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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

A) The original purchase price of an item.
B) The discounted price of a used item.
C) The cost to repair a damaged 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) A free gift you get when you buy insurance.
C) An addition to your policy that modifies coverage.
D) The expiration date of your car insurance policy.

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

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

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