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BML 13-4
Test Description: Ch 13 set 4
Instructions: Answer all questions to get your test result.
1) Uninsured motorist protection covers
A
insured drivers only when that insured driver is at fault.
B
uninsured drivers only when another uninsured driver is at fault.
C
insured drivers only when an uninsured driver is at fault.
D
uninsured drivers only when an insured driver is at fault.
2) If your car suffers $1,500 in damage in an accident and your deductible amount is $500, you will have to pay ___ and your insurance company will pay ____.
A
$1,000; $500
B
$500; $1,500
C
$500; $1,000
D
$0; $1,500
3) Under a(n) ________ plan, people injured in an auto accident collect for their financial losses from their own insurance companies, regardless of who caused the accident.
A
comprehensive
B
no-fault
C
all-risk
D
assigned-risk
4) Which of these is a true statement about automobile insurance?
A
It is expensive, but is required by law and you should buy an amount appropriate for your situation.
B
It is very inexpensive, so you should always buy as much coverage as possible.
C
It is very expensive, so you should never buy more than what is required by law.
D
It is expensive, so you should avoid buying it if you can.
5) Homeowners insurance usually covers all of these EXCEPT
A
damage or injuries caused by your pets.
B
expenses incurred while living someplace else while your home is being repaired.
C
damage you cause to someone else's home while visiting.
D
damage to your home caused by most weather events (tornados, hurricanes, etc.).
6) Which of these is usually a true statement?
A
The longer you keep a life insurance policy, the lower its cash value.
B
The longer you keep a life insurance policy, the higher its cash value.
C
The longer you keep a life insurance policy, the lower its face value.
D
The longer you keep a life insurance policy, the higher its face value.
7) Your need for life insurance is highest when you are
A
young, single, and have no children.
B
young and married with children.
C
retired and have adult children with their own careers.
D
middle-aged and have children but no debts.
8) Which of these does NOT affect the premium for life insurance?
A
your age
B
your occupation
C
your income
D
your health
9) Which of these statements is true?
A
Medicaid is administered by state governments for poor people.
B
Medicaid is administered by the federal government for elderly people.
C
Medicare is administered by state governments for elderly people.
D
Medicare is administered by the federal government for poor people.
10) People who purchase individual health insurance usually
A
do so because they are not eligible for group insurance.
B
are not self-employed.
C
do so because it is less expensive than group insurance.
D
do not have to have a physical exam.
*select an answer for all questions
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