by tquitzon
Understanding car insurance can save you money and ensure you are adequately protected on the road. This quiz will challenge your knowledge on various aspects of car insurance, from policy types to claim processes. Let’s see how much you know about safeguarding your vehicle and yourself!
We recommend that you do not leave the page that you are taking this quiz in. Stay honest 🙂
Car Insurance Quiz Questions Overview
1. What is the primary purpose of car insurance?
To enhance the car’s performance
To provide financial protection against accidents
To increase the car’s resale value
To reduce fuel consumption
2. Which type of car insurance covers damages to your own car in an accident?
Liability insurance
Collision insurance
Comprehensive insurance
Personal injury protection
3. What does liability insurance cover?
Your car’s damages
Your medical expenses
Damages and injuries you cause to others
Theft of your car
4. Which type of coverage is typically required by law?
Collision coverage
Comprehensive coverage
Liability coverage
Uninsured motorist coverage
5. What is a deductible in car insurance?
The total cost of the insurance policy
The amount the insurance company pays for a claim
The amount you pay out of pocket before insurance covers the rest
The monthly premium for the insurance policy
6. What does comprehensive insurance cover?
Only collision-related damages
Damages from theft, fire, and natural disasters
Medical expenses for you and your passengers
Legal fees in case of a lawsuit
7. What is uninsured motorist coverage?
Coverage for your car’s damages
Coverage for medical expenses
Coverage for damages caused by a driver without insurance
Coverage for rental car expenses
8. What is the benefit of having personal injury protection (PIP)?
It covers damages to your car
It covers medical expenses for you and your passengers
It covers legal fees
It covers rental car expenses
9. What is the purpose of gap insurance?
To cover the gap between your deductible and the repair costs
To cover the difference between the car’s value and the amount owed on a loan
To cover rental car costs
To cover legal fees
10. What factor does NOT typically affect car insurance premiums?
Your driving record
Your age
Your favorite color
Your car’s make and model
11. What is a no-fault insurance system?
A system where no one is at fault in an accident
A system where each driver’s insurance covers their own damages regardless of fault
A system where the at-fault driver’s insurance covers all damages
A system where the government pays for all accident damages
12. What is the main benefit of bundling car insurance with other types of insurance?
Increased coverage limits
Lower premiums
Faster claim processing
Better customer service
13. What does SR-22 insurance certify?
That you have a clean driving record
That you have the minimum required insurance coverage
That you have comprehensive coverage
That you have a high-value car
14. What is the purpose of a car insurance premium?
To cover the cost of car repairs
To pay for medical expenses
To maintain active insurance coverage
To pay for traffic tickets
15. What is an insurance policy’s term?
The amount of coverage
The cost of the policy
The duration the policy is in effect
The insurance company’s name
16. What is the benefit of having rental reimbursement coverage?
It covers the cost of renting a car while yours is being repaired
It reduces your insurance premiums
It covers the cost of car repairs
It covers medical expenses
17. What does ‘full coverage’ car insurance typically include?
Only liability coverage
Only collision coverage
Liability, collision, and comprehensive coverage
Only comprehensive coverage
18. What is the purpose of an insurance claim?
To pay your insurance premium
To report an incident and request payment from the insurance company
To cancel your insurance policy
To increase your coverage limits
19. What does ‘underinsured motorist coverage’ protect you from?
Drivers with no insurance
Drivers with insufficient insurance to cover your damages
Damages to your own car
Medical expenses for your passengers
We recommend that you do not leave the page that you are taking this quiz in. Stay honest 🙂
