Drivers Ed Chapter 16

Expenses of a vehicle

1) Purchase Price

2) operating costs

3) other costs

Purchase Price

how much you pay

price + interest

notes has purchase price + interest on loan=price of car

Operating costs

oil change, gas, repairs, general maintenance

other costs

taxes and insurance

What usually gets better gas mileages? Smaller or bigger cars

smaller

What usually has more room for cargo and people? Smaller or bigger cars

bigger

More powerful engines usually get

worse (lower) gas mileage

They are easier to drive. Automatic or manual?

Automatic

They have fewer repairs. Automatic or manual?

Automatic

They are almost as efficient as the other. Automatic or manual?

Automatic

they are cheaper. Automatic or manual?

manual

they get slightly better gas mileage. Automatic or manual?

manual

they are more complicated to drive. Automatic or manual?

manual

here is a better chance for repairs (clutch). Automatic or manual?

manual

you will seldom get a warranty. private owner or car lot?

private owner

The price is usually cheaper. private owner or car lot?

private owner

There may be a warranty. private owner or car lot?

car lot

normally have a better selection. private owner or car lot?

car lot

the price is usually higher. private owner or car lot?

car lot

odometer is what?

the total miles a car has been driven

how many miles per year should a car be driven?

12,000-15,000 miles per year

Before buying a new car or used vehicle always

test drive the car

While test driving the car make sure

the acceleration and breaking are satisfactory

the steering system should be

firm

make sure the ___ and __work

ac and heat

check everything

If you are satisfied after the test drive, you should

take the car to a mechanic to have it checked by a professional

If you want the seller to pay for a repair

it must be written into the sales agreement

Liability Insurance protects

a driver who causes a crash against claims to pay for others’ injury and property damage

young age. causes premiums to become higher or lower?

higher

bad driving record. causes premiums to become higher or lower?

higher

many miles driven per day. causes premiums to become higher or lower?

higher

being male. causes premiums to become higher or lower?

higher

being single (not married). causes premiums to become higher or lower?

higher

having a sports car. causes premiums to become higher or lower?

higher

no traffic convictions. causes premiums to become higher or lower?

lower

turning 25 (notes posted-over). causes premiums to become higher or lower?

lower

being female. causes premiums to become higher or lower?

lower

being married. causes premiums to become higher or lower?

lower

passing driver education. causes premiums to become higher or lower?

lower

have a B avg in school. causes premiums to become higher or lower?

lower

have antitheft devices. causes premiums to become higher or lower?

lower

multicar discount. causes premiums to become higher or lower?

lower

__ is one of several gases formed in exhaust gases

carbon dioxide (CO2)

__ have been used in air conditioner in cars until recently

CFC’s

newer cars have an alternating

cooling system

Solar powered cars run on energy from the __

sun

Vocab after this flashcard

BlueBook Price

average market value for a specific model and age of a used vehicle

Depreciation

decrease in the value of a vehicle overtime

Leasing

alternative to purchasing a vehicle

Warranty

written guarantee that the seller will make certain repairs for a stated period of time

Financial Responsibility Law

law that requires you to prove that you can pay for collision damages you cause that result in death, injury or property damage

teacher: you must pay damage to car

Liability Insurance

provides compensation for damages to a 3rd party for which the insured is legally obligated to pay; covers others when you are at fault

teacher: This covers you, pays for damage to another property, and you have to do this

google:

• covers the costs of injuries or damages to others caused by an accident when the driver is at fault. 

Premium

specified amount of money paid to an insurance company for insurance coverage over a specified period of time

teacher: this is how much you pay for insurance policy

Deductible

amount an insurance policy holder agrees to pay toward vehicle repair or replacement

teacher: you have a wreck that costs money to fix. amount of money you pay at a wreck is known as this

the fixed amount the insured person pays out-of-pocket before their insurance coverage begins to pay for damages.

Assigned Risk Insurance

provides minimum bodily injury and property damage liability coverage to high-risk drivers for a higher premium

teacher: this is for people who are bad drivers. you have to get this if you want to drive a car

Solar Powered Vehicle

vehicle that captures light from the sun and transforms it into electrical power

Mass transportation

involves moving large numbers of people together from place to place

Car pooling

Several individuals sharing transportation to one or more destinations in a car

Bodily-Injury Liability

pays claim against owner if someone is killed or injured and owner is at fault

covers the driver who is at fault against claims

Property-damage liability

pays claim against owner if property of others is damaged and owner is at fault

protects the driver who is at fault against claims for damages to another person’s property, up to specified limits

Uninsured motorist and underinsured motorist

pays for injuries to you and your passengers in case of hit-and-run collision, uninsured or underinsured motorist

Collision

pay cost of repairing or replacing owner’s car when owner is at fault or when owner can not collet from person at fault

Comprensive

pays cost of repairing or replacing owner’s car

Medical-payment

pays medical costs for you and your passengers injured in any collision regardless at fault

Towing

pay cost of towing or minor repair to disabled car