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Name________________COMPARE: Types of Car Insurance There are many types of coverage within a car insurance policy, but many of them are optional (depending on which state you live in). Knowing what type of coverage applies in a given situation can be crucial to ensuring you have the right type of coverage to protect you from any situation you might encounter.Part I: Name that CoverageRead the description below, and correctly identify the type of coverage. Use the video “Understanding 5 Types of Car Insurance Coverage” as a reference to help make your decisions.If your car was damaged in an accident, I’ve got your back. It doesn’t matter who was at fault while driving. However, if the damage came from something besides a crash, I won’t be around to help you.I am…You are hit in an accident by another driver. At the hospital, you discover the other driver doesn’t have insurance to cover your medical bills. That’s when I kick in!I am…Doesn’t matter who was at fault, if you’re in a car accident and need your injuries paid for, I’m there for you. Simple as that. However, anything beyond your injuries and I can’t help you.I am...I’m the best friend of new and/or expensive cars, because repairing even small damage can be incredibly costly. Did I mention that the damage doesn’t even have to be from an accident with another driver? Nope! If you hit an animal, or your car is stolen, or a tree falls on it, I’ve still got you covered! (But read my fine print because there are a few cases I won’t cover).I am…I’m the one you call when you cause damage to other people and vehicles. I protect others against you in case an accident is your fault (which protects you… in your wallet). But I won’t pay for any damage to your car or body.I am...Part II: ScenariosRead the following scenario and describe which type(s) of insurance would be able to help the people involved. *Important Note: You can’t buy the insurance AFTER the accident and still expect to be covered. You’d need to be already insured with the specific insurance type in order to file a claim.Stephen is slowing down as he approaches a red light. He is looking in his mirror to switch lanes and misjudges how close Keisha’s car is, rear-ending her car. When they get out and assess the damage, Keisha’s bumper will need to be replaced. What type(s) of insurance could Stephen use to cover this accident?Keisha had some discomfort in her neck at the time of the accident but thought it was minor and would go away. A week or so after the accident, Keisha finally goes to the doctor, who diagnoses her with whiplash and recommends two months of physical therapy. What type(s) of insurance could Keisha use to cover this accident?Melanie get into an accident on the highway that sends her to the hospital for three weeks with multiple broken bones. Her hospital bill totals over $32,000, but she discovers that the woman who hit her only has $25,000 worth of liability insurance. What type(s) of insurance could Melanie use to cover this accident?Bernard is driving late at night down a narrow road when a deer runs across the road. Bernard doesn’t have time to avoid the deer and hits it. His windshield gets smashed and his bumper is partially ripped off, but Bernard is okay. What type(s) of insurance could Bernard use to cover this accident?Alicia is at the bar on Friday night drinking with her friends, and then decides to drive home. On her drive, she swerves to avoid a piece of debris in the road, and slides into a ditch. Alicia is okay, but her car has $8,000 worth of damage. What type(s) of insurance could Alicia use to cover this accident? ................
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