Drivers Edge Interactive slides and videos CATEGORY Copyrighted

Drivers Edge: Interactive slides and videos CATEGORY: Copyrighted Driver Education School Literature These electronic slide shows are produced by Inter. Active Enterprises. Microsoft Power. Point ® was used to create the presentations. Each segment includes discussion questions and may include illustrations, photographs, videos, animations, etc. Contact us at for more information at: 852 Martin Dr. , Palatine, IL 60067. Email with suggestions, comments, questions or for more information. This slide show is a type of educational media and is copyrighted in regards to slide layout, text and arrangement. You may modify, delete, or add to for your own use but you may not redistribute. One set of slides per school with contents copied to the computer’s hard drive. Networking in a computer lab is also allowed. See other restrictions in regards to graphics as required by agreements with graphic providers. RESTRICTIONS: “This product/publication includes images from Microsoft Design Gallery, Animation Factory, Corel Mega. Gallery and Corel Gallery 1, 000 and Click Art which are protected by the copyright laws of the U. S. , Canada and elsewhere. Used under license. These images are for viewing purposes only in this series and may not be saved or downloaded for other uses. Other images used by permission are from: In-Motion magazine, General Motors; selected videos from the U. S. Dept. of Transportation (Moving Safely Across America) Many other images are from the public domain. A limited warranty or guarantee is in effect upon initial receipt of this product. Any defective product will be replaced upon notification within 90 days of receipt of product. Copyright (C) 2002 Inter. Active Enterprises interactiveenterprises@attbi. com

Unit: Insurance and “accident” procedures The primary learning outcomes desirable from this first lesson are as follows: 1) 2) 3) 4) Become knowledgeable concerning the various types of vehicle insurance and their functions Learn how a variety of factors contribute to higher or lower insurance rates Understand the correct procedures if involved in a collision Realize that there are “post-collision” considerations even days after the incident

Unit: Insurance and “accident” procedures This lesson is designed to take approximately 60 minutes…you may want to spend 2 days on it (of course discussion time will vary with instructor) -- After the completion of this material there are 23 review questions. These questions are also found the Microsoft Word document titled: Insurance and Collision Procedures review questions (it is suggested that you print out these questions and give a copy to your students so they can fill in the answers at the end of the lesson)

Insuranc e Policy

What is a definition of insurance? A system of protection against loss in which a number of individuals agree to pay certain sums for a guarantee that they will be compensated for a specific loss. Every state has financial responsibility laws…requiring that you can pay for damages that you cause Policy

What are the different types of auto insurance? Property Damage Liability Bodily Injury Liability Medical Payments Insurance Collision Coverage Comprehensive Coverage No-Fault Coverage Uninsured Motorist Coverage Underinsured Motorist Protection …let’s consider them one at a time

What is Liability? Liability insurance covers the damage you cause to other vehicles, people, or property Oops, my fault There are two types

Recommended coverage: What is Property $100, 000 Property damage Damage Liability? each occurrence Property Damage Liability insurance covers the damage you cause to other vehicles or property Oops, my fault If you were to hit a very expensive vehicle(s) or take out an expensive traffic light – the cost could be very high…required in most states

Recommended coverage: What is Bodily $100, 000 each person Injury Liability? $300, 000 each occurrence Bodily Injury Liability pays claims for injuries or death you have caused to others involved in the collision Oops, my fault Required in most states. State minimums are usually inadequate

Medical Payments What is covers Medicalbodily Insurance Payments Insurance? injuries and funeral expenses for occupants in an insured vehicle up to stated amounts, regardless of who was at fault Pays immediate medical cost even if there is additional medical insurance

Collision Insurance What Collision paysisthe cost of Insurance? repairing or replacing the owners car when the owner is at fault or when the owner cannot collect from the person who is at fault Important coverage for new and expensive cars… usually dropped after about 7 years of ownership when the vehicle’s value has decreased

Comprehensive What is Comprehensive Insurance pays the cost Insurance? of repairing or replacing the owners car if damage results from: fire, theft, storms, flood, wind, vandalism, earthquake and riots Important coverage for new and expensive cars… usually dropped after about 7 years of ownership when the vehicle’s value has decreased

No Fault Insurance: What is No Fault in People involved Insurance? collisions recover their losses from their own insurance company regardless of who is at fault…but with limitations as specified in the policy No fault insurance is handled differently from state to state Some states have this to prevent over burdening the courts with litigation

It pays for injuries to you or your passengers in the. What event is of it? a hit and run collision or if those who hit you have no insurance or are underinsured

It pays for injuries to you or your passengers in the event of a hit and run collision or if those who hit you have no insurance or are underinsured “Hey, you get back here!” Covers medical bills, legal and court fees, loss of wages Required in many states. Needed by all car owners

What does Towingpays Towing Insurance cover? and the. Insurance cost of towing some minor repairs to the disabled car. Included are: dead battery, out of gas, flat tire and “accidents” Good to have…but not a necessity if you belong to an auto club

What do these terms mean? Premium: What you pay for your insurance coverage Most policies are for a 6 month period Deductible: The amount you agree to pay toward the repair or replacement of the vehicle. Your insurance company agrees to cover the balance up to the specified limits of the policy to e Au ranc u Ins Selecting a higher deductible will require a greater out of pocket expense, but it will also__________ lower the premium

How are rates determined? Collision and Violation record Age of principal driver Type of vehicle and miles driven Gender of driver Martial status Where the driver lives

WHAT ARE SOME WAYS YOU CAN SAVE MONEY ON INSURANCE? Four Wheel Anti-lock brake system and passive restraints (Airbags or Automatic motorized seat belts) Anti-theft devices Good Driver Multi-Car Economy Car 55 and Retired Good Student

Stop immediately…if you can move to the side of the road Failure to stop is a serious violation. Do not leave your vehicle where it will block traffic (if it can be moved) Be sure to turn off the ignition

Stop immediately…if you can move to the side of the road Aid the injured… administer basic first aid for injuries only if qualified Never move an injured person unless there is danger of fire or another collision

Stop immediately…if you can move to the side of the road Aid the injured… administer basic first aid for injuries only if qualified Protect the scene with flares or reflectors or direct traffic Do not put yourself or others in danger while directing traffic

Stop immediately…if you can move to the side of the road Aid the injured… administer basic first aid for injuries only if qualified Protect the scene with flares or reflectors or direct traffic Send for police – give the facts Do not let them talk you out of it by saying: “We can handle the matter ourselves. ”

Stop immediately…if you can move to the side of the road Aid the injured… administer basic first aid for injuries only if qualified Protect the scene with flares or reflectors or direct traffic Send for police – give the facts Exchange information – but do not admit it was your fault See their insurance card Names, addresses, Additional Steps driver’s licenses Record witnesses numbers, plate names and addresses numbers, and insurance File necessary reports companies

Note the time of day, weather conditions, road conditions, street lights, signs, and the presence and length of skid marks. Make a diagram illustrating the location of the vehicles, crosswalks, stop signs, and traffic signals. If you have a camera, take pictures. When filing the report

Continue your medical care after the accident. Even serious injuries may remain undetected even after the initial visit to the doctor or emergency room. Medical expenses may be covered by your insurance plan. Other Important considerations

Contacting a lawyer. Your insurance company must be contacted in the proper fashion to insure that all benefits are obtained concerning your personal injuries. Failure to properly notify and inform the company may result in an objection to such a claim at a later time. Also, forms must be filled out for the Department of Public Safety, the Other local Police Department, or the Registry of Motor Vehicles. Important A lawyer’s assistance may be considerations invaluable in these situations.

Quiz time…how much do you remember?

1) Liability insurance covers the damage you cause to other vehicles, people or property. TRUE or FALSE: _____ 2) If you were to crash with an expensive vehicle and it was your fault, your ___________would pay. 3) If it was your fault in a crash and there were injuries in the other car your ___________would pay. 4) Medical payments insurance covers injury expenses for occupants in an insured vehicle regardless of who was at fault. TRUE or FALSE: _______ 5) Collision insurance pays the cost of repairing the owner’s car when the other driver is at fault in the collision? TRUE or FALSE: _______

6) What part of your insurance pays for a tree falling on your car during a storm? ___________ 7) After about 7 years of car ownership, most people will _______the Comprehensive insurance on the car. 8) In some states with this type of insurance, the driver’s insurance policy only covers their own damages: ____ 9) It pays for injuries in the event of a hit and run collision or if those who hit you have no insurance: _______ 10) The amount you usually pay to an insurance company every six months is called a: ________ 11) The amount you agree to pay ahead of time toward the repair of the vehicle: _______

12) Selecting a higher deductible will usually result in a higher premium. TRUE or FALSE: ____ 13) TRUE or FALSE: Your premium rate is mostly based on your driving record, age, and type of vehicle. _______ 14) Married people, country dwellers and females will generally pay less than males, city people and singles? ____ 15) Owning an economy car with an anti-lock braking system is one way of reducing your premium. ______ 16) The first thing you should do if involved in an accident is to: ____________________ 17) In a collision, you should aid the injured only if you are: __________________

18) How can you “protect the collision scene” from further damage? ___________________ 19) TRUE or FALSE: It’s always a good idea to call the police at the scene of an collision. ______ 20) When you know its your fault, go ahead and admit it as you exchange information. TRUE or FALSE: ______ 21) If the police are at the scene, they will take care of filing all the paper work involved. TRUE or FALSE: ______ 22) Insist on seeing their proof of insurance that they are required to carry in their vehicle. TRUE or FALSE: ______ 23) If you feel the slightest discomfort after the collision, its important that you seek: ____________