NORTH PLC EVERFI MODULE 7 "INSURANCE"
4 minutes ago
jimmy_means_00455
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31 QuestionsShow answers
  • Question 1
    30 seconds
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    Q.

    Wearing a seat belt, not texting when driving, and driving carefully are all examples of...

    answer choices

    insurance policies.

    warranties.

    risk management strategies.

    deductibles.

  • Question 2
    30 seconds
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    Q.

    Which is not an example of a risk management strategy?

    answer choices

    Wearing reflective clothing while biking at night

    Buying a new car

    Wearing a helmet while biking

    Wearing a seat belt while driving

  • Question 3
    30 seconds
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    Q.

    An example of a risk management strategy is...

    answer choices

    wearing a seat belt while driving.

    carpooling.

    wearing a helmet when biking.

    A and C

  • Question 4
    30 seconds
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    Q.

    What should you NOT use a loan to purchase?

    answer choices

    A house

    Tuition for higher education

    Airline tickets to your dream vacation

    A car

  • Question 5
    30 seconds
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    Q.

    What is a risk management strategy you could use to protect your home?

    answer choices

    Buying a home security system

    Installing front porch cameras to monitor your home

    Purchasing reflective clothing to wear while biking at night

    A and B

  • Question 6
    30 seconds
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    Q.

    How is having a security system for your home a risk management strategy?

    answer choices

    The security system will allow you to keep your doors unlocked.

    The security system will alert authorities and deter criminals, protecting your valuables and property.

    The security system will give you peace of mind.

    The security system will let you know when visitors knock on your door.

  • Question 7
    30 seconds
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    Q.

    Buying a home security system is an example of protecting your home against________.

    answer choices

    deductibles

    risk

    warranties

    Insurance

  • Question 8
    30 seconds
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    Q.

    Why is it important to have insurance?

    answer choices

    It's important to have insurance so people can protect themselves from losing a lot of money in the event of an unpredictable event or something happens to them or their property.

    So individuals can defend against the possibility of financial loss due to unpredictable event

    So people can engage in risky behavior without financial consequences

    A and B

  • Question 9
    30 seconds
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    Q.

    Something people buy to protect themselves from losing a lot of money in the event something happens to them or their property is known as...

    answer choices

    risk management.

    liability.

    warranty.

    insurance.

  • Question 10
    30 seconds
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    Q.

    What do people purchase as a form of risk management to protect themselves from losing a lot of money in the event something happens to them or their property?

    answer choices

    Insurance

    Deductibles

    Warranty

    Liability

  • Question 11
    30 seconds
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    Q.

    What can insurance protect you from?

    answer choices

    Theft

    Contract fees

    Financial loss

    A and C

  • Question 12
    30 seconds
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    Q.

    How can insurance protect you from financial loss?

    answer choices

    Insurance can cover you or your property in case of an accident, theft, or another unpredictable event.

    Insurance can offer easy monthly payment options for premiums.

    Insurance can offer low co-insurance policies.

    Insurance can offer warranties on household items

  • Question 13
    30 seconds
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    Q.

    Why should you purchase insurance?

    answer choices

    To prevent financial burden in the case of an accident, theft, or another event

    To get a warranty on a household item

    To purchase monthly premiums

    To avoid committing a crime

  • Question 14
    30 seconds
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    Q.

    When filing an insurance claim, the policyholder must pay a ________________, which is the amount you owe before insurance will cover the rest of the bill.

    answer choices

    deductible

    premium

    contract fee

    commission

  • Question 15
    30 seconds
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    Q.

    An insurance deductible is...

    answer choices

    the monthly premium on an insurance policy.

    a commission paid to the agency for the purchase of a policy.

    the amount you owe before insurance will cover the rest of the bill.

    the contract fee applied to the monthly premium.

  • Question 16
    30 seconds
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    Q.

    A deductible is paid by...

    answer choices

    the insurance company.

    the policyholder.

    the claims adjuster.

    the government.

  • Question 17
    30 seconds
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    Q.

    An insurance premium is...

    answer choices

    the amount of money you pay for an insurance policy.

    the amount of money you pay for an insurance policy.

    a commission paid to the agency for the purchase of a policy.

    an extra fee you need to pay your insurance for filing a claim out of network.

  • Question 18
    30 seconds
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    Q.

    An insurance premium is paid by...

    answer choices

    the insurance company.

    the claims adjuster.

    the government.

    the policyholder.

  • Question 19
    30 seconds
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    Q.

    If you get into a car accident, your _______________ may increase because you will be considered riskier for insurance companies to cover.

    answer choices

    insurance premium

    claims adjustment

    car loan payment

    taxes

  • Question 20
    30 seconds
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    Q.

    Insurance that will pay for injury to another driver and/or damage to their car if you are in an accident is

    called...

    answer choices

    comprehensive insurance.

    liability insurance.

    collision insurance.

    uninsured motorist insurance.

  • Question 21
    30 seconds
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    Q.

    Liability insurance is...

    answer choices

    insurance that will pay for injury to another driver and/or damage to their car if you are in an accident.

    insurance that will pay for damage to your car in the event of an accident.

    insurance that will pay for damage done by someone who doesn’t have insurance.

    Insurance that will cover injuries to yourself in the event of an accident.

  • Question 22
    30 seconds
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    Q.

    What does liability insurance not cover in the event of an accident?

    answer choices

    Damage to someone else’s car

    Damage to someone else’s property

    Injury to yourself

    Injury to the other driver

  • Question 23
    30 seconds
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    Q.

    Collision insurance is...

    answer choices

    insurance that will pay for injury to another driver and/or damage to their car if you are in an accident.

    insurance that will pay for damage to your car by someone who doesn’t have insurance.

    insurance that will cover injuries to yourself in the event of an accident.

    insurance that will pay to get your car fixed in the event of an accident.

  • Question 24
    30 seconds
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    Q.

    Insurance that covers damage to your car from an accident is called...

    answer choices

    collision insurance.

    liability insurance.

    comprehensive insurance.

    uninsured motorist insurance

  • Question 25
    30 seconds
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    Q.

    What will collision insurance cover in the event of an accident?

    answer choices

    Damage to someone else’s car

    Damage to your car

    Damage to someone else’s property

    Bodily injuries

  • Question 26
    30 seconds
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    Q.

    What is a consequence of not having health insurance?

    answer choices

    You must pay all costs for health care and medical emergencies.

    You’re not allowed to go to a hospital.

    You will get a lower standard of care from doctors.

    You can only see doctors in your home state.

  • Question 27
    30 seconds
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    Q.

    Which of the following is not an advantage of having health insurance?

    answer choices

    People with health insurance can skip lines in emergency rooms.

    Health insurance protects you financially from medical emergencies.

    Health insurance lowers your risk of acquiring medical debt.

    Health insurance allows some medical procedures to be covered by a low cost co-pay.

  • Question 28
    30 seconds
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    Q.

    Which of the following is a reason someone should get health insurance?

    answer choices

    Health insurance allows all medical procedures to be covered for free.

    People with health insurance can get faster access to medical care at emergency rooms.

    Health insurance protects you financially from medical emergencies.

    Most health insurance policies also covers non medical procedures.

  • Question 29
    30 seconds
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    Q.

    When is it ok not to have health insurance?

    answer choices

    If you are young and healthy.

    You should always have health insurance.

    If you do not have a full time job.

    If you are a student under the age of 26.

  • Question 30
    30 seconds
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    Q.

    All of the following are true about health insurance except:

    answer choices

    Purchasing health care can help save you from medical bankruptcy.

    Health insurance decreases your healthcare costs.

    If you don’t have health insurance, you pay all costs for healthcare and medical emergencies.

    Being young and healthy means you can skip out on health insurance.

  • Question 31
    30 seconds
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    Q.

    Choose the statement that is true about health insurance.

    answer choices

    You should always have health insurance, regardless of your circumstances.

    You don’t need health insurance if you are under age 26.

    You don’t need health insurance if you are young and healthy.

    You do not need health insurance if you do not have a full time job.

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