State Farm Auto exam 2022/2023 with 100% correct answers

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Who is covered under an Auto Policy? You, your spouse and any other person using the car with your consent are covered for Your Car, A Temp Substitute Car, A Car that Replaces your car How lon... g will your policy provide coverage for a newly acquired car? Up to 14 days after you take possession of the car. Liability- Coverage A Pays damages due to bodily injury and property damage to others for whch you are responsible. If you are sued, it also pays your defense and court costs. Medical Payments- Coverage C Pays medical and funeral expenses for bodily injury sustained by a covered person in a car accident. Expenses must be reasonable and necessary, and for services furnished within three years after the accident What is the most Medican Payments coverage will pay for funeral expenses? The lower of your limit or $3,000 Uninsured Motor Vehicle Coverage (U and U1) Coverage U pays damages when an insured is injured in a car accident caused by another person who does not have any liability insurance. Coverage U1 pays damages for the insured's injuries the same as coverage U, in addition to property damage caused by accident by another person who does not have any liability insurance. Underinsured Motor Vehicle Coverage Pays damages when an insured is injured in a car accident caused by another person who has liability insurance, but whose available limits are less than the limits you chose for this coverage. Comprehensive Coverage Pays for a covered car that is stolen or damaged by causes other than collision or upset. Comprehensive will also pay for substitute transportation expenses of up to $25 a day, up to a total of $750, if your car is stolen. Collision Coverage Pays for a covered car that is damaged by collision with another object or by the overturning of the car. A deductible is required. Emergency Road Service Coverage Pays the reasonable expense for Mechanical labor for up to one hour at the place of its breakdown, Towing to the nearest place where repairs can be made, Towing the car out if it is stuck on or next to a public road, Delivery of gas, oil, battery, or change or tire, but no the cost of such items, locksmith labor for up to one hour to unlock a covered car it its key is lost stolen, or locked inside the car T or F; You may call any service provider in the areafor Emergency Road Service TRUE Car Rental Coverage Pays up to the amount you choose, when you rent a car while your car is not drivable due to a loss that would be payable under comprehensive coverage or collision coverage. Limit Options for Car Rental Each Day: $25, $50, 80% Each Occurrance: $600, $1200, $1500 Travel Expenses Coverage Pays up to $500 total for the following incurred expenses for all persons when your car is not drivable as a result of a loss that occurs more than 50 miles from home; meals, lodging, and transportation home or on to your destination and the return trip to pick up your car Death, Dismemberment, and Loss of Sight Coverage Pays if the covered person dies as a result of injuries sustained in a car accident. Limits of $5000 and $10000 are available. We will pay the amount shown in the schedule. Death, dismemberment, or permanent loss of sight must occur within 90 days of the accident. Loss of Earnings Coverage This coverage pays for lost earnings f a covered person is unable to work in his or her occupation or any other similar occupation for which he or she is reasonably fitted by education, training, or experience. We will pay 85% of the loss of weekly earnings after the first 7 days of total disability, up to $250/week and up to $15000 total.Disability must occur within 20 days after accedent and must last at least 30 days. List State Farm Discounts Good Driving Discount, Accident Free Discount, Multiple Line Discount, Multiple Auto Discount, Passive Restraint Discount, Vehicle Safety Discount, Steer Clear Safe Driver Discount, Good Student Discount New policy holders who cover a private passenger car and no drivers in the household have had at-fault accidents or violations during the past three years receive what discount? Good Driving Discount If your car has been with State Farm for at least three years without a chargeable accident during this period, you will receive a discount on the premiums for Bodily Injury and Property Damage Liability, Medical Payments, and Collision Coverages. This discount may increase over time if the policy remains in force and there continue to be no chargeable accidents Accident-Free Discount [Show More]

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