1. When you apply for insurance, how does the insurance company assess what kind of driver you are?
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The only consideration is how old you are
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They guess, based on the accumulated statistics for drivers in your demographic
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They'll only take you if you haven't been in any accidents
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None of the above
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2. A car that's totaled is
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Not drivable
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Worth less, after the deductible, than the cost of restoration
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Worth less than the deductible
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Completely destroyed
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3. How much bodily injury liability insurance do you need?
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Enough to meet state minimum coverage limits
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$100,000 per person
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$300,000 per accident
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$100,000 per person and $300,000 per accident
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4. The average driver files a collision claim
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Every ten years
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Every six years
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Every four years
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Every three years
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5. Which of these indicators would probably make your auto insurance cheaper?
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A clean driving record for at least 36 months
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Completing a defensive driving course
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Purchasing a car in a make that's not frequently stolen
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All of the above
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6. When you file a collision claim, be sure to
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Let the insurance company handle everything
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Demand quality parts. Request equipment from the original manufacturer
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Use a repair shop in your insurer's network of preferred providers
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Make the other person in the accident pay the deductible
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7. Which of these could easily get you dropped from your auto insurance?
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Failing to report a teenage driver
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Getting into your first fender-bender
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Taking driver's education
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Running a red light
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8. When a hit-and-run driver strikes your car, what kind of coverage will you need?
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Uninsured motorist coverage
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Personal injury protection
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Bodily injury liability insurance
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Property-damage liability protection
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9. Which of these kinds of insurance must you have?
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Towing and labor coverage
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Rental coverage
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Medical-payments coverage
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Uninsured motorist coverage
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10. What kind of records can insurers access?
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Your motor vehicle record
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Credit record
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History of claims with other insurers
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All of the above
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