MYSTERY BREAKOUT

Insurance Breakout

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Intro

You have entered a dark and unknown world from which you have to get out before it's too late and you will be locked in forever.

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Mission 1

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Locked

Answer the question and you will find out the address of the following scenario

If your car is broken into and you have to get new windows, what kind of coverage must you have in order for the insurance company to cover the cost of repairs?

Liability

Collision

Comprehensive

What is an insurance premium?

the amount you pay when you visit the doctor's office

The amount you pay to have coverage.

The amount you must pay when a loss occurs

Long term disability is good because...

It provides coverage for short-term illnesses

It offers benefits without any waiting period.

It replace income during extended inability to work due to injury or illness.

Mission 2

Completed

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Locked

Drag and discover

Renters insurance will cover all of the following EXCEPT

Your property in your apartment such as a computer or furniture.

Hail damage to the roof of the apartment

A guest is injured while inside your apartment

By using an in-network doctor, you can

have lower costs for your health care compared to an out-of-network doctor.

deduct the expense on your income tax return

have higher out-of-pocket expenses for medical services.

Mission 3

Completed

Completed

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Which of the following would be a reason to pay a higher premium?

You will receive better care

You will have a lower co-pay

You will have a lower deductible

Which of the following is true about Medicaid?

It can be purchased by anyone in addition to their health insurance.

The premium is covered by the Federal government

It is coverage for low income individuals.

Which of the following auto insurance coverages are you REQUIRED to carry in most states (49 out of 50)?

Comprehenive

Collision

Liability

Remember the code

216

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Completed

Completed

Completed

Mission 4

Kelsey has a renters insurance policy that has a premium of $15/month, a deductible of $1000, and a personal property coverage limit of $25,000. Her apartment is broken into and $5,500 of possessions are stolen or destroyed. How much will Molly pay in order to replace her stuff?

$5500

$15

$1000

Alicia has a collision deductible of $500 and a Bodily Injury Liability coverage limit of $50,000. She hits another driver and injures them severely. The case goes to trial and there is a verdict to compensate the injured person for $40,000. How much does Alicia have to pay?

$40,000

$39,500

$500

Sarah has a health insurance policy with a premium of $20/month, a deductible of $1500, and a coverage limit of $50,000. She undergoes a medical procedure that costs $8,000. How much will Sarah need to pay out of pocket for the procedure?"

$8000

$6500

$1500

14 + 3

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