Module 8 Insurance DOL Licensing Test Accident Reporting Cost of Driving to School

Types of Insurance Basic Liability (required by WA ST law) 25/50/10 Collision Damage to your vehicle if you are at fault Comprehensive Damage to your vehicle other than in a collision Personal Injury Protection (PIP) Injury to you or others in your car regardless of who is at fault Uninsured Motorist Covers you if you are hit by an uninsured driver High Risk Insurance (AKA – Assigned Risk) High Cost Insurance for the “uninsurable” offered by the state

Insurance Terms Liability: The cost to you for damage you cause to others Deductable: The amount you agree to pay BEFORE the insurance company begins to pay ($250 and up) Premium: The amount you agree to pay to be covered by the insurance company. The amount will vary depending on the type of coverage you want and other variable Financial Responsibility Law: You are required to be able to make restitution for any damages you cause. That is why Minimum Liability Insurance is required

Insurance Variables Age/Gender Type of Car Driving Record Safety Devises on your car Miles Driven on a regular day Where you live # of people covered # of vehicles covered

Variables you can control “Risk Control” Driving Record !! Drive Safely Safety Devises !! Get a car with many safety devises Types of Vehicle you drive !! 4 door, 2 door, family van, sports car Grades !! 3.0 or higher High Deductable Where you live !! Yakima & Tacoma Non-smoker

Insurance – each state sets rules insurance companies must follow Insurance companies are in business to MAKE MONEY. They set their prices and policies to make more money than they pay out. Washington: Minimum Liability Ins. California: “No Fault” Insurance Which is better/fairer??

DOL Presentation DOL Test Requirements Age (16 w/completion cert or 18) Proof of ID & Age Written =$35 Exam Fee Drive =$35 Completion Certificate License =$45 Take and pass written test Take and pass color/vision test Take and pass driving test Take your permit (you will turn it in) Show Proof of Insurance Bring Street Legal Car Pay Licensing Fee

DOL Presentation To take the Driving Exam Take and Pass the written test Schedule an appointment for drive test !!! Show up early !!! Have car ready for the test What to take to the Exam Written Test: Show Proof of ID Pass Eye Test Pay $$ ($20) Drive Test: Street Legal Car TSE Completion Certificate Proof of ID Permit with you Pay $$ ($20)

DOL Presentation (Shelton) Tips for the Road Test (Shelton) Make Appointment for Test (usually 1-2 weeks) Arrive on Time (maybe even a little early) Have all necessary things Drive to the test – sets accessories RELAX – if you pass us, you can pass them CONTROL YOUR SPEED CONTROL YOUR DIRECTION Don’t “FREAK OUT” due to mistakes

DOL Presentation Biggest Reason for Failure Written: Test Nerves Didn’t Study the “Drivers Guide” Road: Test Nerves Didn’t Control Speed or Direction Couldn’t Park

DOL Presentation What to do if you fail the test Written: Study Drivers Guide Repay fee if needed (you get 1 retake for free) Show Proof of ID Road: Reschedule test (usually 1-3 weeks) Practice, Practice, Practice

Bike and Motorcycle Safety

Bicycle Safety DVD What rules do bike riders have to follow when riding on the roadway? How/Why do drivers need to keep an eye out for bike riders, especially in residential areas?

Situation One Rate each vehicle on Acceleration Deceleration Maneuverability Stability Driver Visibility 1 = a bad option 2 = a not so good option 3 = an okay option 4 = a good option 5 = the best option

Situation Two Rate each vehicle on Acceleration Deceleration Maneuverability Stability Driver Visibility

Situation Three Rate each vehicle on Acceleration Deceleration Maneuverability Stability Driver Visibility

Cell Phone Laws

Rules on use of cell phones have changed over the years 1 st – Secondary Law Now – Primary Law Hands Free Only

Cell Phones Texting While Driving In Washington state, it is illegal to text while driving It is also illegal to use a hand-held cell phone while driving Both are $124 fines for first offense

Types of Insurance (required by WA ST law) Basic Liability (required by WA ST law) 25/50/10 Collision Damage to your vehicle if you are at fault Comprehensive Damage to your vehicle other than in a collision Personal Injury Protection (PIP) Injury to you or others in your car regardless of who is at fault Uninsured Motorist Covers you if you are hit by an uninsured driver High Risk Insurance (AKA – Assigned Risk) High Cost Insurance for the “uninsurable” offered by the state

Road Speeds City = 25, 30, 35 County = 35, 40, 45, 50 Highway = 45, 50,55

Last Bits of Information 24 hours to report a crash Financial Responsibility Laws Must carry insurance (25/50/10) You may be legally right & still be responsible for damages “Last Clear Chance” – legal responsibility will be determined, partially, if you had a chance to avoid the situtation License good for 5 years, expire on BD Keep title away from car Registration kept in car

The Cost of Driving to School Here is a formula that you can use to calculate the potential cost of driving to school over the school year. _______________ x 20 school days per month = ______________(A) (round trip – home to school & back) (A) _______________ x $ 0.42 =_______________(B) (Monthly cost) (B)_______________ x 9 months of school = _______________(C) (C)_______________ + $20 parking fee = _______________ TOTAL COST TO DRIVE TO SCHOOL FOR YEAR

Cost of Driving to School Here’s a formula that you can use to calculate the potential cost of driving to school over the school year. 15 (Ms. Copp’s Home) X 20 School Days/Month = 300___________ Round Trip to/fromMiles Per Month School X $0.39 =__$117__________ Monthly Cost ___$117_______X 9 Months + $20 Parking Fee =__$1053__________ Monthly CostAnnual Cost to Drive To School