Auto Insurance Mega-Quiz

Friday, December, 21st, 2012 at 11:57 am

Tags: Auto, Auto Insurance, Auto Safety, Tips and Tricks

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Auto Insurance Mega-Quiz

The holidays are a time for fun, a time for family, a time for -- insurance.
Well, insurance may not be the first thing that comes to mind when you have visions of sugarplums dancing in your head. But, the holiday season can be a great time to make sure you're safe and protected.
If you think you know a lot about car insurance and driving safety -- or even if you just want to learn more -- take our quiz!
Have fun, and happy holidays!

Get Started!

1. Question 1 of 10

   1. You are driving over the river and through the woods when a deer darts out in front of you, and you hit it. The deer seems unhurt and bounds away, but you are left with a big, ugly dent in your car. What type of auto insurance coverage will you be glad you bought?

   • Collision coverage -- You collided with a deer, right?
   • Comprehensive coverage -- Deer are animals, which would fall under comprehensive coverage.
   • Personal Injury Protection -- The poor deer might be hurt!
   • Yes, you're right! Animal damage generally falls under the comprehensive coverage of your auto insurance policy, as do other perils like vandalism, hail and falling objects.
     
     
   • No, that's incorrect! Animal damage generally falls under the comprehensive coverage of your auto insurance policy, as do other perils like vandalism, hail and falling objects.
     
     
   Next »Check My Answer!
2. Question 2 of 10

   2. You park your car in the mall parking garage and hit the stores. After hours of shopping, you come back to your car and find someone has smashed your window and stolen your iPad, an expensive pair of boots and some CDs. Your auto insurance policy likely will cover the damage to the window, but what can you do about your stolen items?

   • The stolen CDs fall under your auto insurance policy, since you keep them in the car all the time, but there's no insurance policy that will cover your boots or iPad.
   • Your auto insurance policy will likely cover all the items, since they were stolen from your car, up to a certain dollar limit.
   • The iPad, boots and CDs are likely covered under the personal property protection of your homeowners or renters insurance policy, up to a certain dollar limit, even though they were in your car.
   • You're right! Many of the items you own are likely covered under the personal property protection of a homeowners or renters insurance policy, even if they're not inside your home when they're damaged, stolen or destroyed. There are some exceptions and limitations, so it's a good idea to ask your insurance agent what your particular policy covers in a situation like this.
     
     
   • You're wrong! Many of the items you own are likely covered under the personal property protection of a homeowners or renters insurance policy, even if they're not inside your home when they're damaged, stolen or destroyed. There are some exceptions and limitations, so it's a good idea to ask your insurance agent what your particular policy covers in a situation like this.
     
     
   Next »Check My Answer!
3. Question 3 of 10

   3. Which kinds of distractions can be dangerous when you're behind the wheel of a car?

   • Visual distractions only -- as long as your eyes are on the road, you're fine -- even if the kids are singing "Rudolph, the Red-Nosed Reindeer" at the top of their lungs in the back seat.
   • Manual distractions only -- as long as your hands are on the steering wheel, it's OK to have a heated debate with your passenger about the merits of sugar cookies versus chocolate chips.
   • Cognitive distractions only -- the real problem is taking your mind off your driving. You can reach over and flip through the radio stations throughout your drive, searching for "Winter Wonderland," as long as you concentrate on the road.
   • All of these distractions can be dangerous.
   • Right! According to the U.S. Department of Transportation, visual, manual and cognitive distractions can be a danger on the road. Check out these tips to avoid distracted driving.
     
     
   • Wrong! According to the U.S. Department of Transportation, visual, manual and cognitive distractions can be a danger on the road. Check out these tips to avoid distracted driving.
     
     
   Next »Check My Answer!
4. Question 4 of 10

   4. Which season is most popular for road trips in the United States?

   • Summer -- who doesn't want to hit the road when it's sunny and warm? It's a great time to explore all the U.S. has to offer.
   • Thanksgiving -- when it comes to a turkey dinner, there's no place like (your mother’s or grandmother’s) home.
   • Christmas -- everyone thinks Thanksgiving is the most-traveled holiday, but it's really Christmastime.
   • You got it! According to the Bureau of Transportation Statistics, the number of long-distance road trips (50 or more miles, round trip) climbs 53 percent above average during the six-day Thanksgiving travel period. That figure increases only by 23 percent during the Christmas and New Year's travel period–apparently, turkey is a bigger motivator than egg nog and candy canes!
     
     
   • Incorrect! According to the Bureau of Transportation Statistics, the number of long-distance road trips (50 or more miles, round trip) climbs 53 percent above average during the six-day Thanksgiving travel period. That figure increases only by 23 percent during the Christmas and New Year's travel period–apparently, turkey is a bigger motivator than egg nog and candy canes!
     
     
   Next »Check My Answer!
5. Question 5 of 10

   5. You're on a trip in late December, and your rear wheels start to skid on the icy road. In order to safely recover, what should you do?

   • Steer in the direction you want to go (so, if your back wheels are skidding toward the right, you turn the steering wheel toward the right to correct it.)
   • Steer in the opposite direction of the skid (so, if your back wheels are skidding toward the left, you turn the steering wheel toward the right to correct it.)
   • Hit the brakes. The best thing to do is stop as soon as possible.
   • Right on! If your rear wheels start to skid toward the right, you should turn the steering wheel toward the right to correct it. If you overcorrect and the rear starts sliding toward the left, gently steer toward the left to get yourself straightened out. Never slam on the brakes in the ice -- or you could lose control.
     
     
   • That's not correct! If your rear wheels start to skid toward the right, you should turn the steering wheel toward the right to correct it. If you overcorrect and the rear starts sliding toward the left, gently steer toward the left to get yourself straightened out. Never slam on the brakes in the ice -- or you could lose control.
     
     
   Next »Check My Answer!
6. Question 6 of 10

   6. You're driving home from holiday shopping when the car in front of you slams on the brakes. You don't notice in time, and you rear-end the car. If the accident is deemed your fault, what part of your auto insurance policy would help pay for damage to your own car?

   • Liability coverage
   • Comprehensive coverage
   • Collision coverage
   • You're right! While liability coverage helps you pay for damage to someone else's vehicle in an accident that's your fault, you'd need collision coverage to help pay for your own car in the event of an accident that's your fault.
     
     
   • You're wrong! While liability coverage helps you pay for damage to someone else's vehicle in an accident that's your fault, you'd need collision coverage to help pay for your own car in the event of an accident that's your fault.
     
     
   Next »Check My Answer!
7. Question 7 of 10

   7. For the holidays, you receive an amazing stereo system to install in your car. Is this likely covered under your insurance policy?

   • No -- you likely need to purchase additional coverage for expensive, after-market car stereo equipment.
   • Yes -- once it's installed, the stereo equipment qualifies as part of your car.
   • Yes -- the stereo equipment will likely be covered under the personal property protection of your homeowners insurance policy.
   • Right on! For expensive after-market add-ons, like stereo systems, there is additional coverage you can buy to add on to your auto insurance policy. Click here for more information.
     
     
   • Wrong answer! For expensive after-market add-ons, like stereo systems, there is additional coverage you can buy to add on to your auto insurance policy. Click here for more information.
     
     
   Next »Check My Answer!
8. Question 8 of 10

   8. The amount of money you pay toward a covered loss before the insurer pays for damages associated with an auto insurance claim is called ________.

   • Diminished value
   • The deductible
   • The premium
   • That's right! The deductible is your portion of the out-of-pocket claim cost you agree to pay when you make a claim covered by your policy. Click here for more information.
     
     
   • Wrong! The deductible is your portion of the out-of-pocket claim cost you agree to pay when you make a claim covered by your policy. Click here for more information.
     
     
   Next »Check My Answer!
9. Question 9 of 10

   9. All your teenage son wants for the holidays is his driver's license. The legal age for teens to begin learning to drive varies by state. What's the youngest age that any state allows teens to legally begin learning to drive under supervision?

   • 13
   • 14
   • 15
   • That's right! Under Graduated Driver Licensing laws, the learner stage begins as early as age 14 in six U.S. states -- Alaska, Arkansas, Iowa, Kansas, North Dakota and South Dakota. The minimum age varies in other states from 14 1/2 years old to 16.
     
     
   • That's not the right answer! Under Graduated Driver Licensing laws, the learner stage begins as early as age 14 in six U.S. states -- Alaska, Arkansas, Iowa, Kansas, North Dakota and South Dakota. The minimum age varies in other states from 14 1/2 years old to 16.
     
     
   Next »Check My Answer!
10. Question 10 of 10

    10. You're driving home from a holiday trip, and it's raining cats and dogs. Which of these is a good idea?

    • Put on the cruise control -- keeping your speed consistent will help you avoid wrecks.
    • Pump your brakes when you come to a stop, to avoid skidding.
    • Remove your foot from the gas pedal to decrease your speed before braking, to avoid hydroplaning.
    • Correct! The National Safety Commission says it's safer to slow down before you brake. Because you have to brake to shut off cruise control, the cruise control may cause you to hydroplane.
      
      
    • Wrong answer! The National Safety Commission says it's safer to slow down before you brake. Because you have to brake to shut off cruise control, the cruise control may cause you to hydroplane.
      
      
    Next »Check My Answer!

Your Score:

Congrats! You've earned a from the Allstate Auto Insurance Mega-Quiz!

 

 

 

 

 

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