Ontario Auto Insurance Quiz

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| By Halbeatty

Halbeatty

Community Contributor

Quizzes Created: 1 | Total Attempts: 577

Questions: 10 | Attempts: 577 | Updated: Mar 18, 2023

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Test your knowledge on Ontario auto Insurance. Pass or fail if you need any assistance do not hesitate to contact a Blue Sky Financial Group insurance broker at any of our 4 locations. Go to www. Bsfg. Ca to find a location near you.

Questions and Answers

1.

During a snowstorm in January you hit a parked car,The police officer at the scene attributes the accident to weather conditions.Your insurance company will rate the accident as.
- A.
  
  An At Fault Accident
- B.
  
  Will forgive the accident because of the weather conditions
- C.
  
  Will rate the accident as a Not At Faukt Accident
Correct Answer
A. An At Fault Accident

Explanation
The correct answer is "An At Fault Accident." This means that the accident is considered to be your fault, regardless of the weather conditions. The insurance company will rate the accident as at fault because you hit a parked car, indicating that you were responsible for the collision. The weather conditions may have contributed to the accident, but ultimately, it is still considered your fault.

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2.

You are stopped at a red light behind another vehicle when you are rear ended and pushed into the vehicle in front. Your insurance company will rate this accident as
- A.
  
  Not At Fault
- B.
  
  At Fault
- C.
  
  Partially at Fault
Correct Answer
A. Not At Fault

Explanation
In this scenario, since you were stopped at a red light and were rear-ended by another vehicle, it can be concluded that you are not at fault for the accident. The accident occurred due to the negligence of the driver who rear-ended your vehicle. Therefore, your insurance company will rate this accident as "Not At Fault."

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3.

You are travelling on a one way street and you are rear ended causing you to hit the vehicle in front of you. Under the fault determination rules you are deemed to be
- A.
  
  Not At Fault
- B.
  
  At Fault
- C.
  
  50% at Fault
Correct Answer
C. 50% at Fault

Explanation
Based on the given scenario, you are traveling on a one-way street and are rear-ended, which causes you to hit the vehicle in front of you. According to the fault determination rules, it can be concluded that you are 50% at fault. This means that while the other driver is also responsible for the accident, you share equal responsibility for the collision because you hit the vehicle in front of you after being rear-ended.

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4.

If you are involved in an accident and you have only the standard accident benefits auto policy coverages the cost of dependent care will be covered by your insurer?
- A.
  
  True
- B.
  
  False
Correct Answer
B. False

Explanation
If you are involved in an accident and you have only the standard accident benefits auto policy coverages, the cost of dependent care will not be covered by your insurer. The standard accident benefits auto policy typically covers medical expenses, rehabilitation costs, and income replacement, but it does not include coverage for dependent care.

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5.

When auto reform was introduced on September 1 ,2010 the benefits you had enjoyed on your policy before the changes were not reduced on the renewal of your policy.
- A.
  
  True
- B.
  
  False
Correct Answer
B. False

Explanation
The statement suggests that when auto reform was introduced on September 1, 2010, the benefits enjoyed on a policy before the changes were not reduced upon policy renewal. However, the correct answer is false, indicating that the benefits were indeed reduced upon policy renewal after the introduction of auto reform.

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6.

You are at the mall and when backing out of your parking space you are hit by a vehicle in the feeder lane. Which driver is 100% at fault?
- A.
  
  Neither
- B.
  
  The other driver
- C.
  
  You
Correct Answer
C. You

Explanation
The correct answer is "You." In this scenario, since you are the one backing out of the parking space, it is your responsibility to ensure that it is safe to do so. Therefore, if you are hit by a vehicle in the feeder lane while backing out, you are considered at fault for not yielding to oncoming traffic.

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7.

If you are in a car accident and break your arm you would be entitled up to the following weekly amount for housekeeping and home maintenance under the Standard Auto Policy coverage
- A.
  
  $100
- B.
  
  $0
- C.
  
  $75
Correct Answer
B. $0

Explanation
If you are in a car accident and break your arm, you would not be entitled to any amount for housekeeping and home maintenance under the Standard Auto Policy coverage. This is because the coverage typically only provides compensation for medical expenses, loss of income, and other related costs, but not for housekeeping and home maintenance. Therefore, the correct answer is $0.

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8.

When on vacation in Mexico your Ontario Auto Policy will respond if you are in a car accident?
- A.
  
  True
- B.
  
  False
Correct Answer
B. False

Explanation
Ontario Auto Policy only provides coverage within Ontario, Canada. Therefore, if you are on vacation in Mexico and get into a car accident, your Ontario Auto Policy will not respond and provide coverage.

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9.

What percentage of Ontarians involved in an auto accident suffer some sort of injury?
- A.
  
  45%
- B.
  
  54%
- C.
  
  63%
Correct Answer
B. 54%

Explanation
Approximately 54% of Ontarians involved in an auto accident suffer some sort of injury. This means that more than half of the people involved in auto accidents in Ontario experience some form of injury, whether it is minor or more severe. It indicates that auto accidents can have a significant impact on the physical well-being of individuals in this region.

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10.

If you suffer a "minor Injury" in an auto accident you are only limited to $3500 of Medical and Rehabilitation benefits even if you have chosen enhanced benefit coverage.
- A.
  
  True
- B.
  
  False
Correct Answer
A. True

Explanation
If you suffer a "minor injury" in an auto accident, regardless of whether you have chosen enhanced benefit coverage, you are only entitled to a maximum of $3500 for medical and rehabilitation benefits. This means that even if you have opted for additional coverage, it will not apply to minor injuries and the maximum amount you can receive for these types of injuries will still be limited to $3500. Therefore, the statement is true.

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Current Version
Mar 18, 2023

Quiz Edited by
ProProfs Editorial Team
Aug 24, 2011

Quiz Created by
Halbeatty

Ontario Auto Insurance Quiz

During a snowstorm in January you hit a parked car,The police officer at the scene attributes the accident to weather conditions.Your insurance company will rate the accident as.

You are stopped at a red light behind another vehicle when you are rear ended and pushed into the vehicle in front. Your insurance company will rate this accident as

You are travelling on a one way street and you are rear ended causing you to hit the vehicle in front of you. Under the fault determination rules you are deemed to be

If you are involved in an accident and you have only the standard accident benefits auto policy coverages the cost of dependent care will be covered by your insurer?

When auto reform was introduced on September 1 ,2010 the benefits you had enjoyed on your policy before the changes were not reduced on the renewal of your policy.

You are at the mall and when backing out of your parking space you are hit by a vehicle in the feeder lane. Which driver is 100% at fault?

If you are in a car accident and break your arm you would be entitled up to the following weekly amount for housekeeping and home maintenance under the Standard Auto Policy coverage

When on vacation in Mexico your Ontario Auto Policy will respond if you are in a car accident?

What percentage of Ontarians involved in an auto accident suffer some sort of injury?

If you suffer a "minor Injury" in an auto accident you are only limited to $3500 of Medical and Rehabilitation benefits even if you have chosen enhanced benefit coverage.