51) 51) Tom wanted to receive as many discounts on his home insurance as possible. Which of the following would NOT provide a discount? A) Deadbolt locks B) Smoke detector. Fire extinguisher. D) Alarm systems. E) All of these should provide a discount for Tom. 521 Amber had permission from Bradley to borrow his car to run some errands. Infortunately, while Amber was driving, she looked down to change songs on her iPod and sideswiped a car and hit a bicyclist. Based on her experience, which of the following would be true? A) Amber's insurance policy should cover any property damage claims since she was driving Bradley's car with his permission. B) Amber's insurance company should refuse coverage of her medical payments because she was not driving in her own vehicle. The bicyclist should cover his own medical expenses because he was at fault for riding on the road. D) The insurance company of the owner of the sideswiped car should pay for all damages since the car was illegally parked. E) Amber's insurance should not cover any damage since she carried liability, collision, and comprehensive coverage. 53) Medical payments coverage applies to medical expenses of A) Anyone in your vehicle who is injured, except the driver. B) The owner of the vehicle, but not other passengers. C) The uninsured motorist who causes an accident. D) The driver, but no passengers who are injured. E) Anyone who is injured in your vehicle, including you. 54) 54) Timothy was driving his friend Nick to football practice. While driving, he was hit by a driver who had coverage of 100/300/50. Tim and Nick each suffered some physical injuries. Based on this information, which of the following is correct? A) Timothy's injuries would be covered to $100 and property damage would be limited to $300. B) The total coverage for Timothy and Nick would be $100,000, and the driver who caused the accident would be covered to $50,000. C) Nick's injuries would be covered to $50,000. D) The policy would provide a maximum of $100,000 for each person who was injured, and no more than $300,000 for total injuries of all parties in the accident. E) Individually, Timothy and Nick's injuries would be covered to $300,000 each. 55) Which of the following is a type of motor vehicle insurance a A) Rental reimbursement coverage B) Towing and emergency road service coverage c) Wage loss insurance D) All of the above may be available to drivers E) None of the above are available to drivers. 56) Which of the following should reduce your auto insurance premium? A) Maintain good grades in college B) Increase your number of claims C) Start smoking D) Decrease your deductible E) Get a speeding ticket 57) Last month some of your friends were injured in an accident. Their total injuries were as follows: Brenda Raquel Louis $85,000 $125,000 $40,000 Coverage was 100/300/50. What was the total medical coverage in this accident? A) $40,000 B) $225,000 $250,000 D) $85,000 E) $125,000 TRUE FALSE. Write T if the statement is true and F if the statement is false. 58) All group health insurance plans provide the same level of protection 59) The Health Insurance Portability and Accountability Act of 1996 set new federal standards to ensure that workers would not lose their health insurance if they changed jobs. 60) Surgical expense insurance pays all or part of the surgeon's fees for an operation in a doctor's office. 61) A health insurance policy that pays you back for actual expenses is called a reimbursement policy. 62) A PPO is a group of doctors and hospitals that agree to provide health care at rates approved by the insurer 63) A Medicare Advantage Plan (Part C) combines your Part A (Hospital) and Part B (Medical) coverages into one plan. ULTIPLE CHOICE. Choose the one alternative that best completes the statement of a completes the statement or answer the question. 64) 64) What is the primary purpose of medical expense insurance? A) Pay actual medical costs for illness or injury. B) Pay a salary if an employee is disabled. C) Protect against death expenses. D) Provide payments to make up for some income of a person who cannot work as a result of injury or illness. E) Repay loans if an employee cannot work because of illness or injury. 65) Most people receive health insurance under a group plan from A) Their employer. B) Their bank or lending institution. C) Individual plans. D) COBRA E) All of the above. 66) 66) The Health Insurance Portability and Accountability Act of 1996 A) Sets state standards to ensure that workers do not lose their health insurance if they change jobs. B) Is a replacement for the Consolidated Omnibus Budget Reconciliation Act of 1986. C) Sets federal standards to ensure that workers do not lose their health insurance if they change jobs. D) Applies to individual health insurance policies. E) Prevents employees from moving from one group health plan to another without a lapse in coverage. 67) 67) COBRA stands for A) Consolidated Omnibus Budget Reconciliation Act. B) Coverage of Benefits Reduction Act. C) Consolidation of Benefit Reapplication Act. D) Continuation of Benefits for Retirees Act. E) Coverage of Benefits for the Retired Act. 68) 68) The type of health insurance coverage that pays for some or all of the daily costs of room and board during a hospital stay is A) Dental expense. B) Surgical expense. Hospital expense. D) Physician expense. E) Major medical expense