1. Drivers Edge: Interactive slides and videos
CATEGORY: Copyrighted Driver Education School Literature
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2. Unit: Insurance and “accident” procedures
The primary learning outcomes desirable from this first lesson are as follows:
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

3. 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 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)

4. Part two: The Responsible Driver
T H E D R I V E R S E D G E
C U R R I C U L U M
Part two: The Responsible Driver

5. Auto Insurance
Insurance Policy

6. Auto Insurance 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

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

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

9. traffic light – the cost could be very high…required in most states
Recommended coverage:
$100,000 Property damage
each occurrence
Auto Insurance
What is Property
Damage Liability?
Property Damage Liability insurance covers the damage you cause to other vehicles or property
Property Damage
Property Damage
Property Damage
Oops, my fault
Liability
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

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

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

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

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

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

15. in the event of a hit and run collision or if those
Auto Insurance
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
What is it?
Uninsured and
underinsured
motorist insurance
Uninsured and
underinsured
motorist insurance
Uninsured and
underinsured
motorist insurance

16. Required in many states. Needed by all car owners
Auto Insurance
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
Uninsured and
underinsured
motorist insurance
Uninsured and
underinsured
motorist insurance
Uninsured and
underinsured
motorist insurance
“Hey, you get back here!”
Covers medical bills,
legal and court fees,
loss of wages
Required in many states.
Needed by all car owners

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

18. some insurance terminology
Auto Insurance
Let’s now consider
some insurance terminology

19. Auto Insurance Premium: Deductible: What do these terms mean?
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
Insurance
Auto
Selecting a higher deductible will
require a greater out of pocket expense,
but it will also____________________
lower the premium

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

21. Auto Insurance Four Wheel Anti-lock brake system
WHAT ARE SOME
WAYS YOU CAN SAVE
MONEY ON INSURANCE?
Auto 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

22. We've covered the basics concerning insurance...let's now consider...

23. Accident procedures
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

24. Accident procedures
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

25. Do not put yourself or others in danger while directing traffic
Accident procedures
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

26. Accident procedures
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.”

27. File necessary reports
Accident procedures
Stop immediately…if you can move to the side of the road
Aid the injured… administer basic first aid for injuries only if qualified
See their insurance card
Additional Steps
Record witnesses
names and addresses
File necessary reports
Names, addresses,
driver’s licenses
numbers, plate
numbers, and
insurance
companies
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

28. Accident procedures When filing the report
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

29. Accident procedures Other Important considerations
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

30. Accident procedures 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 local Police Department, or the Registry of Motor Vehicles A lawyer’s assistance may be invaluable in these situations.
Other
Important
considerations

31. Quiz time…how much do you remember?

32. Property damage liability
1) Liability insurance covers the damage you cause to other vehicles, people or property. TRUE or FALSE:_________
True
2) If you were to crash with an expensive vehicle and it was your fault, your ______________________would pay.
Property damage liability
3) If it was your fault in a crash and there were injuries in the other car your _____________________would pay.
Bodily injury liability
4) Medical payments insurance covers injury expenses for occupants in an insured vehicle regardless of who was at fault. TRUE or FALSE:_______
True
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: _______
False
(their liability does)

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

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

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

36. The End