2. Vehicle Insurance Financial Responsibility Law requires driver to prove you can pay for damages you cause Premium specified amount of money for coverage Liability Insurance Every state requires a driver to have liability insurance It protects the driver who caused the collision Collision Insurance Covers driver is they are at fault in collision or cannot collect from the person at fault Deductible amount agreed upon to pay towards the repair

3. Insurance Rates A number of factors determine rates: Driving Record Age Miles Driven Driver Gender Marital Status Type of Vehicle Where the driver lives or drives Driver’s Claim Record Assigned Risk Insurance-Drivers that had insurance canceled due to poor driving record

4. Environmental Concerns Exhaust Gases CO2 – Carbon Dioxide Disposal of Vehicle Parts Batteries Oil Gasoline Antifreeze

5. Environmental Concerns - continued How can we help: Mass Transportation Car Pools Alternative Fueled Vehicles