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How well do you understand your auto insurance policy? Take this quiz to find out.
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Question 1 of 10
“Comprehensive coverage” covers all but ____?Correct
“Comprehensive coverage” pays for damage to your auto not caused by a collision such as, but not limited to: theft, vandalism, animal damage, and hail. For example let’s say your car is stolen. This coverage will pay up to the actual cash value of your car, minus the deductible that you select.Incorrect
Question 2 of 10
What does “Bodily Injury (BI) Liability” cover?Correct
“Bodily Injury (BI) liability” covers injury for people, not your vehicle. Therefore it’s a good idea to have the same level of coverage for all of your cars. Answers C and D do represent other kinds of coverages (“Property Damage Liability” and “Personal Injury Protection”, respectively) that are also smart to have.Incorrect
Question 3 of 10
Which of the following does NOT factor into your insurance premium?Correct
The myth that if you have a red car you pay more for your insurance is just that: a myth. Determining car insurance rates involves analysis by actuaries, who evaluate risk by using statistical data. Insurance rates are then determined based on an individual’s chance of being in an accident.Incorrect
Question 4 of 10
True or False: You don’t need car insurance if you don’t have a car.Correct
If you don’t have a car, you could still need car insurance. Anytime you get behind the wheel of a rental car or a friend’s car, you need to be covered as a driver. “Non-Owner Insurance” provides liability coverage that pays for injuries and property damage caused to other drivers and their passengers when you are ruled at fault. Plus “Non-Owner Insurance” serves as continuous auto insurance coverage, which will help you avoid a lapse in coverage and may keep your insurance rates down when you purchase a new vehicle.Incorrect
Question 5 of 10
GEICO’s “Emergency Roadside Service” helps with which of the following?Correct
With GEICO’s Emergency Roadside Service (ERS) added to your policy, you can get roadside help with any of the above. Help is on the way with a quick phone call or through the GEICO Mobile app on your Android or iOS device. You’ll get 24/7 assistance, GPS locator, and a quick, easy, and personalized experience.Incorrect
Question 6 of 10
What is “Accident Forgiveness”?Correct
Car accidents happen, even to the best drivers. If you have a solid driving record, you deserve a little credit. That’s why GEICO offers accident forgiveness at no cost to drivers who qualify. *Please note that GEICO Accident Forgiveness eligibility is determined by your specific policy type, as well as state laws and regulations.Incorrect
Car accidents happen, even to the best drivers. If you have a solid driving record, you deserve a little credit. That’s why GEICO offers accident forgiveness to drivers who have been accident-free for five years or more. *Please note that GEICO Accident Forgiveness eligibility is determined by your specific policy type, as well as state laws and regulations.
Question 7 of 10
What is a “Personal Umbrella Policy”?Correct
“Personal Umbrella Policies” can help prevent financial hardship. This protection is designed to kick-in when liability on your homeowners, auto, and boat insurance has been exhausted. Umbrella insurance provides coverage for injuries, damage to property, certain lawsuits, and some personal liability situations.Incorrect
Question 8 of 10
What kind of insurance does GEICO provide?Correct
Question 9 of 10
True or False: GEICO can help you obtain car insurance outside of the United States.Correct
GEICO can help you with Overseas Insurance for cars, motorcycles, and personal property, through GEICO Financial Services. They can also help make sure you have all the documents you need to ship your vehicle, register it, and cross international borders.Incorrect
Question 10 of 10
You let you your friend drive your car to a wedding in another state. While at the wedding, he backs up and hits another car. There is damage to both cars. Are you covered?Correct
Your insurance typically covers other drivers and passengers as long as you give your friend permission to drive the vehicle and has a valid driver’s license. Regardless of what state you are in, your policy will provide all the coverage it normally would. As long as you have “Collision Coverage” and “Bodily Injury Liability” your policy would cover the damage and potential medical costs to both parties.Incorrect
Your insurance typically covers other drivers and passengers as long as you give your friend permission to drive the vehicle and has a valid driver’s license. Regardless of what state you are in, your policy will provide all the coverage it normally would. As long as you have “Collision Coverage” and “Bodily Injury Liability,” your policy would cover the damage and potential medical costs to both parties.
Whether it’s figuring out what type of insurance or how much coverage you need, or something as tricky as decoding your car’s engine light—becoming a responsible adult presents all kinds of new challenges and opportunities to learn. Fortunately, GEICO can help you tackle these areas with confidence.