{"id":1714,"date":"2025-05-29T22:37:27","date_gmt":"2025-05-30T02:37:27","guid":{"rendered":"https:\/\/realrisktalk.com\/?page_id=1714"},"modified":"2025-06-03T23:50:14","modified_gmt":"2025-06-04T03:50:14","slug":"1714-2","status":"publish","type":"page","link":"https:\/\/realrisktalk.com\/index.php\/1714-2\/","title":{"rendered":"Auto Calculator"},"content":{"rendered":"\n<style>\n#autoCoverageQuiz {\n  font-family: \"Segoe UI\", sans-serif;\n  color: #1A202C;\n  max-width: 100%;\n  min-height: 100vh;\n  display: flex;\n  align-items: center;\n  justify-content: center;\n  background: #f8f9fa;\n}\n#quizWrapper {\n  background: white;\n  padding: 50px;\n  max-width: 900px;\n  width: 100%;\n  box-shadow: 0 0 30px rgba(0,0,0,0.1);\n  border-radius: 12px;\n}\n#quizWrapper h2 {\n  font-size: 2.25rem;\n  margin-bottom: 25px;\n  color: #1A202C;\n}\n#quizWrapper p {\n  font-size: 1.2rem;\n  margin-bottom: 20px;\n}\n#quizWrapper button {\n  font-size: 1rem;\n  padding: 12px 24px;\n  margin: 10px 12px 20px 0;\n  border: none;\n  border-radius: 6px;\n  background-color: #2A4365;\n  color: white;\n  cursor: pointer;\n}\n#quizWrapper button:hover {\n  background-color: #1A365D;\n}\n#quizWrapper input[type=\"number\"], select {\n  font-size: 1.1rem;\n  padding: 12px;\n  width: 100%;\n  max-width: 400px;\n  margin-bottom: 20px;\n  border: 1px solid #ccc;\n  border-radius: 6px;\n}\n#quizResult {\n  border-top: 2px solid #ccc;\n  padding-top: 30px;\n  margin-top: 40px;\n}\n#quizResult h3 {\n  font-size: 1.8rem;\n  color: #1A202C;\n  margin-bottom: 20px;\n}\n<\/style>\n\n<div id=\"autoCoverageQuiz\">\n  <div id=\"quizWrapper\">\n    <h2>Let\u2019s estimate how much auto liability coverage you really need<\/h2>\n    <div id=\"quizStep\"><\/div>\n    <div id=\"quizResult\" style=\"display:none;\">\n      <h3>Recommended Auto Liability Limits:<\/h3>\n      <p id=\"recommendation\"><\/p>\n      <p id=\"definitionBlock\"><\/p>\n      <p id=\"umbrellaSuggestion\"><\/p>\n    <\/div>\n  <\/div>\n<\/div>\n\n<script>\ndocument.addEventListener(\"DOMContentLoaded\", function () {\n  const quiz = document.getElementById(\"quizStep\");\n  const result = document.getElementById(\"quizResult\");\n  const recommendation = document.getElementById(\"recommendation\");\n  const umbrellaSuggestion = document.getElementById(\"umbrellaSuggestion\");\n  const definitionBlock = document.getElementById(\"definitionBlock\");\n\n  let answers = {};\n  let step = 0;\n\n  const steps = [\n    { question: \"Do you own a home?\", type: \"buttons\", name: \"ownHome\", options: [\"Yes\", \"No\"] },\n    { question: \"What is the estimated value of your home?\", type: \"input\", name: \"homeValue\" },\n    { question: \"Do you own any rental properties, second homes, or vacant land?\", type: \"buttons\", name: \"otherProps\", options: [\"Yes\", \"No\"] },\n    { question: \"Total estimated value of those properties:\", type: \"input\", name: \"propValue\" },\n    { question: \"How much do you currently have in checking, savings, retirement, and investments (combined)?\", type: \"input\", name: \"liquidAssets\" },\n    { question: \"What is your yearly household income?\", type: \"input\", name: \"income\" },\n    { question: \"How many years of income do you want to protect?\", type: \"input\", name: \"yearsToProtect\" },\n    { question: \"Do you have any dependents who rely on your income?\", type: \"buttons\", name: \"dependents\", options: [\"Yes\", \"No\"] },\n    { question: \"Do you have any teen or under-25 drivers on your policy?\", type: \"buttons\", name: \"youngDrivers\", options: [\"Yes\", \"No\"] },\n    { question: \"Do you use your vehicle for work, deliveries, or gig driving?\", type: \"buttons\", name: \"businessUse\", options: [\"Yes\", \"No\"] },\n    { question: \"Do you currently carry a personal umbrella policy?\", type: \"buttons\", name: \"hasUmbrella\", options: [\"Yes\", \"No\"] },\n    { question: \"How much umbrella coverage do you currently carry?\", type: \"dropdown\", name: \"umbrellaAmount\", options: [\"1M\", \"2M\", \"3M\", \"5M\"] }\n  ];\n\n  function renderStep() {\n    quiz.innerHTML = \"\";\n    if (step >= steps.length) return showResult();\n\n    const current = steps[step];\n    const wrap = document.createElement(\"div\");\n    const label = document.createElement(\"p\");\n    label.innerHTML = \"<strong>\" + current.question + \"<\/strong>\";\n    wrap.appendChild(label);\n\n    if (current.type === \"buttons\") {\n      current.options.forEach(opt => {\n        const btn = document.createElement(\"button\");\n        btn.innerText = opt;\n        btn.addEventListener(\"click\", () => {\n          answers[current.name] = opt;\n          if (current.name === \"hasUmbrella\" && opt === \"No\") step += 2;\n          else step++;\n          renderStep();\n        });\n        wrap.appendChild(btn);\n      });\n    }\n\n    if (current.type === \"input\") {\n      const input = document.createElement(\"input\");\n      input.type = \"number\";\n      input.placeholder = \"Enter a number\";\n      input.value = answers[current.name] || \"\";\n      wrap.appendChild(input);\n\n      const nextBtn = document.createElement(\"button\");\n      nextBtn.innerText = \"Next\";\n      nextBtn.addEventListener(\"click\", () => {\n        answers[current.name] = parseInt(input.value || \"0\");\n        step++;\n        renderStep();\n      });\n      wrap.appendChild(nextBtn);\n    }\n\n    if (current.type === \"dropdown\") {\n      const select = document.createElement(\"select\");\n      current.options.forEach(opt => {\n        const option = document.createElement(\"option\");\n        option.value = opt;\n        option.text = opt;\n        select.appendChild(option);\n      });\n      wrap.appendChild(select);\n\n      const nextBtn = document.createElement(\"button\");\n      nextBtn.innerText = \"Next\";\n      nextBtn.addEventListener(\"click\", () => {\n       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accident.\";\n    let rec = \"\", umb = \"\";\n\n    if (total > 1250000) { liabilityRec = \"500\/500\"; def = \"<strong>What does 500\/500 mean?<\/strong><br>$500,000 per person and per accident.\"; }\n    if (total > 2500000) umbrellaRec = 3;\n    else if (total > 1000000) umbrellaRec = 2;\n    else if (total > 500000) umbrellaRec = 1;\n\n    if (umbrellaHeld >= umbrellaRec) umb = \"You're carrying sufficient umbrella protection based on your asset and income exposure.\";\n    else if (umbrellaRec > 0) umb = \"You should consider adding a $\" + (umbrellaRec * 1000000).toLocaleString() + \" umbrella policy to protect your income and savings.\";\n    else umb = \"An umbrella policy may not be necessary based on your exposure, but still worth considering.\";\n\n    rec = \"We recommend \" + liabilityRec + \" liability limits.\";\n    if (umbrellaRec > 0) rec += \" Based on your total risk, we also recommend an umbrella policy.\";\n\n    recommendation.innerHTML = rec;\n    definitionBlock.innerHTML = def;\n    umbrellaSuggestion.innerHTML = \"<strong>Umbrella policy guidance:<\/strong><br>\" + umb + \"<br><br><em>What is an umbrella policy?<\/em><br>An umbrella policy provides extra liability protection once your auto and home policy limits are exhausted. It helps shield your income, assets, and future earnings in the event of a major lawsuit.\";\n\n    result.style.display = \"block\";\n    result.scrollIntoView({ behavior: \"smooth\" });\n  }\n\n  renderStep();\n});\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Let\u2019s estimate how much auto liability coverage you really need Recommended Auto Liability Limits:<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_uag_custom_page_level_css":"","_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"class_list":["post-1714","page","type-page","status-publish","hentry"],"mb":[],"taxonomy_info":[],"featured_image_src_large":false,"author_info":{"display_name":"Haley Atkins","author_link":"https:\/\/realrisktalk.com\/index.php\/author\/haleyatkins-allstate\/"},"comment_info":0,"uagb_featured_image_src":{"full":false,"thumbnail":false,"medium":false,"medium_large":false,"large":false,"1536x1536":false,"2048x2048":false},"uagb_author_info":{"display_name":"Haley Atkins","author_link":"https:\/\/realrisktalk.com\/index.php\/author\/haleyatkins-allstate\/"},"uagb_comment_info":0,"uagb_excerpt":"Let\u2019s estimate how much auto liability coverage you really need Recommended Auto Liability Limits:","mfb_rest_fields":["title","taxonomy_info","featured_image_src_large","author_info","comment_info","uagb_featured_image_src","uagb_author_info","uagb_comment_info","uagb_excerpt"],"_links":{"self":[{"href":"https:\/\/realrisktalk.com\/index.php\/wp-json\/wp\/v2\/pages\/1714","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/realrisktalk.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/realrisktalk.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/realrisktalk.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/realrisktalk.com\/index.php\/wp-json\/wp\/v2\/comments?post=1714"}],"version-history":[{"count":14,"href":"https:\/\/realrisktalk.com\/index.php\/wp-json\/wp\/v2\/pages\/1714\/revisions"}],"predecessor-version":[{"id":1764,"href":"https:\/\/realrisktalk.com\/index.php\/wp-json\/wp\/v2\/pages\/1714\/revisions\/1764"}],"wp:attachment":[{"href":"https:\/\/realrisktalk.com\/index.php\/wp-json\/wp\/v2\/media?parent=1714"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}