Chapter 1 – Lesson 1 The HTS and Risk Management.

Chapter 1 – Lesson 1Chapter 1 – Lesson 1

The HTS and Risk ManagementThe HTS and Risk Management

What does HTS stand What does HTS stand for?for?

Highway Transportation SystemHighway Transportation System

What are the three parts What are the three parts to HTS?to HTS?

Motor VehiclesMotor Vehicles RoadwaysRoadways People/Pedestrians People/Pedestrians

Who regulates the highway Who regulates the highway transportation system? transportation system?

Federal, State, and local governments Federal, State, and local governments work together. work together.

What does the Highway What does the Highway Safety Act control?Safety Act control?

The regulations for vehicle registration, The regulations for vehicle registration, road construction, and maintenance, and road construction, and maintenance, and driver licensing.driver licensing.

Although each state has its Although each state has its own laws and governing own laws and governing the use of motor vehicles, the use of motor vehicles, the federal government has the federal government has also set national highway also set national highway and driving standards. and driving standards.

Tell me by marking Tell me by marking SS or or FF next to the next to the provision whether it is provision whether it is SState or tate or FFederal ederal Law.Law.

Establishes 70 MPH as Establishes 70 MPH as the maximum speed that the maximum speed that may be driven anywhere. may be driven anywhere.

FF

Sets national standards Sets national standards for all motor vehicle for all motor vehicle

equipment.equipment.

FF

Regulates vehicle Regulates vehicle inspection.inspection.

SS

Enforces traffic Enforces traffic laws.laws.

SS

Tells what highway Tells what highway maintenance the state maintenance the state

must providemust provide

FF

Regulates vehicle Regulates vehicle registration.registration.

SS

Instructs automobile Instructs automobile manufacturers about manufacturers about

what safety devices they what safety devices they must provide.must provide.

FF

Assigns points to driver’s Assigns points to driver’s record for traffic violations.record for traffic violations.

SS

Regulates driver Regulates driver licensing.licensing.

SS

Requires the vehicle Requires the vehicle manufacturer to recall a manufacturer to recall a vehicle and correct any vehicle and correct any

defects, discovered after a defects, discovered after a vehicle is sold.vehicle is sold.

FF

What are some ways that What are some ways that you can reduce driving you can reduce driving risk when using the HTS?risk when using the HTS?

Keeping your vehicle in top conditionKeeping your vehicle in top condition Anticipate the actions of others Anticipate the actions of others Take steps to protect yourself and othersTake steps to protect yourself and others Drive only when you are in sound Drive only when you are in sound

physical and mental conditionphysical and mental condition Make an effort to develop driving skillsMake an effort to develop driving skills

The way highways in the HTS are The way highways in the HTS are numbered can tell you something numbered can tell you something about the road on which you’re about the road on which you’re traveling.traveling. If the number on the highway sign is odd, it means that the road goes__.If the number on the highway sign is odd, it means that the road goes__.

North and southNorth and south An even numbered sign means the road goes__. An even numbered sign means the road goes__.

East and WestEast and West Interstate numbers range from 4 to 99. the greater the number, the father Interstate numbers range from 4 to 99. the greater the number, the father

__ you are.__ you are. NorthNorth

The greater the odd number, the farther __ you are. The greater the odd number, the farther __ you are. EastEast

Margin of SpaceMargin of Space The space between your vehicle and other vehicles which allows you The space between your vehicle and other vehicles which allows you

room to maneuver. ALWAYS LEAVE YOURSELF AN OUT! room to maneuver. ALWAYS LEAVE YOURSELF AN OUT!

http://www.onlineatlas.us/interstate-http://www.onlineatlas.us/interstate-highways.htmhighways.htm

Chapter 1 – Lesson Chapter 1 – Lesson 22

Understanding and Applying the Understanding and Applying the SIPDE Process Process

The SIPDE process is an organized The SIPDE process is an organized system to help you make sound system to help you make sound

decisions and reduce driving risk.decisions and reduce driving risk.Name the elements of the SIPDE process, and write a brief description.Name the elements of the SIPDE process, and write a brief description. SS

SEARCHSEARCH the roadway and off-road areas 20 to 30 seconds ahead for the roadway and off-road areas 20 to 30 seconds ahead for information that can help you select a planned path of travel.information that can help you select a planned path of travel.

II IDENTIFY IDENTIFY objects or conditions 12 to 15 seconds ahead that could objects or conditions 12 to 15 seconds ahead that could

interfere with planned path.interfere with planned path. PP

PREDICTPREDICT any actions or changes in conditions that could increase any actions or changes in conditions that could increase the level of risk.the level of risk.

DD DECIDEDECIDE what action to take 4 to 5 seconds ahead to reduce the level what action to take 4 to 5 seconds ahead to reduce the level

of risk.of risk. EE

EXECUTEEXECUTE what you have decided to do. what you have decided to do.

True or FalseTrue or False

You should look ahead 20 to 30 seconds on You should look ahead 20 to 30 seconds on the roadway for information that can help you the roadway for information that can help you select your path of travel.select your path of travel.

TrueTrue

Using the SIPDE process makes you a less safe Using the SIPDE process makes you a less safe driver because you are concentrating on the driver because you are concentrating on the process, not on driving.process, not on driving.

FalseFalse -Using the SIPDE process make you a safer -Using the SIPDE process make you a safer driver.driver.

True of FalseTrue of False

Using the SIPDE process trains you to Using the SIPDE process trains you to identify possible problems in the roadway identify possible problems in the roadway at least 6-8 seconds ahead.at least 6-8 seconds ahead.

False- False- Using the SIPDE process trains you to Using the SIPDE process trains you to

identify problems in the roadway 12 to 15 identify problems in the roadway 12 to 15 seconds ahead.seconds ahead.


The final step in the SIPDE process The final step in the SIPDE process usually involves making a routine usually involves making a routine maneuvermaneuver TrueTrue

The most important part in the SIPDE The most important part in the SIPDE process is to practice applying it in your process is to practice applying it in your driving.driving. TrueTrue


Understanding and Using the Smith Understanding and Using the Smith SystemSystem

What is the importance What is the importance of the Smith System?of the Smith System?

A series of principles designed to help A series of principles designed to help you drive safely and defensively.you drive safely and defensively.

What are the Five Smith System What are the Five Smith System habits? What will you be habits? What will you be specifically looking for and doing in specifically looking for and doing in each?each?

1.1. Aim high and look ahead not downAim high and look ahead not down – – look ahead for curves, intersections, look ahead for curves, intersections, stop signs, stop lights, brake lights stop signs, stop lights, brake lights indicating traffic slowing, lanes closing indicating traffic slowing, lanes closing ahead, traffic merging.ahead, traffic merging.

2.2. Keep your eyes movingKeep your eyes moving – continually – continually changing what your eyes are looking changing what your eyes are looking at, from the road far ahead to close by, at, from the road far ahead to close by, to the mirrors, to the off-road areas, and to the mirrors, to the off-road areas, and back to the road. back to the road.

3.3. Get the big pictureGet the big picture – look at the whole – look at the whole scene: the flow of traffic, the pedestrian scene: the flow of traffic, the pedestrian traffic, school buses, children, heavy traffic, traffic, school buses, children, heavy traffic, weather conditions, signs.weather conditions, signs.

4.4. Make sure that others can see youMake sure that others can see you – Drive – Drive with low-beam headlights on, stay out of with low-beam headlights on, stay out of other drivers’ blind spots, tap your brake other drivers’ blind spots, tap your brake lights when slowing, signal intention to turn lights when slowing, signal intention to turn well in advance.well in advance.

5.5. Leave yourself an outLeave yourself an out – Keep aware of all – Keep aware of all space around you. Have lanes to left or right space around you. Have lanes to left or right open in case you have to move to avoid a open in case you have to move to avoid a collision, and enough space in front to stop collision, and enough space in front to stop safely.safely.


The Value of Taking a Driver Education The Value of Taking a Driver Education CourseCourse

How can a driver education How can a driver education course be of value to you?course be of value to you?

Provide you with knowledge of vehicles; Provide you with knowledge of vehicles; develop your ability to make sound develop your ability to make sound driving decisions; provide awareness of driving decisions; provide awareness of emotional and physical factors that can emotional and physical factors that can impede driving ability; provide knowledge impede driving ability; provide knowledge about vehicle maintenance and traffic about vehicle maintenance and traffic laws. laws.

What factors might What factors might interfere with your ability to interfere with your ability to drive safely? drive safely?

Your emotional state; effects of illness or Your emotional state; effects of illness or injury; side effects of medications; effects injury; side effects of medications; effects of alcohol and other drugs; the feeling of alcohol and other drugs; the feeling that there is little or no risk involved in that there is little or no risk involved in driving. driving.

Chapter 1 ReviewChapter 1 Review Driving with your headlights on during the Driving with your headlights on during the

daylight hours. . .daylight hours. . .a. increases your chances of being seen.a. increases your chances of being seen.

b. increases engine efficiency.b. increases engine efficiency.

c. allows you to pass in a no-passing c. allows you to pass in a no-passing zone.zone.

Risk in driving. . .Risk in driving. . .a. does not pertain to good drivers.a. does not pertain to good drivers.

b. depends on the confidence of the driver.b. depends on the confidence of the driver.

c. is always present.c. is always present.

The Smith System. . .The Smith System. . .a. is a three-step process.a. is a three-step process.

b. is a regulated by the National Motor b. is a regulated by the National Motor Vehicle Safety Act.Vehicle Safety Act.

c. are principles that help you drive c. are principles that help you drive safely.safely.

The HTS is regulated by. . .The HTS is regulated by. . .a. the National Highway Safety Act.a. the National Highway Safety Act.

b. the FBI.b. the FBI.

c. federal, state, and local governments.c. federal, state, and local governments.

Visibility Visibility refers to your ability to. . .refers to your ability to. . .a. see and be seen.a. see and be seen.b. judge the speed of your vehicleb. judge the speed of your vehiclec. driving without wearing eyeglasses.c. driving without wearing eyeglasses.

When you drive, reduced __ means increased When you drive, reduced __ means increased risk.risk. VisibilityVisibility

__ is a system designed to help you gather __ is a system designed to help you gather information in an organized way.information in an organized way. SIPDESIPDE

““Make sure others see you” is a basic principle Make sure others see you” is a basic principle of the __.of the __. Smith SystemSmith System


Playing in the streetPlaying in the street FF

Taking a shortcut from sidewalk to cornerTaking a shortcut from sidewalk to corner HH

Crossing between intersectionsCrossing between intersections DD

Stepping out from between parked vehiclesStepping out from between parked vehicles BB

Ignoring trafficIgnoring traffic EE

Walking in traffic when intoxicatedWalking in traffic when intoxicated AA

Walking diagonally across an intersectionWalking diagonally across an intersection GG

Crossing against a signalCrossing against a signal CC

What are some pedestrian What are some pedestrian behaviors that lead to behaviors that lead to collisions with vehicles?collisions with vehicles?

Jaywalking, darting into the street Jaywalking, darting into the street between parked vehicles, playing in the between parked vehicles, playing in the street, rushing to beat a changing light.street, rushing to beat a changing light.

What precautions can What precautions can drivers take to avoid drivers take to avoid collisions with children?collisions with children?

Use the SIPDE process; be alert for Use the SIPDE process; be alert for signs of children; position the vehicle for signs of children; position the vehicle for maximum visibility; reduce speed; scan maximum visibility; reduce speed; scan continuously; take special care when continuously; take special care when backing the vehicle up.backing the vehicle up.

What are some of the basic What are some of the basic safety rules pedestrians safety rules pedestrians should follow?should follow?

Obey all rules, signals, and signs; never Obey all rules, signals, and signs; never assume drivers will see you; don’t step assume drivers will see you; don’t step off the curb while waiting for a light to off the curb while waiting for a light to turn green; before crossing a street, look turn green; before crossing a street, look and listen for vehicles; take young and listen for vehicles; take young children by the hand when crossing children by the hand when crossing streets.streets.

If you can’t avoid hitting a If you can’t avoid hitting a large animal, what steps large animal, what steps should you take to minimize should you take to minimize the damage to your vehicle?the damage to your vehicle?

Brake firmly; steer to strike the animal at Brake firmly; steer to strike the animal at an angle.an angle.


Sharing the Roadway with Motorcycles and Sharing the Roadway with Motorcycles and BicyclesBicycles


On the roadway, motorcycles are less On the roadway, motorcycles are less visible than cars.visible than cars. TrueTrue

When driving behind a cyclist, reduce When driving behind a cyclist, reduce your following distance.your following distance. False, when driving behind a cyclist, False, when driving behind a cyclist,

increase your following distance.increase your following distance.


The risk of a serious or fatal injury to a The risk of a serious or fatal injury to a driver of a motorcycle involved in a driver of a motorcycle involved in a collision is low. collision is low. False, the risk of a fatal injury to a driver of a False, the risk of a fatal injury to a driver of a

motorcycle involved in a collision is high.motorcycle involved in a collision is high.

Since a motorcycle is smaller than a car, Since a motorcycle is smaller than a car, it is safe to pass one in a tight space.it is safe to pass one in a tight space. False, it is dangerous to pass a motorcycle False, it is dangerous to pass a motorcycle

in a tight space.in a tight space.


Two-wheeled vehicles are most difficult Two-wheeled vehicles are most difficult to spot when they approach from behind to spot when they approach from behind on a highway.on a highway. TrueTrue

Describe problems that cyclists can Describe problems that cyclists can cause for a driver: Explain how you cause for a driver: Explain how you would manage risk in each would manage risk in each circumstance.circumstance. Cyclists are difficult to see: search the Cyclists are difficult to see: search the

roadway and check blind spots.roadway and check blind spots. Cyclists may fail to obey traffic laws: be Cyclists may fail to obey traffic laws: be

alert and ready to take evasive action.alert and ready to take evasive action. Cyclists may have difficulty coping with Cyclists may have difficulty coping with

road conditions: allow them extra space road conditions: allow them extra space to maneuver, and try to anticipate to maneuver, and try to anticipate adjustments they may have to make.adjustments they may have to make.

What should motorcyclists What should motorcyclists do to avoid risks on the do to avoid risks on the roadway?roadway?

Cyclists should keep out of the drivers’ Cyclists should keep out of the drivers’ blind spots, avoid weaving in and out of blind spots, avoid weaving in and out of lanes, and obey all traffic laws.lanes, and obey all traffic laws.

Most cyclists are hit by vehicles turning Most cyclists are hit by vehicles turning left.left.


Sharing the Roadway with Other VehiclesSharing the Roadway with Other Vehicles


Trucks on the roadway today can be up to 60 Trucks on the roadway today can be up to 60 feet long.feet long. False, Trucks on the roadway can be up to 120 feet False, Trucks on the roadway can be up to 120 feet

long.long.

Truck drivers have excellent visibility ahead.Truck drivers have excellent visibility ahead. TrueTrue

A truck tends to lose speed when going A truck tends to lose speed when going downhill.downhill. False, a truck tends to gain speed going downhill.False, a truck tends to gain speed going downhill.


You should decrease your following distance when You should decrease your following distance when driving behind a truck.driving behind a truck. False, you should increase your following distance when False, you should increase your following distance when

following a truck.following a truck.

You should pass a truck on the right side of the You should pass a truck on the right side of the roadway.roadway. False, never pass a truck on the right side of the roadway.False, never pass a truck on the right side of the roadway.

You should use the 2-second rule when following a You should use the 2-second rule when following a bus.bus. False, you should use the 4-second rule when following a bus.False, you should use the 4-second rule when following a bus.


When driving a small, low-powered vehicle, you should When driving a small, low-powered vehicle, you should allow extra space and time to pass another vehicleallow extra space and time to pass another vehicle truetrue

If you see an emergency vehicle with its lights flashing, If you see an emergency vehicle with its lights flashing, you should allow extra space and time to pass another you should allow extra space and time to pass another vehicle.vehicle. False- you should pull to the right to let an emergency vehicle False- you should pull to the right to let an emergency vehicle

pass if its lights are flashing.pass if its lights are flashing. When you are sharing the roadway with a slow-moving When you are sharing the roadway with a slow-moving

vehicle, what are three precautions you should take?vehicle, what are three precautions you should take? Reduce speedReduce speed Follow at a safe distanceFollow at a safe distance Before passing, try to anticipate the driver’s actions.Before passing, try to anticipate the driver’s actions.

Chapter 13 – lesson 4Chapter 13 – lesson 4

Safe driving procedures at railroad Safe driving procedures at railroad crossingcrossing


When you come to any railroad crossing, you should When you come to any railroad crossing, you should always slow downalways slow down TrueTrue

You should stop no closer than 5 feet from a railroad You should stop no closer than 5 feet from a railroad crossing.crossing. False- you should stop no closer than 15 feet from a railroad False- you should stop no closer than 15 feet from a railroad

crossingcrossing If the lights at a railroad crossing are flashing, you can If the lights at a railroad crossing are flashing, you can

cross the tracks only if you do not see a train and after cross the tracks only if you do not see a train and after looking carefully.looking carefully. False- if the lights at a railroad crossing are flashing, you must False- if the lights at a railroad crossing are flashing, you must

stop.stop.


A railroad crossing with no lights flashing does A railroad crossing with no lights flashing does not necessarily mean that it is safe to cross not necessarily mean that it is safe to cross without looking first.without looking first. TrueTrue

You should stop on railroad tracks only if the You should stop on railroad tracks only if the vehicle ahead of you has stopped.vehicle ahead of you has stopped. False- you should never stop on railroad tracksFalse- you should never stop on railroad tracks

As soon as a train has passed, you should look As soon as a train has passed, you should look and listen to see if there is another train before and listen to see if there is another train before moving.moving. True True

Chapter 13 reviewChapter 13 review

What must you do to negotiate a railroad crossing What must you do to negotiate a railroad crossing safely?safely? Slow down and look for warning lights, signals, or lowered Slow down and look for warning lights, signals, or lowered

gates. Before crossing the tracks, stop, look and listen for gates. Before crossing the tracks, stop, look and listen for trains in both directionstrains in both directions

What would you do if your vehicle stalled on railroad What would you do if your vehicle stalled on railroad tracks?tracks? Check fro approaching trainsCheck fro approaching trains If a train is coming, leave your vehicle, move away from the If a train is coming, leave your vehicle, move away from the

tracks, walking in the direction the train is coming from.tracks, walking in the direction the train is coming from. If you can’t start the vehicle and no train is coming, try to push If you can’t start the vehicle and no train is coming, try to push

the vehicle off the tracks.the vehicle off the tracks.

Chapter 13 ReviewChapter 13 Review

When driving behind a tractor-trailer,When driving behind a tractor-trailer, A. Allow at least a 4-second following distance.A. Allow at least a 4-second following distance.

Collisions with pedestrians occur most oftenCollisions with pedestrians occur most often A. At intersectionsA. At intersections

Drivers who travel the same route every dayDrivers who travel the same route every day B. Pay less attention to their surroundings.B. Pay less attention to their surroundings.

Drivers use ground viewing toDrivers use ground viewing to B. Search beneath parked vehicles for signs of B. Search beneath parked vehicles for signs of

movement.movement.

Chapter 13 Review cont.Chapter 13 Review cont.

Because truck drivers sit high above the Because truck drivers sit high above the surface of the roadway, theysurface of the roadway, they B. Have great visibility of the road aheadB. Have great visibility of the road ahead

When driving behind a cyclist, you shouldWhen driving behind a cyclist, you should A. Increase your following distance.A. Increase your following distance.

If you approach a railroad crossing when If you approach a railroad crossing when a train is coming, you shoulda train is coming, you should A. Stop at least 15 feet from the crossing.A. Stop at least 15 feet from the crossing.

Chapter 13 Review cont.Chapter 13 Review cont.

Crossing a street without regard for traffic Crossing a street without regard for traffic rules or signals is calledrules or signals is called JaywalkingJaywalking

Cyclists often squeeze between vehicles Cyclists often squeeze between vehicles traveling in lanes.traveling in lanes. ParallelParallel

Chapter 16- lesson Chapter 16- lesson 11Determining personal need when Determining personal need when considering buying a vehicle.considering buying a vehicle.

How can you tell if you really need a vehicle?How can you tell if you really need a vehicle?

Consider how much travel you do, how can you Consider how much travel you do, how can you get to the places you need to get to, and get to the places you need to get to, and whether you have access to a family vehicle. whether you have access to a family vehicle. Can you afford a vehicle?Can you afford a vehicle?

How should passenger comfort and How should passenger comfort and maintenance costs influence the kind of vehicle maintenance costs influence the kind of vehicle you buy? you buy?

Passenger comfort influences your decisions Passenger comfort influences your decisions about vehicle size and number of doors; about vehicle size and number of doors; maintenance costs influence your decision maintenance costs influence your decision about the age and condition of the vehicle you about the age and condition of the vehicle you choose.choose.

Chapter 16-section Chapter 16-section 22How to obtain financing for a new or How to obtain financing for a new or used vehicle.used vehicle.

Since most fatalities in head on collisions occur Since most fatalities in head on collisions occur when the driver hits the steering wheel, a good when the driver hits the steering wheel, a good safety device to prevent this from happening is safety device to prevent this from happening is ….….

AN AIR BAG AN AIR BAG If you are evaluating a vehicle and discover If you are evaluating a vehicle and discover

that this particular make and model has a that this particular make and model has a death rate of 4 per 10,000 registered vehicles, death rate of 4 per 10,000 registered vehicles, you should…you should…

NOT BUY THE VEHICLENOT BUY THE VEHICLE Examples of low visibility colors are…Examples of low visibility colors are…

BLUE, BROWN and BLACKBLUE, BROWN and BLACK

The death rate in small vehicles is almost …. The death rate in small vehicles is almost …. As in the largest vehicles.As in the largest vehicles.

TWICE AS MUCHTWICE AS MUCH As vehicles increase in weight, their safety As vehicles increase in weight, their safety

usually ….usually ….

INCREASESINCREASES The number of times the drive shaft revolves to The number of times the drive shaft revolves to

make the wheels turn once is called the ….make the wheels turn once is called the ….

A vehicle with 6 cylinders uses… fuel than a A vehicle with 6 cylinders uses… fuel than a

vehicle with 4 cylinders.vehicle with 4 cylinders.

MORE

How can information from the insurance institute for highway How can information from the insurance institute for highway safety help you evaluate a vehicle’s safety? safety help you evaluate a vehicle’s safety?

The institute provides data on death rates in crashes by make and The institute provides data on death rates in crashes by make and model. model.

Describe how test driving a vehicle can help you evaluate how Describe how test driving a vehicle can help you evaluate how comfortable it is.comfortable it is.

You can see whether switches, controls, and dials are within easy You can see whether switches, controls, and dials are within easy reach and whether the seat feels comfortable; you can judge how reach and whether the seat feels comfortable; you can judge how smoothly the vehicle rides.smoothly the vehicle rides.

How does the type of engine a vehicle has affect its fuel How does the type of engine a vehicle has affect its fuel efficiency?efficiency?

The more engine cylinders, the more fuel consumed.The more engine cylinders, the more fuel consumed. What should you check when you select a used vehicle?What should you check when you select a used vehicle?

Paint condition, presence of rust, tire condition, tailpipe, radiator, Paint condition, presence of rust, tire condition, tailpipe, radiator, transmission, engine, lights, turn indicators, windows and door transmission, engine, lights, turn indicators, windows and door locks, service stickers, safety belts, airbags, and head restraintslocks, service stickers, safety belts, airbags, and head restraints. .

Chapter 16- lesson Chapter 16- lesson 33How to obtain financing for a new or How to obtain financing for a new or used vehicle. used vehicle.

Where would you go to get financing for a Where would you go to get financing for a vehicle?vehicle?

A bank, credit union, the dealer, financing A bank, credit union, the dealer, financing company.company.

What advice would you give someone about What advice would you give someone about financing a vehicle?financing a vehicle?

Check various financing sources to find the best Check various financing sources to find the best terms know what your monthly payments will be.terms know what your monthly payments will be.

Lending agencies lend money to make money. Lending agencies lend money to make money. Different sources of financing often charge Different sources of financing often charge different interest rates. different interest rates.

What is the amount of the loan based on?What is the amount of the loan based on?

The amount of the loan is based on the cost The amount of the loan is based on the cost of the vehicle and the amount of time you of the vehicle and the amount of time you have to pay back the loan which is based have to pay back the loan which is based on whether the vehicle is new or used.on whether the vehicle is new or used.

Chapter 16- lesson Chapter 16- lesson 44Choosing and purchasing insurance Choosing and purchasing insurance for a vehicle.for a vehicle.

What is liability insurance?What is liability insurance?

Insurance that protects you against claims if you are at Insurance that protects you against claims if you are at fault in a collision and helps pay for any injury or fault in a collision and helps pay for any injury or property damage you causedproperty damage you caused

What is comprehensive insurance?What is comprehensive insurance?

Insurance that covers the cost of repairs for vehicle Insurance that covers the cost of repairs for vehicle damage caused by anything other than a collision, damage caused by anything other than a collision, such as theft, fire, explosions, natural disasters, falling such as theft, fire, explosions, natural disasters, falling objects, or vandalism. objects, or vandalism.

What is medical payment insurance?What is medical payment insurance?

Insurance that covers medical, hospital, or funeral costs Insurance that covers medical, hospital, or funeral costs regardless of who is at fault. It also pays if you or a regardless of who is at fault. It also pays if you or a member of your family is injured or killed while riding in member of your family is injured or killed while riding in someone else's vehicle.someone else's vehicle.

What is collision insurance?What is collision insurance?

Insurance that covers the cost of repairs to your Insurance that covers the cost of repairs to your vehicle even if you are at fault in a crash or are vehicle even if you are at fault in a crash or are involved with an uninsured driver. It also involved with an uninsured driver. It also covers repairs to your vehicle if it is damaged covers repairs to your vehicle if it is damaged in a parking lot or in a parking space on the in a parking lot or in a parking space on the street.street.

What is uninsured motorist insurance?What is uninsured motorist insurance?

Protection from financing losses resulting from a Protection from financing losses resulting from a collision involving a driver who does not have collision involving a driver who does not have insurance protection or from a hit and run insurance protection or from a hit and run driver, also protects you in states where no driver, also protects you in states where no liability insurance is required. liability insurance is required.

What is no fault insurance?What is no fault insurance?

A system in which ones insurance company A system in which ones insurance company pays ones medical bills, and any other pays ones medical bills, and any other costs resulting from a collision related costs resulting from a collision related injury regardless of who is at fault.injury regardless of who is at fault.

What is towing insurance?What is towing insurance?

Towing insurance covers the cost of on road Towing insurance covers the cost of on road repairs and the cost of having your vehicle repairs and the cost of having your vehicle towed. towed.

read each description below. Fill in the blank with the letters read each description below. Fill in the blank with the letters of any type or types of insurance you think will cover each of any type or types of insurance you think will cover each accident. You may have to list more than one type of accident. You may have to list more than one type of insurance. insurance.

LI= liability CM= comprehensive MP= Medical payment LI= liability CM= comprehensive MP= Medical payment CL=collisionCL=collision

… … you see a red light ahead and begin to slow down. A you see a red light ahead and begin to slow down. A driver behind you does not realize your stopping. The driver behind you does not realize your stopping. The vehicle hits your car and damages a fender. The other vehicle hits your car and damages a fender. The other driver admits to not having watched the road carefully. driver admits to not having watched the road carefully.

CL, LICL, LI … … you are driving on a county road at night. Suddenly you are driving on a county road at night. Suddenly

you hear a loud noise and feel a jolt. You stop the you hear a loud noise and feel a jolt. You stop the vehicle and find that a large tree limb has fallen onto vehicle and find that a large tree limb has fallen onto your roof leaving a big dent. your roof leaving a big dent.

CMCM

……You are driving along the street, your You are driving along the street, your worried that a carton of groceries on the worried that a carton of groceries on the back seat is about to slide onto the floor. back seat is about to slide onto the floor. Reaching back to steady it, you take your Reaching back to steady it, you take your eyes off the road for a moment. You hit a eyes off the road for a moment. You hit a vehicle that is parked on the side of the vehicle that is parked on the side of the street. You have made a big dent in the street. You have made a big dent in the other vehicles side. Your vehicle has a other vehicles side. Your vehicle has a broken light and a collapsed fender. In broken light and a collapsed fender. In addition your left are hurts- the jolt of the addition your left are hurts- the jolt of the accident has wrenched your left shoulder.accident has wrenched your left shoulder.

LI,CL, MPLI,CL, MP

… … you look for your vehicle one morning you look for your vehicle one morning and discover that it is not where you left it. and discover that it is not where you left it. Your sure that you parked it in front of you Your sure that you parked it in front of you house. Someone has stolen your vehicle. house. Someone has stolen your vehicle.

CMCM

_____ insurance pays for loses with out determining _____ insurance pays for loses with out determining who is to blame for an accident. who is to blame for an accident.

NO FAULTNO FAULT _____ insurance covers damage to your vehicle by a _____ insurance covers damage to your vehicle by a

tornado.tornado.

COMPREHENSIVECOMPREHENSIVE _____ insurance covers victims of a hit and run._____ insurance covers victims of a hit and run.

UN INSURED MOTORISTUN INSURED MOTORIST _____ insurance pays for damages you have caused. _____ insurance pays for damages you have caused.

PROPERTY DAMAGE LIABILITYPROPERTY DAMAGE LIABILITY _____ insurance will pay if your vehicle is damaged _____ insurance will pay if your vehicle is damaged

while parked on the road. while parked on the road.

COLLISION COLLISION

Chapter 1 – Lesson 1 The HTS and Risk Management.

Documents

Transcript of Chapter 1 – Lesson 1 The HTS and Risk Management.