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

A) Collision coverage.
B) Comprehensive coverage.
C) Liability 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) Damage to someone else's car.
B) Theft of your 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) Damage to your car from non-accident events (e.g., theft, vandalism).
D) Mechanical failures.

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

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

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

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

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

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

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 repairs to your home after a car accident.
D) Covers the cost of legal fees after an accident.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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