Chapter 19 Licensing and Vehicle Ownership

Transcription

1 Chapter 19 Licensing and Vehicle Ownership 19-1 THE LICENSING PROCESS A. What vehicles does a basic driver s license allow you to operate? B. What government agency is responsible for issuing driver s licenses? C. What documentation must you provide when applying for a driver s license? D. At what age can you obtain a regular driver s license? E. In the space provided, list in chronological order the steps you must follow to be granted a regular driver s license. 189

2 F. What restrictions apply to those practicing driving who do not yet have full driving privileges? G. What is the minimum standard for visual acuity? H. What is the purpose of the written test? I. What will the examiner do during the road test? J. What are license restrictions? Provide three examples. K. In the space provided, provide five reasons why you may be denied driving privileges

3 L. What is the procedure for renewing a driver s license? M. How do you correct or replace your driver s license? N. What special laws apply to motorcycle licensing? O. CHECK IT OUT. Use the Internet to find out what the licensing process is in a neighboring jurisdiction. In the space provided, describe the main differences in age requirements, restrictions on younger or inexperienced drivers, and testing requirements. 191

4 19-2 REGISTERING AND INSURING YOUR VEHICLE A. What is registration? B. What types of vehicles must be registered? C. How often must vehicles be registered? _ D. Which government agency is responsible for registering vehicles? E. What is a title? F. What information is included on the title? G. How do you apply for a title? H. How do you register a vehicle acquired from a private party? 192

5 I. How do you register a vehicle purchased from a dealer? J. What registration procedures must you follow if you move from another jurisdiction? K. How do you renew a registration? L. What minimum liability requirements must you meet if you are involved in a collision? 193

6 M. Complete each of the following sentences by writing the correct word or phrase in the space provided. 1. A is a written contract between you and an insurance company that outlines your coverage and how much the insurance company is liable for if you are involved in a collision. 2. A is a fixed amount of money you must pay before your insurer begins paying out on a claim. 3. Insurance is acquired by paying a, a specified amount of money for a period of time. 4. You should consider purchasing higher of both bodily injury and property damage liability coverage. 5. A is a demand to recover, from an insurer, losses covered by an insurance policy. N. In the space provided, identify what type of insurance coverage would apply in each of the following situations. 1. Your car is stolen: 2. A hit and run driver totals your car: 3. You injure a pedestrian: 4. An uninsured motorist rear-ends your vehicle: 5. You scrape someone else s bumper in a parking lot: 6. A driver who hits you does not have enough insurance to pay for half of the body repair work: 7. Your car stereo is stolen: 8. A friend driving your car with your permission is injured by a driver who runs a red light: 9. Your front-seat passenger is cut by flying glass when a motorcyclist rides into your vehicle: 10. It takes three weeks to repair your vehicle and you need a car to drive to work: 194

7 O. What are some of the factors used to determine insurance rates? P. If you are unable to find an insurer that will sell you a policy, what must you do as a last resort? Q. What are the penalties for failing to meet your jurisdiction s financial responsibility requirements? R. CHECK IT OUT. Use the Internet to find out how many neighboring jurisdictions require some sort of safety inspection as part of the registration process. How many require some form of emissions testing? In the space provided, write down what you discover. 195

8 Use the Internet to look up the most recent information available on insurance premiums. What is the average annual premium in your jurisdiction? Which are the average annual premiums in your neighboring jurisdictions? In the space provided, write down what you discover. Average annual premium where you live: Jurisdiction Average Premium 19-3 YOUR DRIVING RECORD A. What government agency is responsible for monitoring driving records? B. What system is used to keep track of a driver s traffic offenses? C. What possible penalties do you face if you are convicted of a traffic offense? 196

9 D. What can you do to clean up your driving record? E. What can result in the withdrawal or termination of your driving privileges? F. CHECK IT OUT. Find out what steps are required to obtain a copy of your driving record. To whom do you write? How much does it cost? How long does it take? How far back does it go? In the space provided, write down what you discover BUYING AND SELLING A VEHICLE A. For each of the following sentences, circle T if it is true and F if it is false. 1. T F Used cars generally have a more comprehensive warranty than new cars. 2. T F In most cases, used cars are cheaper to insure because the previous owner has absorbed most of the cost of depreciation. 3. T F A new car s list price is the manufacturer s suggested retail price. 4. T F The sticker price is the MSRP plus the invoice cost. 5. T F The rebate is the actual price a dealer pays for a car. 197

10 6. T F The wholesale price is what a dealer is willing to pay for a used car. 7. T F When buying a used car, you should always ask the dealer to give it a thorough diagnostic check. 8. T F The purchase price is the wholesale price plus the destination charge. 9. T F Car loans generally run from five to ten years in duration. 10. T F You should always negotiate a trade-in with a dealer before settling on a purchase price. B. What factors should you consider when researching the market for a new or used car? C. What are the risks of buying a new car? D. What are the risks of buying a used car? E. What are the advantages and disadvantages of leasing versus buying a car? F. What steps must you follow when selling a vehicle to another person? 198

11 G. What is a lemon? H. CHECK IT OUT. Use the Internet to look at a few car-buying Web sites. In the space provided, describe what kind of information you have to input for the site to generate a list of available vehicles that meet your criteria. Look up your family vehicle on a used-car valuation Web site. Input the required information and, in the space provided, indicate the retail value of the vehicle as well as how much a dealer might be willing to offer you for a trade-in. WORD SEARCH: LICENSING AND VEHICLE OWNERSHIP COLLATERAL COMPREHENSIVE DEDUCTIBLE DEPRECIATION EMISSIONS GRADUATED LEASE LEMON LICENSE LIMITS PERMIT PLATES POINTS POLICY PREMIUM PROVISIONAL REBATE REGISTRATION RENEWAL RESTRICTIONS REVOCATION SUSPENSION TITLE VIN WARRANTY 199