Podcast
Questions and Answers
What is a financial responsibility that comes with vehicle ownership? (Select all that apply)
What is a financial responsibility that comes with vehicle ownership? (Select all that apply)
- Insurance (correct)
- Registration (correct)
- Gas (correct)
- Maintenance
What is one of the drawbacks to buying a new car?
What is one of the drawbacks to buying a new car?
The price of insurance is higher.
How do you check a vehicle's suspension during a pre-purchase/lease inspection?
How do you check a vehicle's suspension during a pre-purchase/lease inspection?
By pressing down on each corner of the vehicle.
Buying a vehicle is a huge purchase and you should always bring ______ with you.
Buying a vehicle is a huge purchase and you should always bring ______ with you.
What is one important factor to take into account before agreeing to a financing deal?
What is one important factor to take into account before agreeing to a financing deal?
Why is skipping car insurance for the first year a bad decision? (Select all that apply)
Why is skipping car insurance for the first year a bad decision? (Select all that apply)
Liability insurance pays for the expenses of others in crashes caused by ________ under your policy.
Liability insurance pays for the expenses of others in crashes caused by ________ under your policy.
Medical Payments Coverage helps pay for medical, dental, and funeral expenses for people riding in your covered vehicle, regardless of who is at fault.
Medical Payments Coverage helps pay for medical, dental, and funeral expenses for people riding in your covered vehicle, regardless of who is at fault.
Personal Injury Protection helps pay for eligible expenses such as medical, funeral, disability, and _______.
Personal Injury Protection helps pay for eligible expenses such as medical, funeral, disability, and _______.
If you have coverage under AAA or your car is under warranty, Towing and Labor insurance is necessary.
If you have coverage under AAA or your car is under warranty, Towing and Labor insurance is necessary.
Comprehensive and collision coverage covers _______ of the insured vehicle.
Comprehensive and collision coverage covers _______ of the insured vehicle.
In a collision, you should always check your vehicle for damage before anything else.
In a collision, you should always check your vehicle for damage before anything else.
What is something you should NOT do in the case of a collision?
What is something you should NOT do in the case of a collision?
If your insurance agrees to pay your claim, they are legally required to send a check or draft ______.
If your insurance agrees to pay your claim, they are legally required to send a check or draft ______.
Male drivers under 25 are charged for insurance at a higher rate because they are _______ in a crash.
Male drivers under 25 are charged for insurance at a higher rate because they are _______ in a crash.
What kind of insurance discount might Stella be eligible for?
What kind of insurance discount might Stella be eligible for?
Many insurance companies reward customers for ______ by reducing their premiums.
Many insurance companies reward customers for ______ by reducing their premiums.
You can likely obtain an insurance discount by taking a drivers education course.
You can likely obtain an insurance discount by taking a drivers education course.
What is a safe feature that insurance companies may offer reduced rates for? (Select all that apply)
What is a safe feature that insurance companies may offer reduced rates for? (Select all that apply)
What is a reason your insurance may be revoked? (Select all that apply)
What is a reason your insurance may be revoked? (Select all that apply)
If convicted of a major ______ violation, insurance companies may deem you as too high of a risk for causing a crash.
If convicted of a major ______ violation, insurance companies may deem you as too high of a risk for causing a crash.
______ is the dumping of trash and waste on _______.
______ is the dumping of trash and waste on _______.
What is a consequence for a first offense of throwing trash out your car window?
What is a consequence for a first offense of throwing trash out your car window?
The Adopt-a-Highway program allows citizens to rent part of the highway for private events.
The Adopt-a-Highway program allows citizens to rent part of the highway for private events.
What is not an object you can throw in the trash?
What is not an object you can throw in the trash?
Where should you take dead car batteries?
Where should you take dead car batteries?
What should be recycled and kept out of the water supply? (Select all that apply)
What should be recycled and kept out of the water supply? (Select all that apply)
Why shouldn't discarded tires be stockpiled?
Why shouldn't discarded tires be stockpiled?
Vehicles release ______ that cause air pollution.
Vehicles release ______ that cause air pollution.
What is NOT an action that will minimize air pollution? (Select all that apply)
What is NOT an action that will minimize air pollution? (Select all that apply)
Topping off when filling up your gasoline tank helps lower emissions.
Topping off when filling up your gasoline tank helps lower emissions.
How many people are there in the U.S. on a waiting list for an organ transplant?
How many people are there in the U.S. on a waiting list for an organ transplant?
Before transplanting your organs, all doctors and medical personnel must first ____.
Before transplanting your organs, all doctors and medical personnel must first ____.
What is NOT a medical factor that transplant patients are matched on?
What is NOT a medical factor that transplant patients are matched on?
What percentage of the U.S. population has signed up to be an organ donor?
What percentage of the U.S. population has signed up to be an organ donor?
What does the heart symbol on a driver license signify?
What does the heart symbol on a driver license signify?
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Study Notes
Vehicle Ownership Responsibilities
- Key financial responsibilities include gas, insurance, and registration.
- Skipping car insurance can lead to illegal driving and potential financial liabilities in accidents.
Purchasing and Insuring Vehicles
- New cars typically come with higher insurance premiums due to increased costs and risk.
- An expert should always be consulted before making significant purchasing decisions like buying a vehicle.
- Important to consider total financing cost before agreeing to any deal.
Types of Insurance Coverage
- Liability insurance covers expenses for others involved in crashes caused by the insured.
- Medical Payments Coverage provides for medical, dental, and funeral expenses regardless of fault.
- Personal Injury Protection assists with medical expenses and lost income for insured individuals.
- Comprehensive and collision coverage pays for the actual cash value of the insured vehicle.
- Towing and Labor insurance may not be necessary if coverage under organizations like AAA exists.
Accident Protocols
- Priority in accidents should be assessing injuries of involved individuals, not just vehicle damage.
- Apologizing at the scene of an accident can be viewed as an admission of guilt.
- Insurance companies must send payment for claims within five business days if approval is granted.
Insurance Discounts and Risks
- Male drivers under 25 generally face higher insurance rates due to greater likelihood of accidents.
- Individuals with clean driving records may qualify for discounts.
- Long-term customers often receive reduced premiums as a reward from insurance companies.
- Taking a driver education course may lead to insurance discounts.
- Safety features in vehicles like airbags and antilock brakes may result in reduced insurance rates.
Insurance Violations
- Insurance can be revoked for lying on applications, late payments, or fraudulent claims.
- Major moving violations can make individuals high-risk clients for insurance providers.
Environmental Responsibility
- Littering involves illegal disposal of waste on land and waterways.
- First-time offenders of littering can face fines up to $500 for trashing from vehicles.
- The Adopt-a-Highway program involves groups committing to roadside clean-ups, not renting space.
- Used car batteries should be returned to authorized sellers for proper disposal.
- Oil filters, antifreeze, and used motor oil must be recycled to protect water supplies.
- Discarded tires pose fire hazards and attract pests, hence should not be stockpiled.
Air Pollution and Vehicle Emissions
- Vehicles emit pollutants contributing to air pollution.
- Actions like topping off gasoline tanks can increase emissions; avoiding this is beneficial.
Organ Donation Facts
- Over 120,000 individuals in the U.S. are on the waiting list for organ transplants.
- Medical personnel must exhaust all efforts to save lives before organ transplants can occur.
- Organ transplant patients are not matched based on body weight but other medical factors.
- About 45% of the U.S. population has registered as organ donors.
- The heart symbol on driver's licenses indicates the individual is an organ donor.
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