1. Driver Education Ms. Sacony and Mr. Behe Auto Insurance

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.” P ayment 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)

8. 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

9. 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

11. 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 driver’s license