Driver's ED- Standard 9 Questions and Answers Already Passed

Driver's ED- Standard 9 Questions and Answers Already Passed Virginia law requires drivers to be able to provide proof of __________ responsibility to a police officer or after a collision financial When are the THREE times you must provide proof of financial responsibility? When a police officer asks If you have a collision When registering your vehicle What is the minimum amount of liability coverage an individual must have? $20,000 property damage $50,000 bodily injury or death of two or more persons $25,000 bodily injury or death of one person What penalties does an individual face if they drive a vehicle without proof of financial responsibility? Higher insurance premiums when you apply for insurance Suspension of your vehicles registration Suspension of your drivers license $500 fine What option does a licensed driver in the state of Virginia have instead of purchasing liability insurance? $500 uninsured motorist fee which provides the driver with no insurance coverage $500 uninsured motorist fee Fee a driver can pay instead of purchasing insurance Liability Insurance covers other peoples expenses but not your expenses if you are at fault Medical Payments Covers medical and funeral expenses regardless of who's at fault Uninsured/Underinsured Motorist Pays your expenses if you are hit by someone without insurance or someone without enough insurance Collision Pays to replace or repair your car regardless of who is at fault Comprehensive Pays to replace or repair your car due to a non-collision event Towing and Labor Covers the towing or onsite labor charges for your vehicle Rental Reimbursement Pays for a car rental for you while your car is repaired What are FIVE factors that are used to determine the cost of insurance premiums? Age Gender Where you live Grades in school Driving record Safety technologies, airbags and other passive restraints percent off medical payments and bodily injury Anti-theft devices May reduce comprehensive premium; amount varies by device and county two or more cars on a policy May reduce liability, medical payments and collision insurance costs Defensive driving courses Percent off liability, collision and medical payments Drug/alcohol education Percent off liability, collision, medial payments and bodily injury (true or false) All insurance companies charge the same rates false Insurance companies can cancel your premium for any reason during the first ____ days after your policy is activated. 60 days What type of insurance will pay your bills your vehicle is hit by a driver who takes off after they collide with your vehicle (hit and run)? uninsured motorist What are the order of steps that should be followed if you are involved in a collision? 1.Stop immediately 2.Aid the injured 3.Prevent further damage 4.Send for police 5.Exchange information 6.Record witnesses' names and addresses 7.Notify insurance company/agent What FOUR things you should consider when deciding to purchase a vehicle. What will it cost how economical is it What safety features does it have Do I really need it When planning for your trip what must you consider regarding loading the vehicle? Do not overload the vehicles weight restrictions Car-top carriers affect braking Load the trunk area first Where should hazardous materials be disposed of? appropriate auto repair shop