State Farm Auto Insurance Practice Test

Who should be spoken to before making a policy change?

1. Any family member of the insured

2. A friend of the insured

3. A Named Insured or Spouse

4. A co-worker of the insured

The correct answer is: A Named Insured or Spouse

The most appropriate response to speak with before making a policy change is the Named Insured or their Spouse. This is because the Named Insured is the individual who has entered into the contract with the insurance company and has the legal authority to make changes to the policy. They are the primary party responsible for the details and terms of the insurance agreement, and any modifications, such as adjustments to coverage, deductibles, or changes in beneficiaries, should be discussed with them to ensure that their interests and specific needs are acknowledged. The spouse may also have a significant role in the decision-making process regarding the insurance policy, especially if they are listed on the policy or share financial responsibilities related to the insured vehicle. Involving both the Named Insured and their Spouse helps maintain clarity and consensus on any changes made. Other options, like discussing changes with family members, friends, or co-workers, may not provide the relevant authority or necessary understanding of the policy's specifics, which could lead to misunderstandings or unauthorized changes. Therefore, it is essential to communicate directly with those who have been designated as liable under the policy for making such decisions.