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Auto Insurance Claims Process: Not-At-Fault Accident Quiz

16 Questions

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Auto Insurance Claims Process: Not-At-Fault Accident Quiz

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Questions and Answers

What will insurance companies provide if your vehicle is damaged?

A rental car at their expense, ensuring a similar type of vehicle (correct)

Discounts on future insurance premiums

Reimbursement for public transportation costs

A cash settlement for the vehicle's damage

What might cause a delay in obtaining a specific type of rental vehicle?

Location and rental market factors (correct)

Type of vehicle damaged

Insurance company's processing time

Weather conditions

What will insurance companies cover following an accident?

Property damage and towing fees

Vehicle repair costs only

Lost wages and emotional distress

Medical bills, doctor visits, prescription drugs, rehabilitation, and testing (correct)

When should you report the claim yourself with a police report if you haven't received a call from the insurance company?

Within two to three days Signup and view all the answers

When is a police report essential in reporting the claim for the other party's insurance?

When no call has been received from the insurance company Signup and view all the answers

What do many insurance policies have limitations on coverage for?

People who do not live at the policyholder's residence or are not listed as drivers Signup and view all the answers

What are the options if the at-fault driver has no insurance or does not have sufficient coverage?

Suing the individual or seeking compensation from your own insurance company Signup and view all the answers

Which coverage can help finish paying for bodily injury or property damage in certain situations?

Underinsured motors coverage Signup and view all the answers

What are the coverages that you may want to look into buying?

Bodily injury and property damage Signup and view all the answers

What should you do at the scene of an auto accident where you're not at fault?

Exchange insurance information with the other party and take photos of their insurance card Signup and view all the answers

What information does the police report for an auto accident typically include?

Time, date, location, weather, vehicle and driver information, insurance information, and witness details Signup and view all the answers

What should you do after obtaining the police report for an auto accident?

Inform your insurance company and provide them with a copy of the police report Signup and view all the answers

What does the insurance company typically do regarding repairs for an auto accident?

Pay the body shop directly for the repairs Signup and view all the answers

What is a possible outcome if your preferred body shop is not chosen by the insurance company?

You may need to pay the initial cost and then get reimbursed Signup and view all the answers

What happens if policy limits are exhausted?

The other party may be pursued for payment, but they might not have the means to pay Signup and view all the answers

What is the purpose of uninsured motorist coverage?

To protect against accidents caused by drivers without insurance Signup and view all the answers