Driver Education

1
Auto Insurance

• Driver Education
• Ms. Sacony and Mr. Behe

2
Auto Insurance Companies
3
What is Auto Insurance?

• A contract between you and the insurance company.
  It protects you from financial loss if there is
  an accident.
• Simply put, it is a safety net

4
Pennsylvania Law regarding Insurance

• Liability Insurance is REQUIRED for all
  vehicles!!
• Covered by liability insurance is
• Bodily Injury
• Property Damage

5

• Bill from insurance company is called a
  premium.
• Payment to the insurance company to ensure your
  financial responsibility!

6
Factors used to Determine a Premium

• Your age
• Number of years licensed
• Driving record (accidents, moving violations)
• Type of vehicle (make, model, age, safety
  features)
• Driving history details

7

• Types of Insurance
• (separate worksheet)

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Possible Discount Options

• Annual miles driven
• College student without/with a car at school
• Driver Education and/or Behind the Wheel
• Keep a specific overall or semester GPA

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Deductible Details

• Amount of money that you are responsible for
  paying when damages occur
• You pay for damages up to the deductible and the
  insurance company pays the rest
• More deductible Less premium
• Less deductible More premium

10
Present proof of Insurance when

• Get into a collision
• Register your vehicle (once a year)
• Requested by a police officer/state trooper
• Get your car inspected
• When taking your driving test

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Driving with NO Insurance?

• Possible vehicle impoundment (and all fees
  associated)
• Fines and penalties
• Suspension of registration and driver license
  for up to 3 months
• Restoration fees for your vehicle registration
  and drivers license