Covers medical expenses after an accident.
B) Covers the difference between what you owe on your car and its actual value.
C) Covers the cost of legal fees after an accident.
D) Covers the cost of repairs to your home after a car accident.

A) Leave the scene if the damage is minor.
B) Ensure everyone's safety and call the police if necessary.
C) Admit fault to the other driver.
D) Immediately call your insurance company.

A) Their bank account information.
B) Name, contact information, and insurance details.
C) Their social security number.
D) Their medical history.

A) Lie about your age and driving history.
B) Improve your driving record and increase your deductible.
C) Buy a more expensive car.
D) Drive without insurance for a period of time.

A) Drivers are never at fault in an accident.
B) The insurance company always pays for all damages.
C) Insurance is not required in that state.
D) Each driver's insurance pays for their own injuries, regardless of fault.

A) Rates and coverage options can vary significantly.
B) The first quote you receive is always the best.
C) Comparing quotes is a waste of time.
D) All insurance companies offer the exact same rates and coverage.

A) Only comprehensive coverage.
B) Liability, collision, and comprehensive coverage.
C) Only liability coverage.
D) Only collision coverage.

A) A certificate of financial responsibility required for high-risk drivers.
B) A type of insurance that covers racing events.
C) A special type of insurance for sports cars.
D) A discount offered to senior citizens.

A) The number of passengers in your car.
B) The type of music you listen to in your car.
C) Your driving habits (e.g., speed, mileage, braking).
D) The location of your car at all times.

A) It's a detailed repair estimate for your car.
B) It's a legal document that proves you own your car.
C) It summarizes your coverage, limits, and policy period.
D) It's a marketing brochure from the insurance company.

A) A deductible that decreases over time for safe driving.
B) A type of deductible that doesn't require payment.
C) A deductible that increases over time.
D) A deductible that is only for damage from hail.

A) Coverage that pays for your fuel expenses.
B) Coverage that pays for your monthly car payment.
C) Coverage that pays for a rental car while your car is being repaired.
D) Coverage that pays for your tolls.

A) Coverage that pays for towing your car.
B) Coverage that pays for medical expenses after an accident, regardless of fault.
C) Coverage that pays for car repairs after an accident, regardless of fault.
D) Coverage that pays legal fees.

A) The insurance company's estimated profit.
B) The original purchase price of an item.
C) The current market value of a new item.
D) The replacement cost of an item minus depreciation.

A) The cost to repair a damaged item.
B) The original purchase price of an item.
C) The discounted price of a used item.
D) The cost to replace an item with a new one, without deducting for depreciation.

A) A type of car you can only insure with a specific company.
B) The expiration date of your car insurance policy.
C) An addition to your policy that modifies coverage.
D) A free gift you get when you buy insurance.

A) It only covers damages you cause to other drivers.
B) It covers medical expenses and lost wages for you and your passengers after an accident, regardless of fault.
C) It covers legal fees if you are sued after an accident.
D) It only covers damage to your vehicle.

A) A named driver is someone who has caused accidents; an excluded driver is a safe driver.
B) A named driver is covered by the policy; an excluded driver is not.
C) A named driver owns the car; an excluded driver is just borrowing it.
D) There is no difference; the terms are interchangeable.

A) Buying multiple insurance policies from different companies.
B) Filing multiple claims for the same accident.
C) Combining coverage limits from multiple vehicles on a single policy to increase the amount available in case of an accident.
D) Adding extra features to your car to make it safer.