Filed Under:Claims, Education & Training

Basic Auto Policies: Test Your Knowledge

Drivers only answered 3 out of 10 questions related to comprehensive, collision and UM/UIM coverages correctly. As advisors, can you do better?

A recent survey of 500 drivers found that respondents could only correctly answer three out of 10 multiple-choice questions about the coverage offered by their auto policies.

The results show motorists are likely making mistakes when purchasing policies, especially if they do so through increasingly popular online services that cannot offer tailored guidance like an agent.

Select multiple answers:

What does comprehensive coverage pay for?


Select multiple answers:

Select multiple answers:

What factors can car insurance companies typically use when setting rates for full coverage?

Select multiple answers:

What does uninsured motorist (UM) coverage pay for?

  • Damage to my car if I crash it
  • Damage to my car if an object falls on it, like a tree
  • Damage to my car if I hit an animal, like a deer
  • Damage to my car from a flood
  • Property damage to others if I cause a crash
  • Injuries to passengers in my own car
  • Theft of my car

What does collision coverage pay for?

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