Do you know the difference between comprehensive and collision coverage? What is gap insurance for? And you know who pays will be if a friend borrows your car and then it crashes?
If you're like most American motorists, chances are that you can not answer those or others are relatively basic questions about your coverage, what might call auto insurance 101. A multiple choice survey of 500 driver, which headed by Insurance.com found that the average score a miserable 32%, and although higher than 39 for sex, age and region, accounting, no group generated %.
"Driver its policy can see as blah," said Michelle Megna Insurance.com editor. "her eyes move over the words, but there is no understanding."
Ironically, who admitted, scored a "terrible" level of knowledge about self-insurance higher than those, which are rated "excellent", 28% rated up to 26%. The self ranked as "good" in General scored best at 34%.
Even the overall weak performance suggests that motorists are likely to make some significant errors, if it before time for insurance coverage, especially if it over the increasingly frequent way work walking an online service that can offer not the guidance of a trained agent.
The quiz questions ten fundamentals of auto insurance. The lowest scores reflected a lack of knowledge about:
Select the right comprehensive coverage, only 2% multiple choice answer.
Only 7% did the typical discounts for motorists; and
The factors, only 8% use insurance to understand sentences.
On the positive side:
All 71 percent know their insurance in the contact is, if a friend borrows your car and then it crashes.
And 69% know what covers personal injuries the medical payment;
Just over half, white 55%, which gap insurance will cover, if a car is fraud.
Part of the problem, said Megna, is the choice of terms to use the insurance companies. Take so-called "nationwide". It takes such things as theft, fire, vandalism or striking an animal while driving. But it does not cover, colliding with another car. This is part of your collision coverage.
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"His name is unfortunately quite misleading - it is not"comprehensive"enough - clearly leads to confusion among car insurance buyers,", Megna said.
Drivers over 40 scored leader which in the South is the best on the survey, an average of 39%, men, 35% to 27%, and by region, compared to only 24% among those in the age from 18 to 29 women outscored 34%, compared to only 29% among those living in the Northeast.
Perhaps the most terrifying part of the study? The lowest, only 28% transformed those who have read their policy from the front to rear. Apollo flight skim milk, by slightly better - but who the highest score an average 35%-nie disturbed got to read the policy.
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