General Insurance Questions and Answers - Top 20 Car Insurance Questions and Answers For Exam (Quiz)

General Insurance Questions and Answers 2020

General Insurance Questions and Answers

1. The color of your vehicle can increase the cost of your insurance premiums


2. What is auto insurance?

Protects you from a financial loss, if you have an accident

3. Car B is not insured, what is one way Car A can have the damages paid for.

If car A has Uninsured Motorists coverage

4. If your car gets damaged in a hailstorm which would cover the damages to your car?

Comprehensive Coverage

5. You are hit by a vehicle but the owner doesn't have insurance. What coverage would pay for the damages?

Uninsured Motorist

6. A higher deductible results in

a lower premium

7. Who needs auto insurance?

All people who drive cars.

8. If your policy covers $100,000 of Bodily Damage and you cause $234,000 of Bodily Damage what happens?

You pay $134,000 out of pocket

9. What do you call the amount you agree to pay in case of an accident?


10. What kind of insurance pays for physical damages to your car from acts of nature such as fire?


10. Who pays more for auto insurance?
  • Males - Answer
  • Females
  • Elderly
  • Children
11. What isn't covered under Specialty Insurance?

  • Trip Cancellation
  • Pet Health
  • Phone Insurance
  • Flood Insurance
  • Hospital Visit - Answer
12. What kind of coverage pays for damages to your car if you are at fault?
  • Collision -Answer
  • Comprehensive
  • Under-insured Motorist
  • Uninsured Motorist
13. Which of the following is a way to lower your insurance premium?
  • have a good driving record - Answer
  • be involved in sports
  • have a parent with you at all times
  • buy a sports car
14. The fee a driver pays for continued insurance is called
  • deductible
  • claim
  • liability
  • premium - Answer
15. In which two states can you drive without any auto insurance?
  • Virginia and Ohio
  • Connecticut and New Hampshire - Answer
  • Virginia and New Hampshire
  • Connecticut and Maine
16. What kind of insurance would cover you if you hit a deer? The only damage is to your car.
  • Liability
  • Bodily Injury
  • Comprehensive - Answer
  • None
17. What coverage protects you is someone is injured in an accident you cause?
  • Property Damage
  • Bodily Injury - Answer
  • Uninsured Motorist
  • Under-insured Motorist
18. Who should you call first if you get into an accident?
  • The cops - Answer
  • Your Parents
  • The insurance company
  • No one
19. Which of the following does NOT effect the cost of your car insurance?
  • Your Age
  • Gender
  • Driving Record
  • Drivers Test Score - Answer
20. What is bodily injury coverage?
  • coverage when you hit a car
  • coverage for an accident, when someone is hurt or killed - Answer
  • coverage when you hurt yourself in an accident

Top 20 Car Insurance Questions and Answers For Exam

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