Auto/Homeowners

What kind of insurance would cover you if you hit a deer? The only damage is to your car.

• Liability

• Bodily Injury

• Comprehensive

• None

The act or process of colliding; a crash or conflict

• collision

• peril

• risk

• liability

Jack Black has Arizona auto insurance, and his liability coverage limits are $50,000/$100,000. What is the maximum amount his insurance will pay out per accident?

• $50,000

• $100,000

• $150,000

• infinite

1. Greg's insurance liability limits are 20/40/10. While he was driving home from work he ran through a stale yellow light and collided with a station wagon, which in turn knocked a fire hydrant off its base. The fire hydrant cost $12,000 in property damage! How much does Greg owe?

• $12,000

• Nothing

• $2000

You backed out of your driveway and hit a car coming down the street. No one was hurt, but there was damage to the car on the street.

• Uninsured/underinsured Motorist Protection

• Property Damage Liability

• Car Rental Insurance

• Collision

• Bodily Injury Liability

Your car was parked outside of your house last night, and someone smashed the windshield with a bat.

• Personal Injury Protection

• Property Damage Liability

• Comprehensive

• Collision

• Bodily Injury Liability

John has a deductible of $2,000. He damages his car in an accident and it will cost $5,500 to repair.

How much does Norris have to pay?

• $2,000

• $5,500

• $3,500

• Nothing at all

What would homeowners insurance cover?

• Theft

• Fire

• Tornado

• All of the above

3. Karishma has a renters insurance policy with a coverage limit of $25,000. While she’s on vacation a fire breaks out, ruining $9,000 worth of possessions before the fire department puts it out. Her deductible is $500. How much will Karishma and the insurance company each pay?

• Karishma pays $0, while the insurance company pays $500
• Karishma pays $0, while the insurance company pays $9,000
• Karishma pays $500, while the insurance company pays $8,500
• Karishma pays $500, while the insurance company pays $24,500

Which of these would be a Temporary Substitute auto in the Personal Auto Policy

• Your employer allowing you to use a company car

• Renting a vehicle while on vacation

• Rent a vehicle when your auto is being repaired due to a covered loss

• Borrowing your neighbor's vehicle to go pick up your kids at school