InsuraScenarios
Interactive scenarios to learn insurance and financial decision-making through real-world situations.
Progress
0/27
Total Scenarios
27
Insurance Types
9
Difficulty Levels
3
Learning Objectives
93+
Insurance Types Covered
The Midnight Deer Strike
Auto
Comprehensive vs. collision; first steps after animal strike.
- •Differentiate collision vs. comprehensive
- •Compute payout minus deductible
- •Know first steps after animal strike
- +2 more objectives...
The Parking Lot Mystery
Auto
Hit-and-run damage; evidence and deductible.
- •Evidence collection improves claim outcomes
- •Deductible applies to your own-car repairs
- •How claims impact future premiums
- +2 more objectives...
The Chain-Reaction Crash
Auto
Multi-party fault determination and coverage limits.
- •Understand fault percentages in multi-car accidents
- •Know coverage limits and subrogation
- •Handle complex claims with multiple parties
- +2 more objectives...
Doctor or Debt?
Health
ER vs. Urgent Care costs; out-of-pocket maximums.
- •Understand ER vs. urgent care costs
- •Know your out-of-pocket maximum
- •Make cost-effective healthcare decisions
- +2 more objectives...
The Prescription Maze
Health
Formulary tiers and prior authorization.
- •Understand formulary tiers
- •Know prior authorization process
- •Compare insurance plan costs
The Chronic Condition Economics
Health
Type 1 Diabetes diagnosis; 30-year cost projection.
- •Understand HSA advantages
- •Plan for coverage transitions
- •Calculate long-term medical costs
- +2 more objectives...
Burst Pipe Cascade
Home
Water damage and home insurance coverage.
- •Understand water damage coverage
- •Know immediate steps for water damage
- •Prevent further damage to minimize costs
- +2 more objectives...
The Lightning Strike Surge
Home
Power surge fries electronics after lightning strike.
- •Understand surge vs. lightning coverage
- •Know emergency repair authorization
- •Handle claim disputes
The Wildfire Evacuation Economics
Home
Mandatory evacuation; house survives but uninhabitable for 6 months.
- •Understand loss of use coverage
- •Know replacement cost vs. ACV
- •Understand code upgrade requirements
Food Poisoning Fiasco
Travel
Medical coverage abroad during study abroad.
- •Understand travel insurance coverage
- •Know what's covered abroad
- •When to file claims
The Volcanic Disruption
Travel
Volcano erupts, flights cancelled for 10 days.
- •Understand trip delay coverage
- •Know force majeure vs. "Cancel for Any Reason"
- •Daily limits and caps
The Medical Evacuation Emergency
Travel
Severe altitude sickness at 14,000 ft in Nepal.
- •Understand medical evacuation coverage
- •Know pre-existing conditions
- •Emergency decision protocols
Sudden Breadwinner
Life
Parents die in car accident, becomes guardian of 12-year-old sibling.
- •Understand beneficiary basics
- •Calculate income replacement
- •Guardian vs. trustee
The Entrepreneur's Dilemma
Life
Starting business with partner, spouse pregnant.
- •Understand key person insurance
- •Know buy-sell agreements
- •Disability coordination
The Blended Family Financial Web
Life
Remarrying, has 2 kids from first marriage, new spouse has 1 kid.
- •Understand beneficiary conflicts
- •Know irrevocable life insurance trusts (ILIT)
- •Estate tax strategies
Dorm Theft 101
Property
Renters insurance for college students.
- •Understand renters insurance
- •Know what's covered in dorms
- •Deductibles for students
The Roommate's Mistake
Property
Roommate leaves candle burning, fire damages unit.
- •Understand liability between roommates
- •Know subrogation against negligent parties
- •Loss of use while repairs happen
The Airbnb Investment Nightmare
Property
Bought condo as Airbnb rental, guest causes $15K damage + injury lawsuit.
- •Understand commercial vs. personal property insurance
- •Know short-term rental exclusions
- •HOA/master policy vs. unit policy
The Backyard Barbecue Burn
Liability
Guest trips over grill hose, burns arm.
- •Understand guest injuries
- •Know medical payments coverage
- •Liability basics
The Dog Bite Lawsuit
Liability
Labrador bites delivery driver, sued for $75,000.
- •Understand strict liability
- •Know settlements vs. trials
- •Exclusions
The Party House Nightmare
Liability
Hosts party, friend drives drunk after, causes $1M damages.
- •Understand social host liability
- •Know excess coverage needs
- •Lawsuit exposure
The Overflowing Pool Lawsuit
Umbrella
Kids sneak into pool, one nearly drowns. Parents sue: $700K.
- •Understand excess liability
- •Know umbrella triggers
- •Base policy exhaustion
The Teen Driver Catastrophe
Umbrella
Son (17) crashes car, injures 3 passengers, damages $2M.
- •Understand high-risk drivers
- •Know umbrella payouts
- •Exclusions
The Millionaire's Target
Umbrella
Guest trips on staircase in vacation rental, sues for $5M.
- •Understand asset shielding
- •Know umbrella structuring
- •Personal excess liability
The Coffee Shop Slip
Business
Customer slips on spilled latte, breaks hip. Medical costs: $120K.
- •Understand general liability
- •Know slip-and-fall coverage
- •Claim filing
The Cyber Breach
Business
Hackers steal 10,000 customer credit cards. Costs: $290K.
- •Understand cyber liability
- •Know data breach response
- •Notification costs
The Supply Chain Shutdown
Business
Overseas supplier's factory fire halts shipments. Lost revenue: $1.5M.
- •Understand business interruption
- •Know contingent BI
- •Insurance gaps
How to Use Scenarios
Interactive Learning
Each scenario presents real-world situations with decision points. Make choices and see immediate feedback on your decisions.
Real Personas
Learn through realistic characters with different backgrounds, financial situations, and insurance needs.
Immediate Feedback
Get instant explanations for your choices and learn why certain decisions are better than others.
Progress Tracking
Your scenario completions are tracked and can contribute to your overall learning progress.