CAR INSURANCE LESSON

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Suggested Lesson Plan to use with this Worksheet

Review with students standard car insurance coverage, and basic liability insurance (see below). Use the car insurance worksheet to help students identify some of the factors when looking at car insurance coverage.

Standard Coverage - Liability Insurance

The most important auto insurance coverage to understand is standard coverage. Standard coverage includes liability insurance. which is the type of insurance most often required by states. Liability insurance insures the individual for the the cost of any damage or injury that is caused to someone else during an accident. The amount of insurance coverage required by states is often minimal, so it is often recommended to get additional insurance, depending upon your own personal circumstances and budget.

How Liability Insurance is Described

Liability insurance is often described by three numbers, such as 50/100/25. These numbers refer to the amount of liability insurance coverage. 50/100/25 coverage, includes $50,000 of bodily injury to a single individual, $100,000 of bodily injury caused to everyone in an accident, and $25,000 of property damage.

Use the worksheet below to help compare different sample auto insurance monthly rates, and to reinforce insurance terminology.

Discussion questions:

What other factors may we look at when deciding on which auto insurance provider? (Company reputation, etc).

What other types of car insurance coverage are there? (medical payments insurance, underinsured and uninsured motorist insurance, collision insurance, comprehensive auto insurance, auto towing, auto glass, rental insurance, emergency roadside assistance).

Vocabulary: Liability insurance, bodily injury liability, premium.

Car Insurance Lesson Worksheet Instructions

The top section of this worksheet has several different auto insurance plans and each plan's monthly premium, depending on the amount of insurance coverage. The student is to answer the random word problem questions related to the insurance questions. You may choose a standard worksheet or customize the worksheet to your teaching needs.