AUTO DAMAGE & THEFT ACTUAL EXAM
PAPER 2026 QUESTIONS WITH SOLUTIONS
GRADED A+
●● What is included in the Insuring Agreement? Answer: The insurer
agrees to pay for any direct and accidental loss to a covered auto or any
nonowned auto.
●● What are the two types of optional coverages available? Answer:
Collision coverage and Other-than-collision coverage.
●● What constitutes a Collision loss? Answer: The upset of your
covered auto or nonowned auto or its impact with another vehicle or
object.
●● Is collision damage paid regardless of fault? Answer: Yes, it is paid
regardless of fault.
●● What happens if the entire amount of loss is recovered? Answer:
Your insurer pays you back the deductible.
●● What is considered Other-than-Collision loss? Answer: Theft of an
insured auto or any damage that is not stated in collision loss.
PAPER 2026 QUESTIONS WITH SOLUTIONS
GRADED A+
●● What is included in the Insuring Agreement? Answer: The insurer
agrees to pay for any direct and accidental loss to a covered auto or any
nonowned auto.
●● What are the two types of optional coverages available? Answer:
Collision coverage and Other-than-collision coverage.
●● What constitutes a Collision loss? Answer: The upset of your
covered auto or nonowned auto or its impact with another vehicle or
object.
●● Is collision damage paid regardless of fault? Answer: Yes, it is paid
regardless of fault.
●● What happens if the entire amount of loss is recovered? Answer:
Your insurer pays you back the deductible.
●● What is considered Other-than-Collision loss? Answer: Theft of an
insured auto or any damage that is not stated in collision loss.
