State Farm Training Test

Liability - ANSWER-Protects you if you are presumed by someone else because you hurt them No Fault/One way/PLPD - ANSWER-Liability coverage only (no collision or comprehensive) Standard Collision - ANSWER-Regardless of fault insured has to pay a deductible Broad collision - ANSWER-Insured doesn't have to pay deductible if not at fault P300 - ANSWER-Primary medical expenses, prImary wage loss with a $300 deductible P4 - ANSWER-Coordinated medical expenses, Primary wage loss P2 - ANSWER-Coordinated medical expenses, coordinated wage loss Solid P - ANSWER-Primary medical expenses, primary wage loss, no deductible Medicaid - ANSWER-Low income health insurance Medicare - ANSWER-Health insurance for people 65 and older Collision - ANSWER-Collision with another vehicle, object, person or rollover Comprehensive - ANSWER-Fire, wind, hail, flood, vandalism, theft, hitting animal or bird Death, dismemberment and loss of sight (S) - ANSWER-Pays specific amount if the covered person dies, sustains dismemberment, or loses sight as a result of injuries sustained in a car accident Loss of Earnings (Z) - ANSWER-Pays a percentage up to the policy limits of a covered person's lost earnings as a result of injuries sustained in a car accident Medical Payments (C) - ANSWER-Pays medical and funeral expenses sustained by the insured and all passengers in an insured vehicle resulting from an auto accident (per person limit for each accident) Personal Injury Protection - ANSWER-Pays medical expenses and a percentage of lost wages due to injuries resulting from an auto accident Underinsured motorist coverage - ANSWER-Pays damages when a covered person is injured in a car accident caused by a driver who is insured but doesn't have liability insurance to cover the damages Uninsured Motorist Coverage - ANSWER-Pays damages for injury to an insured when the insured is in a car accident caused by someone who does not have liability coverage Coverage A - Dwelling Coverage - ANSWER-Insured the Home, structures attached to it (porch or garage), and unattached structures on the property not used for business or rented to others (unless used exclusively as a private garage) Coverage B - Personal Property - ANSWER-Protects the customer's personal property (e.g. clothing, furniture, etc.). It also provides protection for the customer's personal property that is with them while away from home in many places throughout the world Coverage C - Loss of Use - ANSWER-Includes additional living expense and fair rental value. Additional living expense provides payment for the necessary increase in cost to maintain the customer's standard of living when damage renders their home uninhabitable due to a covered loss. The amount of coverage is either a dollar value or may be limited to actual costs for up to 24 months Coverage L - Personal liability - ANSWER-Provides protection for the customer if somebody makes a claim or brings suit against them for bodily injury or property damage for which the customer(s) is found responsible Coverage M - Medical Payments to Others - ANSWER-Provides payment for medical expenses up to the policy limits for people who are on the customer's premises with their permission and accidentally injured