Bubby's Auto Tags & Insurance - Auto Insurance Quiz

Auto Insurance Quiz

1) How long will driving violations affect my auto insurance price?
A) 1 year.
B) 3 years.
C) 5 years.
D) Forever. There is a special place in Hell for people who don't use their turn signal.

2) Pennsylvania requires you to have auto insurance to register your car. What is the minimum required and what does it cover?
A) Damage to your own car.
B) Liability coverage. Examples: Injuries to someone else if you are at fault or sued, damage to someone else's property (another car or a building).
C) Alien invasions.

3) Wait, if insurance is only required to cover someone else or their stuff, what covers MY car?
A) Soft, fluffy pillows.
B) The other driver's property damage coverage, if they are at fault and have insurance.
C) Comp and Collision coverage (AKA "Full Coverage") if you purchased it, or, if the other driver is at-fault, but doesn't have enough property damage coverage.
D) Both B & C.

4) What covers me if I am injured in an accident?
A) At least $5000 in medical coverage if you have insurance.
B) My personal health insurance, once A has been exhausted.
C) Possibly the other driver's bodily injury liability coverage, if they have insurance.
D) My uninsured or underinsured motorist coverage, if the other driver doesn't have insurance or has too little.
E) All of the Above.

5) Who pays for all those stupid freaking insurance commercials, anyway?
A) Obama.
B) Romney.
C) Money grows on trees.
D) Insurance customers. That money could have gone towards lowering my price or paying my claim.

6) What happens if your insurance lapses for 30 days?
A) You save a lot of money on your insurance payments.
B) You will go to jail.
C) Penndot will suspend your car's license plate for 3 months.
D) A professional MMA fighter in a gorilla suit will come to your house and beat you mercilessly in the dead of night.

7) What is the difference between full tort and limited tort on your auto insurance policy?
A) Limited tort restricts your right to sue for pain & suffering.
B) Full tort allows you unrestricted rights to sue for pain and suffering.
C) Limited tort costs less.
D) Full tort costs more.
E) All of the above.

8) Why is it good to have an independent insurance agent?
A) An independent agent will know you! You won't get a call center with people who could care less about you.
B) An independent agency offers multiple insurance companies. They can shop for the best price and best coverage for you.
C) An independent agent will try to answer my insurance questions & is there whenever you need help.
D) All of the above.

9) For how long can accidents or claims effect my auto insurance price?
A) 1 year.
B) 3 years.
C) 5 years.
D) Forever. An insurance company is like an elephant. They are huge and will crush you if you even contemplate messing with them.

10) What's the cheapest way to pay for insurance?
A) Pay in full for the whole term.
B) Ask for automatic withdraws from your bank account.
C) Monthly, by mail.
D) Late. You ain't takin' my money!