Driving in Oregon. Interna'onal Student Orienta'on University of Oregon Fall h"ps://twi"er.com/uoisss. h"ps://facebook.

Size: px
Start display at page:

Download "Driving in Oregon. Interna'onal Student Orienta'on University of Oregon Fall 2014. h"ps://twi"er.com/uoisss. h"ps://facebook."

Transcription

1 Driving in Oregon Interna'onal Student Orienta'on University of Oregon Fall 2014 h"ps://facebook.com/uoisss h"ps://twi"er.com/uoisss

2 Workshop Objec;ves Workshop Purpose Alterna;ve Transporta;on GeDng an Oregon Driver s License Buying and Owning a Car Parking and Gasoline What If I Need Help?

3 Purpose of Workshop Essen;al to know the basic rules for safe driving and car ownership while in Oregon. Driving can be both necessary (to get to school, do your shopping) and a great way to have fun and enjoy Oregon! A li"le knowledge and prepara;on can help to make your ;me as a driver safe. Protect yourself! While accidents or car- related problems don t happen to everyone they could happen to anyone!

4 Alterna;ve Transporta;on Alterna;ves to driving: Lane Transit District bus - free if you carry and show your UO ID, h"p:// Bike - Plenty of bike lockers and bike stands around campus. Go to h"ps://parking.uoregon.edu/content/ bicycling for more informa;on Walk - Great exercise!

5 GETTING A DRIVER S LICENSE

6 Driving in the U.S. In the United States, driving and drivers licenses are controlled by each state Each state has its own licensing system, traffic rules and regula;ons Some;mes these are different even at the city level

7 Oregon State Driver and Motor Vehicles (DMV) Division Responsible for Oregon state driver s licenses Oregon state ID cards Motor vehicle ;tles and registra;on License plates Informa;on about insurance, safety, buying / selling cars in Oregon, etc. h"p://

8 Local DMV Offices Eugene Office DMV 2870 W 10th Pl, Eugene, OR (541) am 5pm, Monday, Tuesday, Thursday, Friday 9am 5pm, Wednesday Springfield Office DMV 204 N 30th St, Springfield, OR (541) am 5pm, Monday, Tuesday, Thursday, Friday 9am 5pm, Wednesday

9 Do I need a driver s license? Q. I have a driver s license from my home country. I don t need a driver s license, right? Not all interna;onal licenses are recognized by Oregon police or authori;es. For this reason we recommend that you get an Oregon state driver s license if you plan to drive while living in Oregon. A valid Oregon license will always be accepted as proof of your eligibility to drive in the state of Oregon.

10 Do I need a driver s license Q. I have a driver s license from another U.S. state. Do I need to get an Oregon license? In general, yes. You should have arrange to change your driver s license to an Oregon license within 30 days of moving to the state, if you plan to con;nue driving. In many cases you will not need to take a driving test if you have a valid license from another state, but you will need to take the knowledge test.

11 Do I need a driver s license? Q. I don t have a driver s license at all, but my friend gave me his car to borrow for the weekend. I want to know if I can drive it. Is it OK? A. Absolutely not! You must have a driver s license (or a learner s permit accompanied by a licensed driver) to drive while in the state of Oregon. Driving without a valid license can expose you to serious harm and liability.

12 Applying for a License 1. Review the DMV web site at h"p:// driverid/index.aspx 2. Study for and pass the Class C Knowledge Test 3. Apply for a Learner s Permit so you can prac;ce your driving 4. Schedule an appointment for a driving test (if necessary) 5. Take and pass the driving test 6. Get your license!

13 Study the Oregon Driver Manual download a free copy from DMV web site Take the prac;ce tests also available on the DMV web site at h"p:// ODOT/DMV/pages/ driverid/testknow.aspx You must pass 28 / 35 ques;ons on the Knowledge Test. Knowledge Test

14 Driving Test Prac;ce before you take a driver s test Go to a Driver s Ed school (search on- line or ask friends / classmates for recommenda;ons) to get familiar with the driver s test Know how to read road and traffic signs and other rules of the road Drive slowly and carefully and obey all instruc;ons during the test!

15 Documents to take to DMV Passport I- 20 or DS I- 94 arrival/departure informa'on (print out from h"ps://i94.cbp.dhs.gov) Social Security card (if you have one) Most F- 1 and J- 1 students are not eligible for Social Security numbers unless they have on- campus jobs Proof of Oregon residen'al address E.g., tui;on or u;lity bill, bank statement, or other document with your name and Oregon address Read the DMV instruc;ons for other iden;ty documents needed for applica;on

16 Interna;onal Students and Problems at the DMV Q. I applied for a driver s license. However, the DMV said they could not process the applica'on because of a problem with my I- 20 or problem with my SEVIS record. They told me to talk to my school about this. What s the issue? Is there a problem with my visa? A. It s usually a problem of applying too early. Your immigra;on / SEVIS records have to show up in the DMV database, but this takes ;me.

17 Tips 1. Wait at least ten days aqer arriving in the United States before even star;ng the DMV applica;on process. 2. Check in with OIA to no;fy us or your arrival h"ps://interna;onal.uoregon.edu/isss/students/ immigra;oncheckin 3. OIA will ac;vate your SEVIS record once we confirm your arrival informa;on and your registra;on as a full- ;me student and/or GTF. 4. Wait at least 2-3 days aqer your SEVIS record is ac;vated to apply for a driver s license.

18 Tips If you try to apply for a license and DMV tells you they cannot verify your informa;on in SAVE, they should provide you with a receipt and case number. Bring receipt to ISSS so we can assist you further.

19 BUYING A CAR

20 Buyer Beware! You can buy a new and/or used car from A car dealership; all new cars are sold through car dealers, but car dealers oqen buy and sell used cars as well Private seller or individual Trade- off Car dealers are usually more expensive, but their cars are more reliable; they will do much of the legal paperwork for you Private sellers may offer be"er bargains, but they may be selling a lemon (a car that doesn t work very well and needs lots of repair)

21 Buyer Beware! In the U.S., it s buyer beware! Buyer is responsible for knowing what he or she is buying Do your research! Used cars may have hidden problems (e.g., water damage, engine, prior accident history) Pre- Cer;fied cars are used cars that have been inspected by car company to make sure they meet quality standards There are many web resources that can help you research your buying op;ons and even informa;on about a specific used car (e.g., Edmunds, Kelly Blue Book, Carfax) Plan how long you will keep your car. What will you do when you no longer need it?

22 Title and Registra;on Car ;tle Cer;ficate that establishes you as the legal owner of the car If you buy a car from a private seller, make sure that you get the ;tle from the car owner when you pay for it (1 for 1 exchange) Car registra;on Owner must register the car with the Oregon DMV so that Oregon has informa;on about the car Keep your ;tle in a safe place (do not keep it in the car) Keep your registra;on in your car

23 Title and Registra;on Title and registra;on are typically handled at the same ;me If you purchase a car from a car dealer, the dealer should assist you with ;tling and registering your car, including gedng license plates (if necessary) If you purchase a (used) car from a private individual, you must arrange to get the ;tle from the previous owner and register the car with the Oregon DMV

24 Titling and Registra;on Titling and registra;on in Oregon are handled by the Department of Motor Vehicles Go to h"p:// vehicle/;tlereg.aspx for more informa;on

25 Auto Insurance GeDng auto insurance is extremely important It s the law! ALSO, it will protect you in case of accident or damage to you, your car, and/or other people and their property Shop around for deals Some big- name insurance companies: State Farm, Farmer s, GEICO, Progressive, many others Consult resources such as AAA Oregon h"p://

26 How Auto Insurance Works 1. Shop for an auto insurance policy from an insurance company. 2. Know what at the policy covers (what kinds of accident or damage it will pay for, and for how much) 3. If you have an accident, contact your insurance company to file a claim on your policy. The insurance company will help you with filing a claim. 4. Pay the deduc;ble, if any (for many policies, about $500), plus expenses not covered by the policy The deduc;ble is the amount you have to pay before the insurance company pays anything 5. The insurance company will pay for other expenses (e.g., medical, car repair) covered by the insurance policy.

27 What Kind of Insurance to Get? There are different kinds of auto insurance; some provide limited coverage while others protect you for a wide range of situa;ons Oregon state law requires car owners to have basic liability insurance, which covers bodily injury and property damage Think about gedng full or comprehensive coverage, which provides much greater levels of protec;ons (oqen for only a minimal addi;onal fee). Oregon s minimum insurance requirements are here: h"p:// insurance.aspx Keep your insurance card in your car if you are in an accident you may be asked to show it.

28 Safe Driving BE SAFE! Don t Drive when sleepy or ;red Drive if you have had any alcohol to drink (even a li"le alcohol can affect your speed and judgment) Use or cellphone to talk or text (Oregon is a hands- free state, which means you can only use a phone with a Bluetooth connec;on) Speed, especially in school or hospital zones Driving viola;ons may lead to your license being suspended (taken away temporarily) or revoked (permanently)!

29 PARKING AND GASOLINE

30 UO Parking Parking around UO is very expensive! Most of the parking spaces around the University of Oregon require a UO parking pass Go to: h"ps://parking.uoregon.edu/

31 Buying Gas In the U.S., gasoline is sold at Gas sta;ons, e.g., Chevron, Shell, 76, Arco Some supermarkets (e.g., Fred Meyer, Costco); usually requires membership card Oregon is one of the few states where you cannot put gas yourself into your car A gas sta;on a"endant will come to your car and put gas in your car In most other states, gas is self- serve

32 WHAT IF I HAVE A PROBLEM?

33 Roadside Assistance Make sure that you have a plan in case of accidents or if your car breaks down Put emergency phone numbers in your cellphone Have your insurance card in your car Have the number of a roadside assistance service, oqen available through: Your car company / dealer Your insurance company, depending on your insurance policy coverage A car clubs or organiza;ons like AAA (American Automobile Associa;on)

34 ASUO Legal Services If you have a problem that involves the police, your insurance company, accidents / collisions, etc., speak with a lawyer or legal professional at the Associated Students of the University of Oregon (ASUO) Legal Services ASUO Legal Services provides legal consulta;on services to UO students, for free (service is included as a part of the UO student incidental fee) NOTE: ASUO Legal Services assists on any legal ma"er of concern to UO students, not just automobile- related! You will be able to get a professional consulta;on with a legal specialist about your case

35 ASUO Legal Services (cont d) Contact EMU Room 334 Call (541) to make an appointment Web site h"p://blogs.uoregon.edu/legalservices/ Tips for interna;onal students h"p://blogs.uoregon.edu/legalservices/especially- for- interna;onal- students/

36 THANK YOU and DRIVE SAFELY! International Student and Scholar Services Office of International Affairs Third Floor, Oregon Hall (541) h"ps://facebook.com/uoisss h"ps://twi"er.com/uoisss

DRIVING RELATED ISSUES. Student Legal Service University of Illinois at Urbana-Champaign

DRIVING RELATED ISSUES. Student Legal Service University of Illinois at Urbana-Champaign DRIVING RELATED ISSUES Student Legal Service University of Illinois at Urbana-Champaign License Issues You are not required to obtain an Illinois Driver s license while you are enrolled as a student in

More information

Coverage for Replacement Transportation

Coverage for Replacement Transportation Claims Coverage for Replacement Transportation We ll explain your coverage clearly Transportation when your vehicle is stolen or damaged Special policies September 2003 Coverage in Autopac covers replacement

More information

Presentation Slides. Lesson Eight. Cars and Loans 04/09

Presentation Slides. Lesson Eight. Cars and Loans 04/09 Presentation Slides $ Lesson Eight Cars and Loans 04/09 the costs of owning and operating a car Ownership (fixed) costs: Purchase price Sales tax Registration fee, title, and license Financing costs Insurance

More information

1-800-927-4357. www.insurance.ca.gov. Automobile. Insurance. California Department of Insurance

1-800-927-4357. www.insurance.ca.gov. Automobile. Insurance. California Department of Insurance 1-800-927-4357 www.insurance.ca.gov Automobile Insurance California Department of Insurance Table of Contents Page 2 Introduction to Auto Insurance 4 Auto Insurance Costs 6 Liability Coverage and California

More information

Driving in Texas. 1. Driver s License 2. Auto Insurance 3. Parking 4. Getting Stopped by the Police

Driving in Texas. 1. Driver s License 2. Auto Insurance 3. Parking 4. Getting Stopped by the Police Driving in Texas 1. Driver s License 2. Auto Insurance 3. Parking 4. Getting Stopped by the Police Created by TC, updated 2008, 2010, 2012, 2013 Driver s License All drivers need a valid license to drive.

More information

Orientation to Dallas and UT Southwestern

Orientation to Dallas and UT Southwestern Orientation to Dallas and UT Southwestern Prepared by the Office of International Affairs University of Texas Southwestern Medical Center 6000 Harry Hines Blvd., NL 3.252 Dallas, TX 75390-9011 Telephone:

More information

AAA Driving Programs Teen Driving Seminar Supporting Materials

AAA Driving Programs Teen Driving Seminar Supporting Materials Getting your learner permit Complete the Application for Driver License (MV-44). Present proof of identity. You must pass a vision test with at least 20/40 vision in at least one eye, with or without corrective

More information

INSURANCE BASICS (DON T RISK IT)

INSURANCE BASICS (DON T RISK IT) INSURANCE BASICS (DON T RISK IT) WHAT IS INSURANCE? Risk management tool that limits financial loss due to illness, injury or damage in exchange for a premium Shared Risk- Insurance company collects premiums

More information

How To Get A Car From A Collision To A Tow Truck

How To Get A Car From A Collision To A Tow Truck After a Car Accident Your (Legal) Survival Guidebook to Handling a Property Damage Claim WITHOUT a Lawyer When your vehicle is damaged and it s someone else s fault, you have certain rights under North

More information

Van Services. Table of Contents

Van Services. Table of Contents Van Services Transportation Services coordinates the rental of University vans to assist the transportation needs of faculty, staff, students and University sanctioned organizations conducting official

More information

a consumers guide to No-Fault Automobile Insurance in Michigan

a consumers guide to No-Fault Automobile Insurance in Michigan a consumers guide to No-Fault Automobile Insurance in Michigan No-Fault Automobile Insurance in Michigan The Michigan no-fault system was adopted in 1973 to increase the level of benefits paid to injured

More information

SPORT CLUB TRAVEL GUIDE

SPORT CLUB TRAVEL GUIDE SPORT CLUB TRAVEL GUIDE This guide was created for sport club members to understand the expectations, rights and responsibilities while minimizing the inherent risks that is associated with traveling.

More information

New Cars Buying from a Licensed Dealer New Vehicle Warranty Florida s New Car Lemon Law

New Cars Buying from a Licensed Dealer New Vehicle Warranty Florida s New Car Lemon Law Buying a car is one of the most important and most expensive decisions most of us have to make. There is certainly no shortage of vehicles available, but buyers must know what to look for, what to ask

More information

Presentation Slides. Lesson Nine. Cars and Loans 04/09

Presentation Slides. Lesson Nine. Cars and Loans 04/09 Presentation Slides $ Lesson Nine Cars and Loans 04/09 costs of owning and operating a motor vehicle ownership (fixed) costs: Depreciation (based on purchase price) Interest on loan (if buying on credit)

More information

Consumer Legal Guide. Your Guide to Automobile Insurance and Accidents

Consumer Legal Guide. Your Guide to Automobile Insurance and Accidents Consumer Legal Guide Your Guide to Automobile Insurance and Accidents WHAT TYPES OF COVERAGES ARE AVAILABLE? Generally, automobile insurance policies provide Bodily Injury and Property Damage Liability

More information

Purchasing a Car. Latino Community Credit Union & Latino Community Development Center

Purchasing a Car. Latino Community Credit Union & Latino Community Development Center Purchasing a Car Latino Community Credit Union & Latino Community Development Center PURCHASING A CAR Latino Community Credit Union & Latino Community Development Center www.latinoccu.org Copyright 2013

More information

Vehicle purchasing guide

Vehicle purchasing guide Vehicle purchasing guide Buy from a licensed Wisconsin dealer and you are protected by Wisconsin's motor vehicle trade practice law. Dealers follow the law when they advertise, display, and sell vehicles.

More information

Two Important Numbers. Emergency: 911. Campus Security: (321) 674-8111

Two Important Numbers. Emergency: 911. Campus Security: (321) 674-8111 Safety Two Important Numbers Emergency: 911 Campus Security: (321) 674-8111 Lock doors at all times General Security Don t prop residence hall entrances Be aware of your surroundings at night Report crime/suspicious

More information

FIS-PUB 0077 (6/13) Number of copies printed: 10,000 / Legal authorization to print: PA 145 of 1979 / Printed on recycled paper

FIS-PUB 0077 (6/13) Number of copies printed: 10,000 / Legal authorization to print: PA 145 of 1979 / Printed on recycled paper DIFS is an equal opportunity employer/program. Auxiliary aids, services and other reasonable accommodations are available upon request to individuals with disabilities. FIS-PUB 0077 (6/13) Number of copies

More information

4. How to Buy a Car. Building a Better Future 151

4. How to Buy a Car. Building a Better Future 151 4. How to Buy a Car Building a Better Future 151 152 Building a Better Future UNIT 4: HOW TO BUY A CAR Lesson 1: How to Choose the Right Car Lesson Objectives: Students will understand what to consider

More information

Greetings and Information

Greetings and Information ISSO CONTACT INFORMATION International Students and Scholars Office (ISSO) 524 Riverside Drive in International House North between 122 nd St. and Tiemann Place http://www.columbia.edu/cu/isso/incoming/isso_location.pdf

More information

Auto Insurance Buyers Guide

Auto Insurance Buyers Guide Auto Insurance Buyers Guide Table of Contents Understand Your Rights as a Consumer...1 Introduction...... 2 Why You Need Auto Insurance...... 3 When to Shop for a New Auto Insurance Policy.. 4 How to Shop

More information

lesson nine cars and loans overheads

lesson nine cars and loans overheads lesson nine cars and loans overheads the cost of owning and operating a motor vehicle ownership (fixed) costs: Depreciation (based on purchase price) Interest on loan (if buying on credit) Insurance Registration

More information

Quick Read Series. Driving & You. Information for people with seizure disorders

Quick Read Series. Driving & You. Information for people with seizure disorders Quick Read Series Driving & You Information for people with seizure disorders 2002, 2009 Epilepsy Foundation of America, Inc. This pamphlet is for general information only. Decisions about driving should

More information

LOUISIANA DEPARTMENT OF INSURANCE. Consumer s Guide to. Auto. Auto Insurance. James J. Donelon, Commissioner of Insurance

LOUISIANA DEPARTMENT OF INSURANCE. Consumer s Guide to. Auto. Auto Insurance. James J. Donelon, Commissioner of Insurance LOUISIANA DEPARTMENT OF INSURANCE Consumer s Guide to Auto Auto Insurance Insurance James J. Donelon, Commissioner of Insurance A message from Commissioner of Insurance Jim Donelon Some of us spend up

More information

Vehicle Registration and Insurance. Vehicle Registration and Insurance

Vehicle Registration and Insurance. Vehicle Registration and Insurance Vehicle 7 Vehicle 165 7 Vehicle This chapter contains information on vehicle ownership and registrations. 166 Before you operate a vehicle on a highway in Nova Scotia, your vehicle must meet a number of

More information

Automotive Contact Centers. Modern Solutions For Modern Dealers. Sales Call Guide. www.myallcall.com 888.608.1681

Automotive Contact Centers. Modern Solutions For Modern Dealers. Sales Call Guide. www.myallcall.com 888.608.1681 Automotive Contact Centers Modern Solutions For Modern Dealers Sales Call Guide www.myallcall.com 888.608.1681 Phone Up Control Process Switchboard Are you shopping for a car or need help with something

More information

Information about your Impounded Vehicle

Information about your Impounded Vehicle 11555 W Civic Center Dr, Bldg B, Marana, AZ 85653 (520) 382-2000 Information about your Impounded Vehicle If your vehicle was impounded by an officer of the Marana Police Department, please review the

More information

Applying for Membership

Applying for Membership Applying for Membership How do I enroll? Go to: www.zipcar.com/vanderbilt Click on I am a Vanderbilt student or I am Vanderbilt faculty or staff and follow the instructions. Vanderbilt Departments should

More information

Auto insurance basics

Auto insurance basics Auto insurance basics By Nicholas Schidowka, President Insurance Cleveland Agency, LLC As an automobile owner and driver, most states require you to purchase car insurance. When buying a car insurance

More information

Please contact your agent with any questions regarding a GFB Brokerage policy.

Please contact your agent with any questions regarding a GFB Brokerage policy. FAQ Policy Related Questions General Insurance Questions What insurance products are available through my agent? Our Agents can sell and service the following insurance products: personal automobile, business

More information

JUST BEGINNING. Your financial life is. I m Buying a Car!

JUST BEGINNING. Your financial life is. I m Buying a Car! Your financial life is JUST BEGINNING. The decisions you make now will put a steering wheel and a credit card in your hands. But they will also affect your financial future. Your choices may even prevent

More information

VEHICLES. Driver s Licenses. License Plates Registration. Automobile Inspections. Handicapped Designation. Red Light Safety Cameras

VEHICLES. Driver s Licenses. License Plates Registration. Automobile Inspections. Handicapped Designation. Red Light Safety Cameras VEHICLES Driver s Licenses License Plates Registration Automobile Inspections Handicapped Designation Red Light Safety Cameras Parking and Traffic Tickets Traffic Accidents Auto Pound and Auctions 167

More information

Allstate Indemnity Company Important Notice

Allstate Indemnity Company Important Notice Allstate Indemnity Company Important Notice Special Notice to Minnesota Auto Insureds The following surcharge information effective as of 8/2/2010 is provided to help you better understand your auto insurance

More information

focused on me Vehicle Financing Guide

focused on me Vehicle Financing Guide focused on me Vehicle Financing Guide Table of Contents Lease or Finance? 1 Cost of Buying a Vehicle 2 What you need to know about Financing 2 Understanding Vehicle Loan Financing Basics 3 Options for

More information

Sell It Yourself Seller s Guide

Sell It Yourself Seller s Guide Pricing Your Car 2 Prepping Your Car for Sale 3 Placing an Effective Ad 4 Finding a Buyer 5 Selling Your Car if You Still Owe Money on It 6 Dealing With Fraudulent Buyers 7 Meeting a Prospective Buyer

More information

Minority Cer+fica+on Program Office of Supplier Diversity

Minority Cer+fica+on Program Office of Supplier Diversity Minority Cer+fica+on Program Office of Supplier Diversity Florida Department Management Services 4050 Esplanade Way, Suite 360 Tallahassee, Florida 32399-0950 Telephone: (850) 487-0915 Fax: (850) 922-6852

More information

INSTRUCTIONS: APPLICATION FOR AUTOMOBILE DEALER'S OR REPAIRER'S LICENSE (K-7)

INSTRUCTIONS: APPLICATION FOR AUTOMOBILE DEALER'S OR REPAIRER'S LICENSE (K-7) PROCEDURE FOR OBTAINING A CONNECTICUT AUTOMOTIVE DEALER'S OR REPAIRER'S LICENSE K-36 REV. 9-2014 STATE OF CONNECTICUT DEPARTMENT OF MOTOR VEHICLES REGULATED BUSINESS LICENSE 60 STATE STREET, WETHERSFIELD,

More information

STUDENT LEGAL SERVICES 368 J. Wayne Reitz Union P.O. Box 118505 Gainesville, FL 32611-8505

STUDENT LEGAL SERVICES 368 J. Wayne Reitz Union P.O. Box 118505 Gainesville, FL 32611-8505 STUDENT LEGAL SERVICES 368 J. Wayne Reitz Union P.O. Box 118505 Gainesville, FL 32611-8505 (352)392-LAWS (5297) www.studentlegalservices.ufl.edu Funded by Student Government since 1977 INFORMATION FOR

More information

BUYING A USED CAR. Copyright Permission Data Wizard/Humboldt 2003, Scott Keele

BUYING A USED CAR. Copyright Permission Data Wizard/Humboldt 2003, Scott Keele BUYING A USED CAR VOCABULARY and DEFINITIONS Anti-lock brakes: Brakes that won t lock up, a computer in the car pumps the brakes on and off so the car will not skid. As Is: Buyer beware, the car is sold

More information

CONTACTS & WORKING HOURS

CONTACTS & WORKING HOURS MOTOR INSURANCE CONTACTS & WORKING HOURS Head office BNH Tower, Seef District P.O. Box 843, Manama, Kingdom of Bahrain Tel.: 17587444, Fax: 17583477 E-mail: motor@bnhgroup.com Website: www.bnidirect.com

More information

IIT Office of General Counsel Education Program. Insurance and Risk Management

IIT Office of General Counsel Education Program. Insurance and Risk Management IIT Office of General Counsel Education Program Insurance and Risk Management Risk Management Mary Anne Smith Risk Management Risk management can be defined as evaluating and managing liability for accidental

More information

VEHICLE USE POLICY Office of Risk & Safety November 2004

VEHICLE USE POLICY Office of Risk & Safety November 2004 VEHICLE USE POLICY Office of Risk & Safety November 2004 TABLE OF CONTENTS POLICY STATEMENT...3 POLICY...4 REASON FOR POLICY...4 ENTITIES AFFECTED BY THIS POLICY...4 WHO SHOULD READ THIS POLICY...4 RELATED

More information

Teacher's Guide. Lesson Eight. Cars and Loans 01/11

Teacher's Guide. Lesson Eight. Cars and Loans 01/11 Teacher's Guide $ Lesson Eight Cars and Loans 01/11 cars and loans websites websites for cars and loans The internet is probably the most extensive and dynamic source of information in our society. The

More information

Welcome to Mobile County How to register your vehicle in Mobile County, Alabama

Welcome to Mobile County How to register your vehicle in Mobile County, Alabama Welcome to Mobile County How to register your vehicle in Mobile County, Alabama The Mobile County License Commissioner s office would like to welcome you to Mobile County. We are proud of our county s

More information

insurance policy I m in the driver s seat!

insurance policy I m in the driver s seat! My first car insurance policy I m in the driver s seat! Car insurance is mandatory! Mandatory Car insurance primarily covers damage you could cause to others. It s called civil liability. Do you own a

More information

I am glad to hear that you applied for an international study period at XIOS University College.

I am glad to hear that you applied for an international study period at XIOS University College. Dear student, I am glad to hear that you applied for an international study period at XIOS University College. StuvoX (Student Services XIOS) assists international students in finding suitable housing

More information

FREQUENTLY ASKED QUESTIONS

FREQUENTLY ASKED QUESTIONS FREQUENTLY ASKED QUESTIONS What is TexasSure? GENERAL INFORMATION TexasSure is a new vehicle insurance verification system that will ultimately allow law enforcement and county tax officials to confirm

More information

Economic Education for Consumers Chapter 14 Study Guide Automobile and Home Insurance: Sharing the Risk

Economic Education for Consumers Chapter 14 Study Guide Automobile and Home Insurance: Sharing the Risk Economic Education for Consumers Chapter 14 Study Guide Automobile and Home Insurance: Sharing the Risk Section 14-1 Insurance Basics Define Risk Management. Define Shared Risk. How do insurance companies

More information

ConsumerMan Video for LifeSmarts 10: BUYING A CAR

ConsumerMan Video for LifeSmarts 10: BUYING A CAR ConsumerMan Video for LifeSmarts 10: BUYING A CAR Lesson Plan Overview Whether new or used, buying a vehicle is probably the largest purchase a teenage will make. While those in the business sell cars

More information

Auto Insurance for New Mexico s Young Drivers

Auto Insurance for New Mexico s Young Drivers Auto Insurance for New Mexico s Young Drivers Prepared for New Mexico s Young Drivers and Their Parents by: One of the major events in many people s lives is earning the privilege of driving a motor vehicle.

More information

Car Costs CAR COSTS. Should I Be Listening? HIGH COSTS OF INSURANCE BEFORE YOU GO CAR SHOPPING WARRANTY INFORMATION INSURANCE TALK KEEPING DOWN THE

Car Costs CAR COSTS. Should I Be Listening? HIGH COSTS OF INSURANCE BEFORE YOU GO CAR SHOPPING WARRANTY INFORMATION INSURANCE TALK KEEPING DOWN THE TEEN GUIDE moneytalks4teens.org Should I Be Listening? Car Costs What kind of car is right for you? A black sports car? A red truck? A silver economy car? Uncle Henry s old minivan? If you are like most

More information

Developed by. Emma Oettinger, Anti-Money Laundering Policy Officer Law Society of England & Wales

Developed by. Emma Oettinger, Anti-Money Laundering Policy Officer Law Society of England & Wales A TEACHING EXERCISE FOR LAW SCHOOLS, POST-GRADUATE PROFESSIONAL EDUCATION PROGRAMS AND CONTINUING PROFESSIONAL DEVELOPMENT FOR LAWYERS ON ANTI-MONEY LAUNDERING OBLIGATIONS, LEGAL ETHICS AND PROFESSIONAL

More information

Back to School Car Safety. Direct Buy Warranty Staff September 19, 2014

Back to School Car Safety. Direct Buy Warranty Staff September 19, 2014 Back to School Car Safety Direct Buy Warranty Staff September 19, 2014 It s back to school season, and that means kids are picking out new clothes, putting on their backpacks, and hitting the road to get

More information

Wesley Theological Seminary Motor Vehicle Operation Policy

Wesley Theological Seminary Motor Vehicle Operation Policy Wesley ological Seminary Motor Vehicle Operation Policy Effective Date: 2/1/2007 Related Materials: Covenant for Drivers PURPOSE: following guidelines for the operation and maintenance of motor vehicles

More information

The Game of Life Purchasing Auto Insurance Updated: 2016-02-10

The Game of Life Purchasing Auto Insurance Updated: 2016-02-10 The Game of Life Purchasing Auto Insurance Updated: 2016-02-10 One of the most common experiences young adults encounter can be one of the most mysterious: purchasing auto insurance. It might not seem

More information

Car Costs ASSESSMENT ONE: Assessment #1

Car Costs ASSESSMENT ONE: Assessment #1 Assessment #1 ASSESSMENT ONE: Knowledge ο T / F You must register your car with the Department of Motor Vehicles (DMV) once every two years. ο T / F Being able to afford a car involves more than being

More information

IDENTITY THEFT & CREDIT PROTECTION

IDENTITY THEFT & CREDIT PROTECTION IDENTITY THEFT & CREDIT PROTECTION David Fox Consumer Protection Specialist North Carolina Department of Justice What is Identity Theft? Identity theft occurs when a thief uses personal information or

More information

FIRST COMMERCIAL INSURANCE COMPANY USED AUTO DEALER PROGRAM UNDERWRITING GUIDELINES

FIRST COMMERCIAL INSURANCE COMPANY USED AUTO DEALER PROGRAM UNDERWRITING GUIDELINES FIRST COMMERCIAL INSURANCE COMPANY USED AUTO DEALER PROGRAM UNDERWRITING GUIDELINES SCOPE OF PROGRAM This program is specifically designed for Non-Franchised Auto Dealers located in the State of Florida.

More information

Q&A Info Sessions on the Affordable Care Act (ACA) & Covered California. SJSU CSU Health Insurance Education Project

Q&A Info Sessions on the Affordable Care Act (ACA) & Covered California. SJSU CSU Health Insurance Education Project Q&A Info Sessions on the Affordable Care Act (ACA) & Covered California SJSU CSU Health Insurance Education Project Info/Ques

More information

INSTRUCTIONS FOR COMPLETING A DEALER LICENSE APPLICATION

INSTRUCTIONS FOR COMPLETING A DEALER LICENSE APPLICATION INSTRUCTIONS FOR COMPLETING A DEALER LICENSE APPLICATION 1) If you are an existing Dealer renewing or making changes, please print dealer letter and number in upper right corner. 2) Indicate reason for

More information

Carefree. Travel ANYWHERE IN THE WORLD

Carefree. Travel ANYWHERE IN THE WORLD Carefree Travel ANYWHERE IN THE WORLD Information contained in this document is of an indicative nature only and does not bind the Société de l assurance automobile du Québec. Legal deposit Bibliothèque

More information

Commercial Auto Claims Services

Commercial Auto Claims Services Commercial Auto Claims Services Getting Businesses Back on the Road Commercial Auto Capabilities Collision and Glass Repair Networks Reporting an Auto Claim www.thehartford.com/losscontrol COMMERCIAL CLAIMS

More information

Coverage for Other People Using Your Car. Today s Lecture State Farm Car Policy. Other People s Use of Your Car - Example

Coverage for Other People Using Your Car. Today s Lecture State Farm Car Policy. Other People s Use of Your Car - Example Today s Lecture State Farm Car Policy Other people using your car Your using other cars Other people using other cars Coverage for Other People Using Your Car Anybody using your car with permission is

More information

NAIC Consumer Shopping Tool for Auto Insurance

NAIC Consumer Shopping Tool for Auto Insurance NAIC Consumer Shopping Tool for Auto Insurance Need Auto Insurance? Here is What You Need to Know. Whether you are buying auto insurance for the first time, or shopping to be sure you are getting the best

More information

Frequently Asked Questions

Frequently Asked Questions Frequently Asked Questions City of Imperial Imperial Police Department 424 South Imperial Avenue Imperial, CA 92251 Phone (760)355-4327 Where is the Police Department located? The Police Department is

More information

Volunteer Driver Application Form

Volunteer Driver Application Form Road to Recovery Volunteer Driver Application Form Please Print Name: Street Address: City State Zip: Other Address Information/ Email: Home Phone: Work Phone: Date of Birth: Occupation: Emergency Contact

More information

UNDERSTANDING FINANCIAL AID

UNDERSTANDING FINANCIAL AID UNDERSTANDING FINANCIAL AID Breaking down the cost of college and maximizing your financial aid. Last Updated: March 2013 Contact: Joseph Aude7e VP of Educa

More information

What is an insurance policy? Financial Risk: Insurance Questions and Answers. What is insurable interest? What is insurable interest?

What is an insurance policy? Financial Risk: Insurance Questions and Answers. What is insurable interest? What is insurable interest? Financial Risk: Insurance Questions and Answers What is an insurance policy? A legally binding contract Insurance company and the policyholder (person insured) In exchange for payment (premium) The insurance

More information

Applying for a Driver s License or State Identification Card

Applying for a Driver s License or State Identification Card Student and Exchange Visitor Program U.S. Immigration and Customs Enforcement 500 12 th Street SW Stop 5600 Washington, DC 20536-5600 500 12 th Street, SW Washington, DC 20536-5600 This fact sheet provides

More information

GUIDELINES for NEW RESIDENTS

GUIDELINES for NEW RESIDENTS GUIDELINES for NEW RESIDENTS Process to obtain a Delaware Driver License Process to Title & Register a Vehicle State of Delaware Department of Transportation DIVISION OF MOTOR VEHICLES P.O. BOX 698 Dover,

More information

ASUO Spouse/Domestic Partner/Children Certification Form

ASUO Spouse/Domestic Partner/Children Certification Form ASUO Spouse/Domestic Partner/Children Certification Form What is a Spousal Equivalency Card (C-Card)? The C-Card is a program offered by ASUO in collaboration with other campus departments that allows

More information

How to Use Your International Student Insurance Plan For the Students of. Presented by

How to Use Your International Student Insurance Plan For the Students of. Presented by How to Use Your International Student Insurance Plan For the Students of Presented by YOUR INSURANCE ID CARD Your ID cards will be sent to you after the start of Fall term (or Spring if you are newly enrolled).

More information

USED CAR BUYING GUIDE

USED CAR BUYING GUIDE USED CAR BUYING GUIDE The information contained in this Guide is intended to be generic and is not intended to be a comprehensive guide to the laws and requirements of any particular state, country or

More information

8 Questions to Ask Before Buying a Used Car

8 Questions to Ask Before Buying a Used Car 8 Questions to Ask Before Buying a Used Car When it comes to important and expensive purchases, buying a car is usually second only to buying a house. And unlike houses, cars are a depreciating asset.

More information

Your Registration Certificate ( V5C) and you

Your Registration Certificate ( V5C) and you INS160 Your Registration Certificate ( V5C) and you For more information go to www.direct.gov.uk/vehiclereg The V5C has changed For more information go to www.direct.gov.uk/buyerbeware Old New Both certificates

More information

Bicycle riding is a great way to get into shape

Bicycle riding is a great way to get into shape Bicycle riding is a great way to get into shape and have fun. To remain safe on Illinois roads, it is important to follow the same traffic safety laws that govern vehicle drivers. No amount of bicycle

More information

6 Ways To Save Money On Auto Insurance In Ontario

6 Ways To Save Money On Auto Insurance In Ontario 6 Ways To Save Money On Auto Insurance In Ontario 6 Ways to Save Money on Auto Insurance in Ontario Contents Contents 01 Introduction 03 Auto Insurance 101 Mandatory Coverages 05 Auto Insurance 101 Optional

More information

Buying and Selling a Used Vehicle in Ontario

Buying and Selling a Used Vehicle in Ontario Buying and Selling a Used Vehicle in Ontario All information is available and taken from http://www.mto.gov.on.ca/english/dandv/vehicle/used.shtml By Ontario law, private sellers of most motor vehicles,

More information

ATTENTION! READ THIS FIRST!

ATTENTION! READ THIS FIRST! Revised 12/2015 ATTENTION! READ THIS FIRST! ORIGINAL VEHICLE DEALER LICENSE APPLICATION INSTRUCTION BOOKLET Michigan Department of State Driver Programs Division Business Licensing Section Lansing, MI

More information

Medicare Eligibility and Enrollment Requirements for Retirees

Medicare Eligibility and Enrollment Requirements for Retirees Office of Human Resources and Equal Opportunity Prepara9on for Re9rement This is a summary presenta9on only. In the event of discrepancies, health plan Evidence of Coverage documents and /or Insurance

More information

Region Legal Service Office Hawaii Legal Assistance Department 850 Willamette Street Pearl Harbor, HI 96860

Region Legal Service Office Hawaii Legal Assistance Department 850 Willamette Street Pearl Harbor, HI 96860 Region Legal Service Office Hawaii Legal Assistance Department 850 Willamette Street Pearl Harbor, HI 96860 Preventative Law Series The Hawaii Motor Vehicle Lemon Law: A Guide for Consumers Q: What is

More information

TD Auto Club Membership Handbook

TD Auto Club Membership Handbook TD Canada Trust TD Auto Club Membership Handbook Standard TD Auto Club Ensuring you and your family peace of mind along the way 8762 GE AC BR E 1211 533952 (1013) Banking can be this comfortable Inside

More information

Fashion Institute of Technology OPERATIONAL SERVICES

Fashion Institute of Technology OPERATIONAL SERVICES Fashion Institute of Technology OPERATIONAL SERVICES Motor Vehicle Use Manual 2010 Table of Contents 1. Introduction............................................. 1 1.1 Purpose and Application of Manual..........................

More information

Wayne Howell, PLLC A GUIDE TO ARIZONA AUTOMOBILE INSURANCE COVERAGE

Wayne Howell, PLLC A GUIDE TO ARIZONA AUTOMOBILE INSURANCE COVERAGE Wayne Howell, PLLC If A GUIDE TO ARIZONA AUTOMOBILE INSURANCE COVERAGE you think you have "Full Coverage", you may be at risk without knowing it. "Full Coverage" means different things to different people;

More information

AUTO RISK MANAGEMENT KIT

AUTO RISK MANAGEMENT KIT AUTO RISK MANAGEMENT KIT CALSURANCE PIZZA INSURANCE PROGRAM PO Box 7048 ORANGE CA 92863-7048 (800) 411-4144 1 AUTO RISK MANAGEMENT KIT CONTENTS SUMMARY OF COVERAGES DELIVERY DRIVER APPROVAL GUIDELINES

More information

NOTICE TO PROSPECTIVE BORROWER

NOTICE TO PROSPECTIVE BORROWER NOTICE TO PROSPECTIVE BORROWER We are pleased that you are able to use The Sandie Hea Community Moving Truck for your moving needs. It is available for a 24-hour period which can be extended with permission.

More information

ANYWHERE IN THE WORLD

ANYWHERE IN THE WORLD Notice to readers regarding accessibility: This document meets the requirements of the Québec government standard for Web accessibility SGQRI 008-02 and is accessible to people with disabilities. All notices

More information

Handbook for PUK International Students

Handbook for PUK International Students Handbook for PUK International Students As of September, 2014 1. Upon Enrollment 2. Tuition and Scholarships 3. Student Life 4. Health and Welfare 5. Procedure on Immigration Control Law 6. Before Returning

More information

Take the Wheel. Take the Wheel: Get the Best Car Deal

Take the Wheel. Take the Wheel: Get the Best Car Deal Take the Wheel: Get the Best Car Deal Seminar objectives Determine how much car you can afford Use a car inspection and test-drive checklist Negotiate the best car price Decipher financing options and

More information

Cars and Insurance - Getting a Set of Wheels

Cars and Insurance - Getting a Set of Wheels Name Period All Classes Cars and Insurance - Getting a Set of Wheels Overview Few of us live, work, and shop within a small geographic area. Most of us need transportation to go to work or school or for

More information

Frequently Asked Questions

Frequently Asked Questions A consumer information brochure published by the 21 South Fruit Street, Suite 14 Concord, NH 03301 phone: (800) 852-3416 fax: (603) 271-1406 Autos TDD Access: Relay NH 1-800-735-2964 My car has been totaled.

More information

Getting a Driver s License in Massachusetts

Getting a Driver s License in Massachusetts Getting a Driver s License in Massachusetts Who needs to apply for a driver s license? * If you live in Massachusetts and you want to drive, you must apply for a driver s license in Massachusetts. Warning:

More information

Home and Automobile Insurance Guide

Home and Automobile Insurance Guide Home and Automobile Insurance Guide General Information Finding the best insurance policies to suit your needs can be a complex and confusing business. To help you, we have addressed questions and defined

More information

Benefits Handbook Date November 1, 2011. Group Umbrella Liability Insurance Plan Marsh & McLennan Companies

Benefits Handbook Date November 1, 2011. Group Umbrella Liability Insurance Plan Marsh & McLennan Companies Date November 1, 2011 Group Umbrella Liability Insurance Plan Marsh & McLennan Companies Group Umbrella Liability Insurance Plan This optional insurance provides additional liability coverage above the

More information

Rental Vehicle Insurance

Rental Vehicle Insurance Rental Vehicle Insurance Save on rentals in Manitoba, Canada and the United States Get the most protection Control your risks When you rent or borrow a vehicle, think about the insurance protection you

More information

ON THE ROAD. License. Automobile Insurance

ON THE ROAD. License. Automobile Insurance ON THE ROAD License The minimum age, to obtain a driver s license in New Hampshire, is 18 years old. Individuals between the ages of 16 and 18 may obtain a drivers license, with permission from their parent

More information

Buying a used car? How to get the best deal

Buying a used car? How to get the best deal Buying a used car? How to get the best deal Buying a used car can be tricky but you can help yourself We explain the difference between buying from a dealer, a private seller or from an auction. Our checklist

More information