Quiz połączony z przewodnikiem · Średni Poziom

Jak porównać oferty ubezpieczeń z quizem AI

Testuje odczyt limitów podzielonej odpowiedzialności, koszt wymiany w porównaniu z rzeczywistą wartością gotówkową oraz sposób, w jaki OCR i ekstrakcja tabel powodują, że sztuczna inteligencja błędnie odczytuje oferty ubezpieczeniowe.

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Pytanie 1 z 8

In an auto liability limit written as 100/300/100, what does the 300 stand for?

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Odpowiedzi i wyjaśnienia pojawiają się w miarę rozwiązywania quizu.

  1. In an auto liability limit written as 100/300/100, what does the 300 stand for?
    • $300,000 of property damage coverage
    • $300 deductible for collision
    • $300,000 of bodily injury coverage per accident
    • $300,000 of bodily injury coverage per person
  2. A homeowners quote covers personal property at actual cash value. How does that differ from replacement cost?
    • Actual cash value subtracts depreciation
    • Actual cash value pays more than replacement cost
    • Actual cash value only applies to flood
    • They pay out exactly the same
  3. How is a 2% wind and hail deductible calculated on a homeowners policy?
    • 2% of the annual premium
    • 2% of the claim amount
    • A flat $2,000
    • 2% of the dwelling coverage limit
  4. Which peril do standard US homeowners and renters policies generally exclude, usually requiring a separate policy?
    • Theft
    • Flood
    • Fire
    • Liability for guest injuries
  5. The guide says a quote is not the policy. Where do the binding terms actually live?
    • In the AI-generated comparison table
    • In the insurer's advertising
    • In the policy form, declarations page and endorsements
    • In the agent's email summary
  6. Where does the guide suggest looking to learn how well an insurer handles claims, something AI cannot judge?
    • Your state insurance department and NAIC consumer complaint data
    • The insurer's own marketing materials
    • The AI's star rating for each company
    • The lowest premium in your comparison
  7. Why are scanned or photographed quotes more likely to produce AI extraction errors?
    • Scans are always in a foreign language
    • AI refuses to read images
    • Scanned quotes leave out the premium
    • OCR can misread digits and lose the table structure
  8. Which instruction does the guide recommend so the AI doesn't fill gaps in a quote with guesses?
    • Ask the AI to estimate any missing values
    • Tell it to write "not stated" when a value isn't in the document
    • Ask for the average of the other quotes
    • Skip fields the insurer didn't list