Ten questions on liability, comprehensive, collision, and UM/UIM. Take it before you read anything else on this site — the score is supposed to sting a little. Then read up and take it again to see what actually stuck.
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You rear-end someone. Which part of your policy pays for their bumper? 1 / 10 · Liability
You rear-end someone. Which part of your policy pays for their bumper?
A Your collision coverage B Your property damage liability C Your comprehensive coverage D Their collision coverage, always
Your limits are 25/50/25. What does the middle number mean? 2 / 10 · Liability
Your limits are 25/50/25. What does the middle number mean?
A Max paid for your own injuries B Max paid for all bodily injury in one crash C Max paid per person injured D Your deductible
You cause a crash with $90,000 in injuries and you carry state-minimum limits. What happens to the rest? 3 / 10 · Liability
You cause a crash with $90,000 in injuries and you carry state-minimum limits. What happens to the rest?
A The state covers the gap B It's written off automatically C You can be sued personally for it D Your comprehensive picks it up
A hailstorm dents your hood. Which coverage pays? 4 / 10 · Comprehensive
A hailstorm dents your hood. Which coverage pays?
A Collision B Comprehensive C Liability D UM/UIM
A deer runs out. You brake hard and hit it. Which coverage handles the damage? 5 / 10 · Comprehensive
A deer runs out. You brake hard and hit it. Which coverage handles the damage?
A Collision, because you hit something B Comprehensive C Nothing — animal strikes are excluded D Liability
You slide on ice into a telephone pole. Nobody else is involved. Which coverage repairs your car? 6 / 10 · Collision
You slide on ice into a telephone pole. Nobody else is involved. Which coverage repairs your car?
A Comprehensive B Liability C Collision D Property damage liability
Your car is financed. Which coverages will your lender almost certainly require? 7 / 10 · Collision
Your car is financed. Which coverages will your lender almost certainly require?
A Liability only B Comprehensive and collision C UM/UIM only D Nothing beyond the state minimum
Repair is $900 and your collision deductible is $500. What's the smart move? 8 / 10 · Collision
Repair is $900 and your collision deductible is $500. What's the smart move?
A Always file — that's what insurance is for B Do the math; a $400 payout can cost more in surcharges C File and then cancel the policy D File it under comprehensive instead
An uninsured driver totals your car and breaks your arm. Which coverage steps in? 9 / 10 · UM/UIM
An uninsured driver totals your car and breaks your arm. Which coverage steps in?
A Your liability coverage B Uninsured/underinsured motorist coverage C Comprehensive D The state's uninsured driver fund
Who most needs to add UM/UIM even where it isn't required? 10 / 10 · UM/UIM
Who most needs to add UM/UIM even where it isn't required?
A Drivers in states with high uninsured rates and heavy crash volume B Drivers with brand-new cars only C Drivers over 25 D Nobody — it's a gimmick