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ECO 569-01: Insurance Basics for Teachers

Assignment Two

Due Date: April 23, 2012

Main Topic: Automobile Insurance

Please complete the following reading and activities. For each website visited, please provided a short abstract that includes a description of the website and that make comments on the quality and usefulness of its content.

  1. Read the left-hand side of this page Insurance Law an Overview.

  2. http://www.ohioinsurance.org/factbook/2006/chapter1/chapter1_a.asp
    Click on and read the section entitled "Auto Insurance: An Overview" and thoughtfully answer the following questions/activities:
    1. What does an insurance policy constitute?
    2. What do supplementary payments provide the insured?
    3. What are exclusions?
    4. Provide definitions to the following terms:
      1. Bodily Injury Liability
      2. Property Damage Liability
      3. Medical Payments
      4. Uninsured Motorists (UM)
      5. Underinsured Motorists (UIM)
      6. Uninsured Motorists Property Damage (UMPD)
      7. Collision
      8. Other than Collision

  3. Teen's Guide Driver License
    Read, "A Teen's Guide to Getting A Driver License" and answer the following questions:
    1. What is the minimum age that a driver must be to obtain a temporary permit in Ohio?
    2. Who must accompany a driver age 16 possessing a "temporary permit"?
    3. What is the total occupancy of a vehicle driven by an individual with a temporary permit or license under the age of 18?

  4. Ohio's OVI Laws
    Read about Ohio�s OVI laws and answer the following questions:
    1. What is the legal driving limit of Blood Alcohol Concentration (BAC)?
    2. For the first drunk driving offense, what is the administrative license suspension due to sobriety test refusal?
    3. What are the potential penalties for the second offense?
    4. What are the potential penalties for the third offense?
    5. What are the potential penalties for the fourth offense?

  5. http://www.insure.com/articles/carinsurance/drunk-driving-penalties.html
    Read the article "How a DUI conviction affects your insurance." Using the information in the article, write short dialogue that could be used with high school kids discouraging drinking and driving.
  6. Include your dialogue with your assignment and ALSO post it on the discussion posting board. (from the home screen go to "communication tools" and then "discussion") Comment on at least one other person's posting.

  7. http://www.bmv.ohio.gov/
    Explore the possibilities of this website from the State of Ohio Bureau of Motor Vehicles. You can get valuable information about your driving record as well as at important NEXT OF KIN information to your driver license. On September 8, 2008, Ohio licensed drivers can now attach information for one or two emergency "contacts" to your driver's license record with the Ohio Bureau of Motor Vehicles.

What to Submit for Assignment 2:

  1. Write an abstract and critique for each of the NEW websites visited; your response should be thorough yet concise. (Do not provide an abstract and critique for site that you wrote abstracts and critiques for in previous lessons. The only exception is the Ohio Insurance Institute material; write a critique for the section or PDF that you are being directed to - do not write a single abstract and critique for OII in a single assignment. Use this guideline throughout the entire course) TIP: Make a list of websites as you write abstracts and critiques for easy reference.
  2. Responses to items 2, 3, 4, 5.
  3. Read and evaluate each of the lesson plans in item 7. Choose one and and write an evaluation of the lesson plan. Your evaluation should be substantive (in other words avoid statements like "it was great") and should focus on content and it's applicability, as well as pedagogy (and whether it was fun or not). This response will be evaluated of quality not quantity.

Please contact the instructor if you any questions about the requirements for assignment 2.

Send your assignment using the "drop box" feature inside of Pilot (see syllabus for instructions)