Presentation on theme: "Traffic Laws and Regulations"— Presentation transcript:
1Traffic Laws and Regulations T H E D R I V E R S E D G EI N T E R A C T I V EC U R R I C U L U MTraffic Laws and Regulations
2Licensing & Registration Requirements for driving in Ontario:adapted from the MTO DRIVERS HANDBOOKLicensing & RegistrationPurpose: The become acquainted with the laws and procedures for obtaining a drivers license, registering and owning a vehicle in Ontario.
3If you live in Ontario, you must be at least 16 years old and have a valid Ontario driver’s licence to drive in this province.If you are a visitor to Ontario and want to drive while you are here, you must be at least 16 years old and have a valid driver’s licence from your own province, state or country. If you are from another country and visiting Ontario for more than three months, you need an International Driver’s Permit from your own country. If you don’t have an International Driver’s Permit, you can apply for an Ontario driver’s licence if you are taking up residence in Ontario.If you are a new resident in Ontario and have a valid driver’s licence from another province, state or country, you can use it for 60 days after you move to Ontario. If you become a resident of Ontario, you must get an Ontario driver’s licence. Ontario has license exchange agreements with every Canadian province and territory, the United States, Japan, Korea, Austria, Germany, Switzerland, Great Britain, France and Belgium.
4Driver’s License Classifications Class AAllowed to drive any tractor-trailer combination May also drive vehicle in class D and GClass BAllowed to drive any school purposes bus May also drive vehicle in class C, D, E, F and GClass CAllowed to drive any regular bus. May also drive vehicles in class D, F and G school bus.Class DAllowed to drive any truck or combination provided the towed vehicle is not over 4,600 kg May also drive vehicle in class GClass EAllowed to drive any school purposes bus – maximum of 24-passenger capacity May also drive vehicle in class F and GClass FAllowed to drive any regular bus – maximum of 24-passenger capacity – and ambulances May also drive vehicle in class GClass GAllowed to drive any car, van or small truck or combination of vehicle and towed vehicle up to 11,000 kg provided the towed vehicle is not over 4,600 kg
5Driver’s License Classifications Class G1Level One of graduated licensing. Holders may drive Class G vehicleswith an accompanying fully licensed driver with at least four years’driving experience. Subject to certain conditions.Class G2Level Two of graduated licensing. Holders may drive Class G vehicleswithout accompanying driver but are subject to certain conditions.Class MAllowed to drive any motorcycles, including limited-speed motorcycles (motor scooters) and motor-assisted bicycles (mopeds). Holders may also drive a Class G vehicle under the conditions that apply to a Class G1 licence holder.Class M1Level One of graduated licensing for motorcycles, including limited-speed motorcycles (motor scooters) and motor-assisted bicycles (mopeds). Holders may drive a motorcycle under certain conditions.Class M2A Level Two of graduated licensing for motorcycles, including limited-speed motorcycles (motor scooters) and motor-assisted bicycles (mopeds). Holders may drive a motorcycle but only with a zero blood alcohol level. Holders may also drive a Class G vehicle under the conditions that apply to a Class G1 licence holder.
6Driver’s License Classifications Class M with L conditionHolders may operate a limited-speed motorcycle or moped only May operate a limited speed motorcycle or moped only.Class M2 with L conditionHolders may operate a limited-speed motorcycle or moped only May operate a limited speed motorcycle or moped only.The class of licence you have must match the type of vehicle you are driving. You need a Class G licence to drive a car, van or small truck. You must have a Class G licence before you can be licensed to drive any other type of vehicle. The only exception is motorcycles. You may get a motorcycle licence (Class M) without first getting a Class G licence.
7Applying for your Licence To apply for a licence, you must show proof of your legal name, date of birth (showing day, month and year of birth) and signature. Documents must be original and valid. Photocopies and expired documents are not acceptable. Any one of the following documents may be used to satisfy the requirement to provide proof of legal name, complete date of birth and signature:Passport (Canadian or foreign)Canadian Citizenship Card with photoPermanent immigration documentsPermanent Resident Card (PRC) orRecord of Landing (Form 1000) orConfirmation of Permanent Residence (Form IMM 5292)Temporary immigration documentsStudent Authorization (IMM 1442)Employment Authorization (IMM 1442)Visitor Record (IMM 1442)Temporary Resident’s Permit (IMM 1442)Refugee Status Claim (IMM 1434)Acknowledgement of Intent to Claim Refugee Status (IMM 7703 with photo)Report Pursuant to the Immigration Act (IMM 1442 with photo)
8Additional DocumentsAdditional documents are required if the document presented from the previous list does not indicate the legal name, complete date of birth (day, month, year) or signature. The additional documents must provide proof of missing or incomplete information..The following documents are acceptable as proof of date of birth and legal name: Canadian or U.S. Birth CertificateThe following documents are acceptable as proof of signature:Driver’s Licence (Canadian and U.S. only)Identity Card with signature (issued by Canadian province/territory or U.S. state authority)Canadian Certificate of Indian StatusOntario Student Card with signatureOntario Health Card with applicant’s signature (Clients may choose to produce their Ontario Health Card for proof of signature. The Health Card and Health Number will not be recorded or photocopied.)
9Proof Of Legal NameIf additional documents presented to prove date of birth or signature do not indicate the applicant’s legal name (i.e. name has been changed or is different on the two documents presented), the applicant will be required to provide additional documents as proof of legal name. The following additional documents are acceptable as proof of legal name:Marriage Certificate (Canadian or Foreign, government issued)Change of Name CertificateCourt Order for adoption, change of name or divorce (must bear legalname, date of birth and court seal)To confirm complete date of birth where no or only partial date of birth is available:Sworn affidavit stating reason why partial or no date is available, with supporting documents. Please contact the Ministry of Transportation’s Driver and Vehicle Licensing Call Centre at (416) or toll free at (Canada-wide) for further information.Note: Direct identification by a parent or guardian is not acceptable The applicant is required to present an acceptable document with his or her own signature.
10Declaration from A Guarantor If an applicant is unable to present one of the previous documents as proof of signature, the applicant may present an original, completed Declaration from a Guarantor form attesting to their signature. Applicants must first ensure that no other acceptable documents for signature are available from the list identified above. To obtain a Guarantor form: SEE DRIVERS HANDBOOK FOR DETAILSApplying for a licenceBring all needed documents. You must pay a fee when you apply This fee includes the cost of the knowledge test, your first road test and a five-year licensing fee. There are more charges for your second road test and for any retests you may need to take. In order to schedule a road test appointment, you must prepay the road test fee.When you apply for your licence, you will be asked questions about your health. People with certain physical or medical conditions are not allowed to drive for safety reasons. If your physical or medical condition means you cannot be licensed, you will be told when you apply.Once you have a licence, you should report any change in your medical condition that may change your ability to drive safely. By law, doctors and optometrists must report the name and address of anyone over 16 who has a condition that may make it unsafe for him or her to drive.
11Graduated Licensing Requirement By taking an MTO-approved Beginner Driver Education Course at a driving school, G1 licence holders may qualify for a four-month reduction in the 12-month minimum G1-licensing period as well as a potential reduction in insurance premiums.Graduated Licensing RequirementLevel One lasts 12 months. The Ministry of Transportation encourages all new drivers to take an approved driver education course to help learn the proper driving skills and knowledge. You should begin your training as soon as you become a Level One driver so you can get as much driving experience as possible. If you pass an approved course, you can complete Level One in eight months. While at Level One, the following rules apply:You must not drive if you have been drinking alcohol. Your blood alcohol level must be zero.You must not drive alone; an accompanying driver must sit in the front passenger seat. This is the only person who can be in the front seat with you while you drive. The accompanying driver must have a valid Class G (or higher) licence, at least four years of driving experience, and must have a blood alcohol level of less than .05 per cent when accompanying you. Time spent at the Class G2 level, as long as the G2 licence was valid (not suspended), does count toward the accompanying driver’s four years of experience. The accompanying driver’s licence may have demerit points, but it cannot be suspended.Each person in the vehicle must have a working seatbelt.You must not drive on 400-series highways with a posted speed limit over 80km/h. Also you must not drive on certain high-speed roads including the Queen Elizabeth Way, Don Valley Parkway and the Gardiner Expressway in the Greater Toronto Area, the E.C. Row Expressway in Windsor and the Conestoga Parkway in Kitchener-Waterloo. However, if your accompanying driver is a driving instructor, you may drive on any road.You must not drive between midnight and 5:00 a.m.You must pass a road test of your driving skills to move to Level Two. At this time, you will be given a Class G2 licence.
12Graduated Licensing Requirement By taking an MTO-approved Beginner Driver Education Course at a driving school, G1 licence holders may qualify for a four-month reduction in the 12-month minimum G1-licensing period as well as a potential reduction in insurance premiums.Graduated Licensing RequirementConcerning insurance: In Ontario, a G1 driver does not require his own insurance. The No-Fault insurance applies and covers them. However, the insurance company of the vehicle, (usually the parent’s vehicle), being used to train the driver, must be notified. If the parent’s car is a company car, the G1 student is not allowed to drive this vehicle.Once the student goes from G1 to G2 then insurance is mandatory and the new G2 driver must be named on the insurance policyInsurancePolicy
13Let's now look at Graduated Licensing New Ontario ResidentsIf you are a new resident of Ontario and have a valid driver’s licence from another province or country, you can use that licence for 60 days in Ontario. If you want to continue to drive after 60 days, you must get an Ontario driver’s licence.PLEASE REFER TO THE ONTARIO DRIVERS HANDBOOK FOR ADDITIONAL STIPULATIONS IF YOU ARE A OUT-OF-COUNTRY APPLICANT.Let's now look at Graduated Licensing
14Graduated LicensingNew drivers applying for their first car or motorcycle licence enter Ontario’s graduated licensing system Graduated licensing lets new drivers get driving experience and skills gradually The 2-step licensing process takes at least 20 months to complete.To apply for a licence, you must be at least years old, pass a vision test and pass a test of your knowledge of the rules of the road and traffic signs. After you pass these tests, you will enter Level One and get a Class G1 licence.You must pass two road tests to become fully licensed. Passing the first road test lets you move to Level Two (Class G2) and the second one gives you full Class G driving privileges.
15Graduated Licensing Requirement Level 2 Class G2 Level Two lasts at least 12 months. At this level, you have more privileges because of your driving experience. At Level Two:You must not drive if you have been drinking alcohol. Your blood alcohol level must be zero.Each person in the vehicle must have a working seatbelt.In addition, the following restrictions apply between the hours of midnight and 5 a.m. to G2 drivers aged 19 years and under, including those who received a G2 licence prior to September 1, 2005.In the first six months after receiving your G2 licence, you are allowed to carry only one passenger aged 19 or under.After six months with your G2 licence and until you obtain your full G licence or turn 20, you are allowed to carry up to three passengers aged 19 or under.Exemptions: The passenger restrictions for G2 drivers aged 19 and under do not apply if you are accompanied by a fully-licensed accompanying driver in the front passenger seat, or if the passengers are members of your immediate family (a guardian, or those related to you by blood, marriage, common-law relationship, or adoption).After 12 months at Level Two, you may take a road test to qualify for full licence privileges. You must pass this test to get a Class G licence.
16Road TestsRoad tests check your driving skills in the vehicle and in traffic. You will be tested on your ability to follow the rules of the road and safe driving practices.The Level One road test deals with basic driving skills. The Level Two road test deals with more advanced knowledge and driving skills. Your performance in each of the tests will tell you whether you need more training or practice.You must bring the appropriate vehicle to each of your road tests. Make sure it is in good working order and you feel comfortable driving it. Bring your current licence to the appointment. If you are a Level One driver, an accompanying driver must come with you to the test centre. If you are a Level Two driver, please be prepared to take alternate transportation home in case you fail your road test and are unqualified to drive.No pets or passengers other than the driver examiner are allowed in the vehicle during a road test.
17Road TestsAll road tests have a set time frame. Before you begin your test, the examiner will inform you of the amount of time you have to complete the test. You will not be asked to do anything illegal during the road test.The examiner will explain the test and you should follow her or his instructions. The examiner is not allowed to coach you during the test, if you have any questions, ask them before you begin.While the Level One road test checks your basic driving skills, the Level Two road test is much more demanding. You should learn the proper driving skills as soon as you become a Level One driver so you can get as much driving experience as possible before taking the Level Two test.For the Level Two test, you must demonstrate a high level of driving skill and knowledge. You will also have to show that you can drive well on a freeway or high speed highway.
18Road TestsWhile you are taking the test, the examiner will be watching to see how well you control your vehicle and perform such driving tasks as starting, stopping, turning, parallel parking and three-point turning.The examiner will check your observation skills, including when and how often you use the mirrors, where you look, and how you respond to traffic, signs, pavement markings and possible hazards.You will be tested on how well you manage the space around your vehicle, your ability to make safe lane changes and how closely you follow and stop behind other vehicles. How you communicate with other road users — using turn signals and brake lights and making eye contact with other drivers and pedestrians will also be noted, as well as the correctness of your driving decisions, such as knowing when to yield the right-of-way.At the end of each test, the examiner will give you a complete report of your skills and explain any mistakes you have made. If you fail the test, the report will show you where you need to improve. When you have had more practice, you can make an appointment to take the test again. You must wait at least 10 days between tests.
19Demerit systemThe demerit point system encourages drivers to improve their behaviour and protects people from drivers who abuse the privilege of driving. Drivers convicted of driving-related offenses have demerit points recorded on their records. Demerit points stay on your record for two years from the date of the offence. If you collect enough demerit points, you can lose your driver’s licence.New driversAs a Level One or Level Two driver, you will have your licence suspended if you collect nine or more demerit points during a two-year period.You will be sent a warning letter after two or more demerit points. At six points, you may have to go to an interview to discuss your record. If you don’t go to the interview, your licence may be suspended. At nine points, your licence will be suspended for 60 days.After the suspension, the number of points on your record will be reduced to four. Any extra points could again bring you to the interview level. If you reach nine points again, your licence can be suspended for six months.
20Demerit system Probationary drivers Probationary drivers are automatically suspended if they collect six demerit points. You will be reminded of this by letter the first time you get demerit points. Your licence is suspended for 30 days from the time you hand it over to the Ministry of Transportation. You can lose your licence for up to two years if you fail to hand over your licence.When the suspension is over, all points are removed from your driver’s record and a new probationary period begins. You will stay on probation until you complete two one-year periods without being suspended. If your probationary period lasts more than three years you may be asked to complete a Level Two road test to become a fully licensed driver.
21Demerit system Fully licensed drivers If you collect six demerit points, you will be told about your record and urged to improve your driving habits.At nine points, you may have to go to an interview to discuss your record and give reasons why your licence should not be suspended. You may also have to complete a driver re-examination. If you fail this test, your licence can be cancelled. If you fail to attend an interview, or fail to give good reasons for keeping your licence, your licence may be suspended.At 15 points, your licence will be suspended for 30 days from the date you hand over your licence to the Ministry of Transportation. You can lose your licence for up to two years if you fail to hand over your licence.After the suspension, the number of points on your driver’s record will be reduced to seven. Any extra points could again bring you to the interview level. If you reach 15 points again, your licence will be suspended for six months.
22Demerit tableHere are the demerit point penalties for driving offences.7 pointsFailing to remain at the scene of a collisionFailing to stop for police6 pointsCareless drivingRacingExceeding the speed limit by 50 km/h or moreFailing to stop for a school bus5 pointsDriver of bus failing to stop at unprotected railway crossing4 pointsExceeding the speed limit by 30 to 49 km/hFollowing too closely3 pointsExceeding the speed limit by 16 to 29 km/hDriving through, around or under a railway crossing barrierFailing to yield the right-of-wayFailing to obey a stop sign, traffic light or railway crossing signalFailing to obey the directions of a police officerDriving the wrong way on a divided roadFailing to report a collision to a police officerImproper driving where road is divided into lanesCrowding the driver's seat
23Demerit table Going the wrong way on a one-way road Driving or operating a vehicle on a closed roadCrossing a divided road where no proper crossing is providedFailing to slow and carefully pass a stopped emergency vehicleFailing to move, where possible, into another lane when passing a stopped emergency vehicleImproper passing2 pointsFailing to lower headlight beamImproper opening of a vehicle doorProhibited turnsTowing people - on toboggans, bicycles, skis, for exampleFailing to obey signsFailing to stop at a pedestrian crossingFailing to share the roadImproper right turnImproper left turnFailing to signalUnnecessary slow drivingReversing on a divided high-speed roadDriver failing to wear a seat beltDriver failing to ensure that a passenger less than 23 kg is buckled into seat belt or child safety seatDriver failing to ensure passenger under 16 years wearing seat beltBacking on a highwayDriver failing to ensure child passenger is properly secured in an appropriate child restraint system or booster seat
24InsuranceThe primary learning outcomes desirable from this section are as follows:Become knowledgeable concerning the various types of vehicle insurance and their functionsLearn how a variety of factors contribute to higher or lower insurance ratesUnderstand the correct procedures if involved in a collisionRealize that there are “post-collision” considerations even days after the incident
26Ontario law requires that all motorists have automobile insurance. PolicyOntario law requires that all motorists have automobile insurance.Fines for vehicle owners, lessees and drivers who do not carry valid automobile insurance can range from $5,000 to $50,000.If you are found driving without valid automobile insurance, you can have your driver's licence suspended and your vehicle impounded.If you are convicted of driving without valid automobile insurance, your insurance company may consider you a "high-risk" driver and charge you higher premiums or refuse to sell you insurance altogether.
27Auto 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 province has insurance laws, requiring that you pay for damages that you cause.Policy
28…let’s consider them one at a time What are the differenttypes of auto insurance?Auto InsuranceThird Party Liability CoverageStatutory Accident Benefits CoverageDirect Compensation – Property DamageUninsured Automobile Coverage(these are required)Types of Car Insurance(these are optional)Additional Liability and Benefits CoverageExtra Coverage for Loss or Damageto your VehicleOther Optional Enhancements…let’s consider them one at a time
29Auto Insurance Third Party Liability Coverage Third Party Liability What is Liability?Auto InsuranceLiability insurance covers the damage you cause to other vehicles, people, or propertyThird PartyLiabilityCoverageThird PartyLiabilityCoverageThird PartyLiabilityCoverageOops, my faultThis section of your automobile insurance policy protects you if someone else is killed or injured, or their property is damaged. It will pay for claims as a result of lawsuits against you up to the limit of your coverage, and will pay the costs of settling the claims. By law you must carry a minimum of $200,000 in Third-Party Liability coverage.
30Auto Insurance Statutory Accident Benefits Coverage Statutory Accident What is this?Auto InsuranceThis section of your automobile insurance policy provides you with benefits if you are injured in an automobile accident, regardless of who caused the accident including supplementary medical, rehabilitation, attendant care, caregiver, non-earner and income replacement benefits.StatutoryAccidentBenefitsCoverageStatutoryAccidentBenefitsCoverageStatutoryAccidentBenefitsCoverage
31Auto Insurance Direct Compensation Property Damage Coverage What is this?Auto InsuranceThis section of your automobile insurance policy covers damage to your vehicle or its contents, and for loss of use of your vehicle or its contents, to the extent that another person was at fault for the accident. It is called direct compensation because even though someone else causes the damage, you collect directly from your own insurer, instead of the person who caused the damage.Direct CompensationProperty DamageCoverageDirect CompensationProperty DamageCoverageDirect CompensationProperty DamageCoverageCoverage under the DC-PD section of your automobile insurance policy only applies if the following conditions are met: the accident took place in Ontario; there was at least one other vehicle involved in the accident; and at least one of the other vehicles is also insured by an insurance company that is licensed in Ontario.
32... let's notice other coverages What is this?Auto InsuranceProtects you and your family if you are injured or killed by a hit-and-run driver or by an uninsured motorist. It also covers damage to your vehicle caused by an identified uninsured driver.UninsuredAutomotiveCoverageUninsuredAutomotiveCoverageUninsuredAutomotiveCoverage“Hey, you get back here!”These 4 coveragesare required... let's notice other coverages
33Auto Insurance Extra Coverage for Loss or Damage to your vehicle What are they?Auto InsuranceSpecified Perils Coverage: Pays for losses caused by one of the following perils: fire; theft or attempted theft; lightning, windstorm, hail, or rising water; earthquake; explosion; riot or civil disturbance; falling or forced landing of an aircraft or parts of an aircraft; or the stranding, sinking, burning, derailment or collision of any kind of transport in, or upon which an insured vehicle is being carried on land or water.Extra Coveragefor Loss or Damageto your vehicleExtra Coveragefor Loss or Damageto your vehicleExtra Coveragefor Loss or Damageto your vehicleComprehensive Coverage: This coverage pays for losses, other than those covered by Collision, including perils listed under Specified Perils, falling or flying objects, missiles and vandalism.
34Auto Insurance Extra Coverage for Loss or Damage to your vehicle What are they?Auto InsuranceCollision or Upset Coverage: This coverage pays for losses caused when an insured vehicle is involved in a collision with another object, including another vehicle, or rolls over. "Object" includes: another vehicle or a trailer that is attached to the vehicle that is covered by your insurance policy; the surface of the ground, and any object in or on the ground.Extra Coveragefor Loss or Damageto your vehicleExtra Coveragefor Loss or Damageto your vehicleExtra Coveragefor Loss or Damageto your vehicleAll Perils Coverage: This combines Collision or Upset and Comprehensive coverages. In addition, it covers loss or damage caused if a person who lives in your home steals the vehicle that is covered by your insurance policy. All Perils also covers you if an employee who drives or uses, services or repairs that vehicle, steals it. For example, if you take your vehicle to a garage for repairs and an employee involved in the repair of your vehicle steals it, All Perils would cover you.
35Increasing Your Liability and Accident Benefits Coverage InsurancePolicyIncreasing Your Liability and Accident Benefits CoverageIn addition to the mandatory minimum coverages that are required by law, you may purchase higher liability limits under your Third-party Liability coverage, as well as increased Accident Benefits coverages.Your insurance representative will be able to help you decide what level of coverage is best for you.Increased Third-Party Liability Coverage: While you are legally required to carry a minimum of $200,000, you may want to increase this coverage. The cost to increase your Third-Party Liability coverage to $1 million or $2 million is small in most cases.Optional Accident Benefits Coverages: You may also want to consider increasing your Statutory Accident Benefits coverage by buying any or all of the optional benefits listed below.Income Replacement Benefits: If you cannot work as the result of an automobile accident, you may be eligible for basic weekly income replacement benefits of up to $400. If this is not enough to cover your current after tax income level, you may want to consider buying optional income replacement benefits to increase your maximum weekly protection to $600, $800 or $1,000.Medical, Rehabilitation and Attendant Care Benefits: The standard maximum amount for medical and rehabilitation expenses, such as physiotherapy, chiropractic treatment, dental expenses, etc., is $100,000. If you are catastrophically injured, the standard maximum is $1,000,000. The standard maximum for attendant care is $72,000. If you are catastrophically injured, the standard maximum is $1,000,000. You can buy optional benefits which will cover up to $1,172,000 in additional medical, rehabilitation and attendant care expenses, and up to $3,000,000 for catastrophic injuries.
36Some provinces have No-Fault Insurance . . . let's consider it PolicyIncreasing Your Liability and Accident Benefits CoverageCaregiver Benefits: If you are providing care full-time to dependants and can no longer provide that care as the result of an automobile accident, you may be eligible for caregiver benefits if you need to hire someone to care for your dependants. The standard maximum amount for caregiver benefits is $250 per week for one dependant, plus $50 per week for each additional dependant. If you buy optional caregiver benefits, the coverage increases to $325 per week for one dependant, plus $75 per week for each additional dependant.Dependant Care Benefits: You can only claim optional dependant care benefits if you were employed at the time of the accident, are not receiving a caregiver benefit, and have to pay for additional childcare expenses as a result of the accident. Optional dependant care benefits cover up to $75 per week for the first dependant and $25 for each additional dependant.Death and Funeral Benefits: In the event that you die as a result of an automobile accident, the standard amount which will be paid is $25,000 to your eligible spouse or same-sex partner, $10,000 for each dependant, and a maximum of $6,000 for funeral expenses. If you buy optional benefits, you can increase these amounts to $50,000 to your eligible spouse or same-sex partner, $20,000 for each dependant, and $8,000 for funeral expenses.Some provinces have No-Fault Insurance let's consider it
37Auto 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 InsuranceWhat is No FaultInsurance?No FaultNo FaultNo FaultInsuranceNo fault insurance ishandled differentlyfrom province to province(G1 drivers are covered under No-Fault Insurance)Some provinces have this to prevent overburdening the courts with litigation.
38some insurance terminology Auto InsuranceLet’s now considersome insurance terminology
39Auto Insurance Premium: Deductible: What do these terms mean? What you pay for your insurance coverageMost policies are for a 6 month periodDeductible: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.InsuranceAutoSelecting a higher deductible willrequire a greater out of pocket expense,but it will also____________________lower the premium
40Auto Insurance How are rates determined? Collision and Violation recordAge of principal driverType of vehicle and miles drivenGender of driverMartial statusWhere the driver lives
41Auto Insurance Four Wheel Anti-lock brake system WHAT ARE SOMEWAYS YOU CAN SAVEMONEY ON INSURANCE?Auto InsuranceFour Wheel Anti-lock brake systemand passive restraints(Airbags or Automatic motorized seat belts)Anti-theft devicesGood DriverMulti-CarEconomy Car55 and RetiredGood StudentDriver Education
431) A new driver in Ontario must be at least ___________ to begin the process of obtaining a drivers licence.2) True or False: If you are a new resident in Ontario and have a valid driver’s licence from another province, state or country, you can use it for 60 days after you move to Ontario. _____3)Licence class ______Allows one to drive any car, van or small truck or combination of vehicle and towed vehicle up to ,000 kg provided the towed vehicle is not over 4,600 kg4) True or False: A Birth Certificate is required in orderto apply for a drivers license. _______________________5) To receive a driver licence you must also furnish proof of your _______ name.
446) The Graduated licence process is a two-step process that takes at least ___ months to complete.7) In addition to the written and road tests you must also pass a ___________ test.8) True or False: For the behind the wheel driving test, your vehicle must be in good working order, which includes many checks both inside and outside the vehicle. _______9) True or False: If you fail the driving test, you must wait at least one week before attempting to retake it. ___________10) True or False: You must not drive on 400-series highways with a posted speed limit over 80km/h. ____________
45You must pass ___ road tests to become fully licensed. Passing the first test lets you move to Level Two – Class_____12) At the G-1 level you are ______________ from driving between 12-5 am.13) At Level G-1 you must have an accompanying driver in the front seat with at least ___ years of valid driving experience.14) After 12 months at Level Two, you may take a road test to qualify for _____ ____________privileges. You must pass this test to get a Class G licence.15) True or False: If you are a Level Two driver, be prepared totake alternate transportation home in case you fail your roadtest and are unqualified to drive. _______
4616) Liability insurance covers the damage you cause to other vehicles, people or property. TRUE or FALSE:_________17) If you were to crash with an expensive vehicle and it was your fault, your ______________________would pay.18) If it was your fault in a crash and there were injuries in the other car your _____________________would pay.19) Statutory Accident Benefits Coverage covers injury expenses for occupants in an insured vehicle regardless of who was at fault. TRUE or FALSE:_______20) Collision insurance pays the cost of repairing the owner’s car when the other driver is at fault in the collision?TRUE or FALSE: _______
4721) What part of your insurance pays for a tree falling on your car during a storm? _____________________22) After about 7 years of car ownership, most people will ______________the comprehensive insurance on the car.23) Some provinces with this type of insurance, the driver’s insurance policy only covers their own damages: ________24) It pays for injuries in the event of a hit and run collision or if those who hit you have no insurance:______________25) The amount you usually pay to an insurance company every six months is called a: _______________26) The amount you agree to pay ahead of time toward the repair of the vehicle: ______________
4827) Selecting a higher deductible will usually result in a higher premium. TRUE or FALSE: ________ 28) TRUE or FALSE: Your premium rate is mostly based on your driving record, age, and type of vehicle. _______29) Married people, country dwellers and females will generally pay less than males, city people and singles?____30) True or False: Owning an economy car with an anti-lock braking system is one way of reducing your premium. ______
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50Drivers Edge: Interactive slides and videos CATEGORY: Copyrighted Driver Education School LiteratureThese electronic slide shows are produced by InterActive Enterprises. Microsoft PowerPoint ® 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: 2183 Doctor Robertson Rd., Spring Hill, TNThis slide show is a type of educational media and is copyrighted in regards to slide layout, text and arrangement. 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 MegaGallery and Corel Gallery 1,000,000 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 domainA 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) 2009 InterActive Enterprises