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

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

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

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

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

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

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

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

A) Protects your car if it's damaged by a hailstorm.
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) Provides free roadside assistance.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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