Driver's Ed Unit 6

If you are involved in a crash or accident, you must contact the police if the total property damage is at least

$1,500

What is the minimum amount for medical coverage (PIP) payments that is required by UTAH law?

$25,000

The average driver files a collision claim every _ years and a comprehensive claim every __ years

3, 10

When you apply for insurance, how does the insurance company assess what kind of driver you are?

Based on the accumulated statistics for drivers in your demographic

The most important types of insurance "coverage" are:

Bodily Injury and Property Damage Liability, Uninsured Motorist, Personal Injury Protection (also known as "No- fault" or "PIP"), Collision and Comprehensive

Collision

Covers repairs to your vehicle for damage caused by a collision, subject to a deductible, usually in a case when no other person is at fault.

Comprehensive

Covers repairs to your vehicle for damage caused by some reason other than collision, such as fire, theft, vandalism or glass breakage.

What is meant by the term "Future Proof"?

Evidence that you have the financial means to pay for any damages in a future accident

Which of the following actions could easily get you dropped from your auto insurance?

Failing to report a teenage driver for the car

Specific actions you could undertake to reduce your cost:

Maintain a good driving record--no tickets, No drug or Alcohol convictions, and Raise the deductible amount on your insurance policy

Personal Injury Protection (also known as "No- fault" or "PIP")

Mandatory and provides some basic benefits and coverage for bodily injury to you and others without having to determine "fault" in a crash.

Bodily Injury and Property Damage Liability

Mandatory coverage that provides payment for injuries or damages caused through your negligence to another person or another person's property.

When an insurance company says that a car is "totaled," what does that mean?

That it's worth less, after the deductible, than the amount it would take to restore it. It's probably time to buy a new car.

Most insurance companies refer to liability coverage by a series of three numbers. What do these numbers mean?

The numbers on your auto insurance policy represent the monetary limits on your liability coverage.

What kinds of records can insurers access?

Your credit record, Your motor vehicle record, and Your history of claims with other insurance companies

Uninsured Motorist

overs injuries to you and your passengers if you are in a crash that is caused by another driver who does not have insurance or by a "hit-and-run" driver.