Do I Need Car Insurance Reading Answers

Mar 11, 2024

Do I need Car Insurance Reading Answers is an academic reading topic. Do I need Car Insurance Reading Answers have a total of 5 IELTS questions in total. The specified topic generates 1 question type: Choose no more than two words. Candidates should read the IELTS Reading passage thoroughly to recognize synonyms, identify keywords, and answer the questions below. IELTS Reading practice papers, which feature topics such as Do I need Car Insurance Reading Answers. Candidates can use IELTS reading practice questions and answers to enhance their performance in the reading section.

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Section 1

Read the Passage to Answer the Following Questions

Do I Really Need Car Insurance?

What is car insurance?

Car insurance is an agreement to pay an insurance company an annual premium that means they will pay for personal injury and property damage should you be in an accident. It can also mean that the insurance company will pay if your car is stolen, vandalised or destroyed by fire.

Excess

When you agree to your insurance policy, you will also agree to an excess. The excess is the amount of money you will have to pay before the insurance policy pays for the damages. It is usually between about £500 and £1,000. This only comes into effect in an accident when you are at fault, and if the other driver is at fault you do not have to pay it.

Do I have to have insurance?

Car insurance at the basic level is compulsory. If you are found driving without insurance you can be fined and have your car confiscated and destroyed. This law ensures that everybody is compensated for personal injury and property damage if the accident is not their fault

Types of car insurance

Fully comprehensive is the insurance that most drivers have and it offers the highest level of protection. It is also the most expensive. It pays you if your car is stolen or vandalised and also, if you are involved in an accident. If the accident is your fault, personal injury and property damage are covered for all drivers, passengers and pedestrians. Third party, fire and theft pays for other people's injuries and damaged property in an accident, but it will not pay for damage to your vehicle. It will also pay if your car is stolen or damaged by fire. This type of insurance has lower premiums and people often have it if their car does not have much value.

Third party is the lowest level insurance you are legally permitted to have. It only covers personal injury a prepare damage for others. It is suitable for people who don't drive very often or for people who have limited budgets and who are willing to take the risk.

Section 2

Solution and Explanation

Questions 15-21

Choose NO MORE THAN TWO WORDS for each answer.

If a person pays an ....... to an insurance company, it pays for accident costs.

Answer: EXCESS
Supporting statement: “.....When you agree to your insurance policy, you will also agree to an excess. The excess is the amount of money you will have to pay before the insurance policy pays for the damages........”
Keywords:excess, policy
Keyword Location: para 2, line 1
Explanation: It is given that if a person pays for an excess amount. Then the person will get the accidental costs for the damages.

An excess is the extra amount you have to pay for the cost of the ……….

Answer: DAMAGES
Supporting statement: “......The excess is the amount of money you will have to pay before the insurance policy pays for the damages.......”
Keywords: excess, insurance
Keyword Location: para 2, line 2
Explanation: It is given that the person has to first pay extra money. Then only the insurance company will pay for damages.

If the accident is not your………. you do not have to pay the excess.

Answer: FAULT
Supporting statement: “.....This only comes into effect in an accident when you are at fault, and if the other driver is at fault you do not have to pay it.........”
Keywords: other, fault
Keyword Location: para 2, line 4
Explanation: It is given that the extra money is only paid to cover up the fault made by the person. If the other driver makes mistake then the person doesnt have to pay.

By law, you must have a …….. of car insurance.

Answer: INSURANCE
Supporting statement: “......Car insurance at the basic level is compulsory. If you are found driving without insurance you can be fined and have your car confiscated and destroyed.......”
Keywords: insurance, destroyed
Keyword Location: para 3, line 1
Explanation: It is given that the law says that the person must gave his car insurance with him. It is compulsary.

Fully comprehensive insurance is…….. because it offers high protection.

Answer:
Supporting statement: “.....Fully comprehensive is the insurance that most drivers have and it offers the highest level of protection. It is also the most expensive........”
Keywords: offers, expensive
Keyword Location: para 4, line 1
Explanation: It is given that the fully comprehensive insurance is the most expensive insurance. It also provides highest protection.

If you are covered for theft, it means you are paid if your car is ........

Answer:
Supporting statement: “.....Third party, fire and theft pays for other people's injuries and damaged property in an accident, but it will not pay for damage to your vehicle. It will also pay if your car is stolen or damaged by fire........”
Keywords: damaged, stolen
Keyword Location: para 4, line 5
Explanation: It is given that if the car is covered for theft, then only the car owner will be paid for theft.

It is a bigger to ……. only third party insurance, but it is much cheaper.

Answer: AFFORD
Supporting statement: “......Third party is the lowest level insurance you are legally permitted to have. It only covers per onal injury a prepare danage for others. It is suitable for people who don't driv.......”
Keywords: COVERS, PEOPLE
Keyword Location: para 5
Explanation: It is given that the third party insurance is the lowest level of insurance. It only covers the personal injury.

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