activities by jolinmilioncherie


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INSURANCE                                                                                                    cove
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TIPS FOR                                                                                obile
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                                                                                 ck in ne of th ages.
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the insurance costs associated with you as a new                         Yo                         dam                                                om ut y
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                                                                     1    back nsible fo                                                 ar is our car,
driver. As previously mentioned, one in six Ohio                                                                                       c
teen drivers is involved in an accident every year,                         re spo                                           , your ge to y                                                  face
                                                                                                                       store            a                                              Your
the highest ratio of all age groups. There are some                                                         ro cery is no dam                                                    der. stic
                                                                                                                                                                            pee pla
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ways, however, that you can help keep these costs                                            ay to rage. Th                                                      on b s for the —even
                                                                                      our w           e                                                   ead- e pay                  s            h
down without sacrificing safety.                                                 On y bility cov                                                  uck h           c             ense        whic
                                                                                      lia                                                ar e str insuran pay exp ident in

1. Make sure to complete an approved driver                                        no                                              you . Your                   ould an acc
                                                                                                                            park          ry             ge w           n
training course as soon as possible. If you’re                                                                    i n the tic surge e covera d been i
                                                                                                           bike plas                      m               ha
under 18, it’s a requirement for a driver's license.                                                ing a quires                   he sa er if you
                                                                                             e rid                          hat t          g
                                                                                        Whil ut and re iscover t r passen                                                                       ail
2. Work with your parents to set up guidelines                                              sc               d             ou                                                             kes f
and terms you both can live with for using the car.
3. Keep those grades up! Many insurance com-
panies give you a discount for maintaining an
                                                                       3                 get ry. You and y
                                                                                          surg —for yo lt.
                                                                                            bu  rial
                                                                                                                                                   e yo r ins
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overall B or better average.                                                                                                       a
                                                                                                                          ar on to a cu
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4. Set a good example for your passengers.                                                                   rk yo                            r.                                               wn.
                                                                                                        u pa car crash o your ca                                                         ks do
Always buckle up, avoid excessive speeding                                                          Yo                                                                              brea rvice
                                                                                                                                                                               car a se
                                                                                                           the             ge t                                         your
                                                                                                      and of dama

and don’t accept dares when you’re behind the                                                                                                                     ntry, the car t
                                                                                                        $100                                                    u
                                                                                                                                                         he co oving
wheel.                                                                                                                                             in t f m
                                                                                                                                             cert            o
                                                                                                                                      a con the cost
5. Studies conducted by the Insurance Institute                                                                                   to
                                                                                                                          ving covers
for Highway Safety have shown that one passen-
                                                       activities                                                   e dri           e
                                                                                                             Whil nsuranc                                                                   ms
ger doubles the risk of a crash among teen driv-                                                                  ur i                                                                raniu
ers, two passengers triple the risk, and three or
more passengers increase the risk by more than
                                                       • Create a scenario—your
                                                       dream car, where you’d live,
                                                       if you’re married or single,
                                                       your age, etc. Choose coverage
                                                                                                              Yo n.

                                                                                                                                       bor a
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                                                                                                                                                                     ks a
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                                                                                                                                                    ental floor c on the irs, it
                                                                                                                                eigh ny of he ur car p pays all flood,
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                                                                                                                                                               knoc ondo. T street

6. Have your parents begin getting quotes at                                                                           Yo  ur n alco                  f yo ot only alism, les,
                                                       limits for your auto insurance.                                          eb             oof o           n             d            i
                                                                                                                         off th t in the r surance heft, van iot, miss

least six weeks before you’ll be added to their
auto insurance policy. Check not only with your
                                                       Then check with a local insur-
                                                                                                                           a den Your in or fire, t osion, r urance le.
                                                       ance agent to determine the cost                                            w.              uf             xpl           ins          tib
parent’s current carrier, but compare quotes,                                                                                belo overs yo quake, e al. This a deduc
                                                       for insurance based on this scenario.                                          c            th              m            ry
service and stability with other agents and                                                                                   also ing, ear h an ani you car
                                                                                                                                       n               t             f
companies. If you have your own car and you do
                                                       Next, ask the agent to determine the                                     light lision wi ensive i
                                                       costs for a different type of car.                                         or  col ess exp
not qualify for a good student or other discounts,                                                                                         en l
compare the cost of a separate auto policy for you.                                                                                 is ev
                                                       • Survey local body shops for the cost to
7. If you attend school more than 100 miles away,      replace specific parts of your car, or check
your parents may be eligible to receive a discount     a parts catalog to find the cost. For ex-
on their insurance costs.                              ample, tail lights, fender, bumper, wind-
8. If you are planning to buy a car, avoid             shield.
high-performance or sporty models. Because
these models are more expensive to repair,             • Obtain a copy of an auto insurance policy
insurance will cost you more. Consider the cost        (from an insurance agent or your parent’s
of insurance before you make that down payment.        policy). Divide into groups to locate the
                                                       coverages discussed in this brochure.
      NOTE: Information about Ohio's                   Next, study the policy to learn about the
     Graduated Licensing law is online at              exclusions, definitions, etc. Discuss simi-                   larities/differences between the policies.
                                                                                                                                172 E. State St., Suite 201
                                                       • What can you as a teen do to reduce your                               Columbus, OH 43215-4321
                                                       insurance premium?                                                       614-228-1593
                                                                                                                                                     (Rev. 10/08)
                                                                                                                                                                                                             OTHER THAN COLLISION
                                                                                          The costs associated with an accident                                                                              (Comprehensive)
                                                                                          could be expensive. Just think about                                                                                                  This pays for damage to your car caused by
                                                                                          it—an accident could include damage                                                                                                   most anything other than a collision. Glass
                                                                                          to cars and other property, as well as                                                                                                breakage, theft, fire, explosion, impact with a
                                                                                          injuries to you, your passengers and                                                                                                  bird or other animal, vandalism, flood
                                                                                                                                                                                                                                and earthquake are some of these hazards.

                                                                                          others. Could you afford to pay for
                                                                                          these damages on your own? Auto-                                                                                                      This coverage is also available with de-
                                                                                          mobile insurance decreases your out-                                                                               ductibles to lower your premium.
                                                                                          of-pocket expenses by helping to pay
                                                                                                                                         COLLISION                                                           TOWING AND LABOR
                                                                                          for losses resulting from an accident.
                                                                                                                                                          Collision coverage pays for damage to your car                       This is an extra coverage that pays up to a
                                                                                          Understanding Automobile Insurance                              from an accident regardless of fault. It usually                     stated amount for towing your car and any
                                                                                          guides you through the types of auto                            includes a deductible, which means that you                          labor required at the scene when your car
                                                                                          insurance coverages available and                               pay the first $100, $200, or so for repairs to                       becomes disabled. Other coverages may also
             tatistics consistently show     than drivers in any other age group.         assists you in making decisions about                           your car and the company pays the rest.                              be available from your insurance company.
             that youths have a greater      On the average, one out of six Ohio          what insurance coverages you’ll need                            Selecting a larger deductible lowers your                            Always ask what coverages are available and
             chance of becoming              teenage drivers is involved in an            to consider. Keep in mind that you             collision premium.                                                  then decide what is best for you.
             involved in an accident         accident each year.                          select your insurance coverage limits.

                                                                                                                                              nsurance not only helps you meet

         If you injure someone in an auto-                                                                                                    expenses in the event of an
                                                                                                                                              accident, it also satisfies the
         mobile accident for which you are
                                                                                                                                              requirements of Ohio’s Financial
         legally to blame, this coverage
                                                                                                                                         Responsibility (FR) Law. The FR Law
         will pay claims for injury or death
                                                                                                                                         applies to:
         against you and the cost of legal
         defense.                                                                                                                        • Owners of registered vehicles
                                                                                                                                           in Ohio
PROPERTY DAMAGE (PD)                                               UNDERINSURED                                                          • Drivers leasing vehicles from
       This is like bodily injury liability coverage ex-           MOTORISTS (UIM)                                                         licensed dealers
       cept that it pays for at-fault damage that you                                   Just as some drivers don’t carry any             • Those applying for operator’s,
       cause to someone else’s vehicle or property,                                     automobile liability insurance, others don’t       commercial, restricted or                                                     SHOWING FR PROOF

       and for which you are legally liable. This does                                  carry enough to pay for damages from their         probationary driver’s licenses.                                   Proof of financial responsibility is required if you are in-
       not cover your car or property.                                                  accidents. UIM coverage pays for death and                                                                           volved in an accident or charged with a serious traffic
                                                                                                                                         REQUIREMENTS                                                        offense that requires a court appearance. You must also
                                                                                        injury expenses to you or occupants of your
                                                                                                                                         There are several ways you can meet the FR law’s require-           show FR proof when stopped for a traffic violation, a
                                                                                        car when the other person’s insurance is
MEDICAL PAYMENTS                                                                                                                         ments, including an auto liability policy, a certificate or bond    vehicle safety check, or receive a request through the
                                                                   inadequate. This coverage fills the gap in protection between                                                                             mail from the BMV's random verification program. If you
        This coverage pays for medical, hospital or                                                                                      filed with the Ohio Bureau of Motor Vehicles (BMV), or a
                                                                   the at-fault driver’s bodily injury liability coverage and your UIM                                                                       are complying with Ohio’s FR law by having auto insur-
        funeral expenses for you and others injured or                                                                                   certificate of self insurance if you have more than 25 ve-
                                                                   coverage.                                                                                                                                 ance, your insurance company or agent will supply you
        killed while riding in your car, regardless of                                                                                   hicles registered in your name.
                                                                                                                                                                                                             with an “Auto Insurance Identification Card,” which you
        fault. It also covers you and family members               UNINSURED MOTORISTS                                                   You are not required by Ohio law to buy auto insurance.             can show law enforcement officers if you are stopped.
        if struck by a car as a pedestrian or if riding in         PROPERTY DAMAGE (UMPD)                                                However, most drivers choose to satisfy the law by purchas-
        another car.                                                                  This is an option to consider when you only        ing an auto liability insurance policy, which covers bodily         This law reinforces the idea that driving is a privilege—not a
UNINSURED MOTORISTS (UM)                                                              purchase liability insurance coverage. It cov-     injury and property damage claims made against them.                right—and that it comes with responsibilities. Automobile
                Unfortunately, not everyone purchases auto in-                        ers damage to your vehicle if involved in an       The penalties for FR law violation depend on the number of          insurance enables you to meet those responsibilities. It will
                surance. That’s why it’s important to consider                        accident with an at-fault uninsured motorist.      offenses you have within a five-year period. Violator penal-        protect you, your wages and property. It will also help you
                uninsured motorists coverage. If you or your                          When you purchase collision coverage (see          ties include a 90-day to two-year license suspension and            fulfill your financial obligations if you cause an accident that
                passengers are injured by someone who does                            collision coverage on next page) for your auto,    reinstatement fees ranging from $125–$550. Also, violators          results in injury to others...and your obligations to society as
                not carry automobile insurance, UM coverage        this coverage is not available or needed.                             must pay for at-fault damages.                                      a whole.
                will pay for injuries up to your policy limits.                                                                          Remember, liability insurance does not cover injuries to you        For a complete description of Ohio’s FR law, ask your in-
This includes medical expenses, loss of wages and related                                                                                or damage to your vehicle.                                          structor for a copy of the OII brochure, “Ohio’s Financial Re-
expenses. UM coverage also applies if you are a victim of a hit-                                                                                                                                             sponsibility Law.”
and-run driver.

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