Geico Insurance Flashcards
7 cards from real Geico Assessment Test practice questions. Tap to flip, then mark Knew It or Still Learning — missed cards come back until you master them.
Read the first 7 Geico Insurance flashcards as text
GEICO is best known as a direct-to-consumer insurer. What does 'direct-to-consumer' mean for customers?
Answer: Customers buy policies directly from GEICO without a local agent
GEICO's direct model lets customers purchase online or by phone without going through an agent.
A customer's car is declared a 'total loss.' What does this typically mean?
Answer: The cost to repair exceeds the vehicle's actual cash value
A total loss occurs when repair costs surpass the vehicle's actual cash value.
Which factor generally has the LEAST impact on an auto insurance premium?
Answer: The color of the vehicle
Car color does not affect premiums; driving record, vehicle type, and location do.
A policyholder calls upset about a denied claim. What is the best first step for a representative?
Answer: Listen actively and acknowledge the customer's concern
Active listening and empathy de-escalate the situation before explaining options.
What does a 'deductible' represent in an auto policy?
Answer: The amount the policyholder pays before insurance covers the rest
A deductible is the out-of-pocket amount paid before coverage kicks in.
If a customer's annual premium is $1,200 paid monthly, what is each monthly payment (ignoring fees)?
Answer: $100
$1,200 divided by 12 months equals $100 per month.
Which coverage pays for damage to YOUR car from a collision regardless of fault?
Answer: Collision coverage
Collision coverage repairs your own vehicle after an accident regardless of fault.