Types of Insurance Activity Quiz

Types of Insurance Activity Quiz

By Mr. Montgomery

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Gina’s dad wants her to get serious about buying insurance. He recalls a time when he was in a car accident and received several injuries that made it difficult to return to work. To drive home his point, he shows her copies of his insurance policies at the time the accident happened.Gina’s dad tells her how he had to use his auto insurance to pay for the damage to his car and the other person’s car when he was in an accident. The insurance company paid for towing, temporary car rental, and medical bills. Gina’s dad also lost wages due to his injury. 

This copy of the insurance policy shows the types of damage and the amounts covered:

​Based on this policy, choose each coverage area to the correct limit on the following....

Multiple Choice

The coverage is

$100 a day, $3,000 maximum

What is the type of damage?

• personal injury protection

• towing and labor

• collision

• substitute transportation

Multiple Choice

The coverage is

up to $100 per disablement

What is the type of damage?

• personal injury protection

• towing and labor

• collision

• substitute transportation

Multiple Choice

The coverage is

actual cash value, after $1,000 deductible

What is the type of damage?

• personal injury protection

• towing and labor

• collision

• substitute transportation

Multiple Choice

The coverage is

$8,000 per person

What is the type of damage?

• personal injury protection

• towing and labor

• collision

• substitute transportation

​Once Gina’s dad had used his $8,000 for personal injury, he had to turn to his health insurance to cover his remaining medical treatment. Here’s a summary of his health insurance policy benefits. What are the various payments that Gina’s dad would have made? 

Multiple Choice

The copay to see a specialist who is a network provider was $________

• 20

• 100

• 20%

• No Charge

Multiple Choice

Her father needed outpatient surgery, and he found a network provider who could help him. After he paid a deductible of $1,000, he paid 20% coinsurance on a surgery that cost $21,000. Therefore, he paid only $_____ for the surgery.

• 4000

• 4150

• 5200

• 4200

Multiple Choice

The total amount Gina’s dad paid for his care

was $ _____.

• 4000

• 4150

• 5020

• 4200

Multiple Choice

Gina’s dad was out of work for 30 days after the accident. What type of insurance covered his lost income when he was not working?

• health insurance

• long-term disability insurance

• property and casualty insurance

• short-term disability insurance