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The Insurance Educator, 1999-2000.Insurance Education Foundation, Indianapolis, IN.2000-00-0026p.; Published twice per year. Only one issue was publishedin 1999.Insurance Education Foundation, 3601 Vincennes Road, P.O.Box 68700, Indianapolis, IN 46268, Tel: 317-876-6046 or800-433-4811, Web site: http://www.ins-ed-fdn.org.Collected Works Serials (022) Guides ClassroomTeacher (052) -- Opinion Papers (120)Insurance Educator; v8-9 1999-2000MF01/PCO2 Plus Postage.Accident Prevention; *Classroom Techniques; CrimePrevention; High Schools; *Instructional Materials;*Insurance; *Learning Activities; Risk Management; *Safety;Safety Education; *Teaching Methods; Traffic Accidents;Traffic Safety

This packet contains three issues of "The InsuranceEducator," a newsletter published for high school educators as a means toimprove the understanding of insurance and its role in society through theeducation of teachers and students. Some representative articles include thefollowing: "Protecting Your Bike from Theft"; "Tornadoes: Be Prepared";"Driving Etiquette: Tips for Safer Drivers"; "Welcome Aboard: Florida StateUniversity"; "Job News"; "Homeowners Crossword Puzzle"; "What to Do after anAccident"; "Saving Money on Your Automobile Insurance"; "Nine Easy Ways toFrustrate Car Thieves"; "Risk Challenge Summary"; "Passengers Mean Danger forTeen Drivers"; "Volunteers Help Protect Children from Natural Disasters"; and"How to Choose a Safe Car for your Teen." The newsletters include ideas forteachers and classroom activities for teaching about insurance and safety.(KC)

Reproductions supplied by EDRS are the best that can be madefrom the original document.

The Insurance Educator

Volume VIII, Number 1 (Winter 1999)Volume IX, Number 1 (Winter /Spring 2000)Volume IX, Number 2 (Summer/Fall 2000)

PERMISSION TO REPRODUCE ANDDISSEMINATE THIS MATERIAL HAS

BEEN GRANTED BY

TO THE EDUCATIONALRESOURCES

INFORMATION CENTER (ERIC)1

U.S. DEPARTMENT OF EDUCATIONOffice of Educational Researchand ImprovementED CATIONAL

RESOURCES INFORMATIONCENTER (ERIC)

This document has been reproduced asreceived from the person or organizationoriginating it.

Minor changes have been made toimprove reproduction quality.

Points of view or opinions stated in thisdocument do not necessarilyrepresentofficial OERI position or policy.

'TheEnzurf

The Insurance Educator is published twice a year at the beginning of each school semester to provide information and assistance to secondaryeducators who are teaching insurance in any class. Please share it with colleagues.

DD

icycle theft is big business.Approximately 500,000 bikesare stolen each year at an esti-

mated total value of $126 million!Remember: It only takes seven sec-

L ILY:12 TIOM

Protecting Your Bike from Theft ... pg 1Tornadoes Be Prepared pg 2

0 0 0

aums e7dAYTOMOK,Ii. OXSCRANMDriving Etiquette Tips forSafer Drivers pg 3Future Car pg 3

NaCUS

Making Summer Plans? pg 4A Reminder of the Risk ChallengeDeadline pg 4Welcome Aboard Florida StateUniversity pg 5

rin'ljniaM CAREERSJob News pg 5

1Y.OZCaXS 77.,QCHLEI

Homeowners Crossword Puzzle

Appeal for Teaching Materials

Insurance Game for the Classroom

pg 6

pg 7

pg 7Answers to Homeowners CrosswordPuzzle pg 7

iTS2OSY 2M1.0LICMIEF Web Site pg 8Consumer Alert for Teenagers pg 8

octng year Mia ffrom(Printed with permission from the Insurance Information Institute)

onds to disable a U-lock, cable orchain.

While anti-theft devices are not 100percent effective, we offer the follow-ing tips that may help lower yourrisk:

O Lock your bike. Unlocked bicy-cles are an open invitation for thieves.Whenever you are not riding yourbike, it should be locked, even whenit's in your garage.

O Don't skimp when buying a lock.Most cable locks are easy to cut, sopurchase the best lock you can afford.

O Be sure to lock your bike correct-ly. Make sure that you lock bothwheels and the frame to a post, pole,or bike rack.

O Register your bike with localpolice. The police are able to recoverbikes quickly if they are registered inadvance and have the appropriateinformation like make, model, colorand serial number. You can also reg-ister your bike with the National BikeRegistry, a national database whichhelps recover stolen bikes.

Bicycles are covered under yourhomeowners or renters insurance.However, there is usuallya $250 $500deductible. Yourhomeowners orrenters policyalso provides liabili-ty coverage in the

event of a collision that results ininjury to another party. There are nodeductibles for liability claims. Onceyou purchase a bicycle, keep thereceipt for it and any accessories youadd. Also, take photographs of thebike. Store these documents off thepremises and alert your insuranceprofessional to your new purchase.

If you own an expensive bike, yourinsurance representative might sug-gest that you consider purchasing afloater. This will provide more cover-age than a homeowners or renterspolicy. For instance, in the event ofan accident, a floater covers the costof bike repairs. A floater typicallycosts approximately $9 for every $100of the bike's value, and there are nodeductibles.

3

Teachers: A s spring approaches,so does the tornado season. Helpyour students get prepared.

ach year about 1,000 tornadoeswith wind speeds as high as300 mph touch down in the

U.S. In 1996, the states reporting thehighest number of tornadoes wereTexas (135), Colorado (98), Kansas(68) and Florida (66).

Protect yourself: A tornado watchmeans that weather conditions arefavorable for a tornado and a warn-

ing means one hasbeen spotted in

your area. Learnto recognize

the warning signalsused in your commu-

nity. If a sirensounds, that

means stayinside and

take cover.Do not try to

outrun a tor-nado. Instead,

stay calmand seekshelter. Go

to the central part ofthe building youare in, and stay

away from

1..kr-Rie=

.1

windows.Basements are the best havens. Ifthis is not an option, take cover inthe bathroom, closet or interior hall-way or under a heavy piece of furni-ture. If you are in your car, abandonyour vehicle and seek shelter in thenearest ditch if no other facility isavailable. People living inmobile homesshould

2

ansa (am 'a.D.i re a

(Printed with permission from the Insiiralice

vacate the premises and seek shelterelsewhere.

Protect your property: If a tornadowatch has been issued, move carsinside a garage or carport to avoiddamage from hail that often accom-panies tornadoes. Keep your carkeys and house keys with you. Iftime permits, move lawn furnitureand yard equipment such as lawn-mowers inside. Otherwise, theycould become damaged or act asdangerous projectiles causing seri-ous injury or damage. You shouldhave an inventory of your posses-sions to help facilitate the claim fil-ing process, should you encounter aloss. This inventory list should bekept off the premises.

PrOteet y0111- Prod eta

orma ion Institute.)

all damaged or destroyed personalproperty. Notify your insuranceagent or company representative assoon as possible. If you have vacat-ed the premises, make sure yourrepresentative knows where to con-tact you. Don't throw away dam-aged property until you have metwith an insurance adjuster. Checkutility lines and appliances for dam-age. If you smell gas, open the win-dows and turn off the main valve.If electric wires are shorting out,turn off the power. Don't be rushed

into signing repair contracts.Deal with rep-

r' utable contractorswho have experi-ence in repair work.Be sure of paymentterms and consult

your agent or adjuster before yousign any contracts.

_ .

After the storm: Keep calm.Stay in your shelter until after thestorm is over. Check people aroundyou for injuries. Begin firstaid or seek help if necessary.When you go outside,watch for downedpower lines. Make tempo-rary repairs to prevent furtherloss from rain, wind or looting.These costs are reimbursableunder most policies so keepthe receipts. Make a-detailed list of

Cd

4

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Written by Gary Michael Smith. Much of the text in this article is taken from his latest book, The Complete Guide to DrivingEtiquette, available from Chatgris Press, PO Box 15092, New Orleans, LA 70175-5092.

Teachers may want to use this articleto demonstrate how the followingtips can increase a safer drivingrecord for younger drivers,emphasizing the fact that safedrivers have lower insurance rates.

s detailed in the September1998 issue of The InsuranceEducator, the seven-year study

sponsored by the AAA Foundationfor Traffic Safety found a staggeringnumber of deaths as a result of roadrage. Subsequent research shows thatin 1997, up to two-thirds of all fatali-ties resulted from aggressive driving.But road rage is not the only hazardon the road.

Driving environments also accountfor a large number of crashes. Thepresence of animals on roadways pre-sents significant hazard. TheUniversity of Alabama CrashAnalysis Reporting Environment lists61 percent of passenger vehicles asbeing involved in animal-relatedcrashes.

Sleepiness can impair the judgmentand ability of any driver. Staying uplate to watch that movie you've beenwaiting for or cramming for thatimportant test can cost you dearly.National Highway Traffic SafetyAdministration statistics reveal that3.2 percent of all highway fatalities in1997 were reported as sleep related,with more being possible since theactual cause of many accidents is notdetermined.

Common sense and respect forother drivers is the key to safedriving. The following rules shouldapply to all drivers:

Turn signals: It is particularly

important when driving to alwaysuse turn signals, even if it is obviouswhat you are doing. Although youmay be in a left turn lane, using yourleft turn signal is simply a good habitto practice to indicate that indeed youare going to turn left.

STOP signs: Perhaps one of themost important traffic signs, and mostfrequently abused, is the STOP sign.The rules are fairly standard: come toa complete stop, then proceed if it isclear. In addition to two-, three-, andfour- way STOP signs, other roadmarkings such as white stop lines andSTOP HERE ON RED signs may beincluded as additional safety precau-tions and as guidance for vehicleswith special maneuvering needs.

Changing lanes: Always indicateyour intentions when moving fromlane to lane by using your turn sig-nals. But also ensure you haveenough room to move into a lane; donot force your way in. Be sure to lookbehind you to see if it is clear tochange lanes. Try to use your mirrorsor peripheral vision as much as possi-ble. The longer your attention isdirected from the road in front of you,the greater your chances of beinginvolved in an accident.

Emergency vehicles: ALWAYS getout of the way of emergency vehicles!Even if it is in a different lane or com-ing from the opposite direction, slowdown and move aside. Also, beaware of other vehicles trying to getout of the way. Avoid jumping backinto your lane and passing otherswho have pulled over to let anemergency vehicle pass. It is onlycourteous to let others get back intothe lane in the same order you allwere in before pulling over.

5

Always be courteous and tolerantwhile driving! Younger people maymake mistakes from lack of experi-ence, and older people may errbecause of forgetfulness. Sometimesa little patience is all that is requiredto avoid an accident!:

(Printed with permission from the Fall

1998 issue of Under 21, published by

USAA.)

In the next ten years, the insideof your car may be more computerand less metal and mechanics.Business Week reports that automanufacturers may eventuallyoffer annual software upgrades tothose who don't want to buy a newcar. Other new technologies thatare already becoming availableinclude adaptive cruise control,which uses radar to measure thespeed of the vehicle ahead of you,automatically slowing your car, ifnecessary, until you have theopportunity to pass. With adap-tive, or intelligent cruise control,you can safely make your waythrough highway traffic withoutever using the brake or accelerator.A device that automatically dials911 after a crash is currently undertesting by the National HighwayTraffic Safety Administration. Thesystem, which uses cellular tele-phone technology, may be widelyavailable within five years. Rear-view mirrors might also go the wayof the dinosaur, replaced by ascreen that displays views collectedby chips placed around the car.

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QUESUOON: What do these citieshave in common?

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TreEzhessee, Fkorude

ANSCTER: They are all cities inwhich you could spend two weeksthis summer earning three free grad-uate credits. Yes, free!

If you teach insurance as a unit inany of your courses, you may wantto take a look at the foundation'sInsurance Education Institutes forHigh School Teachers. The InsuranceEducation Foundation provides fullscholarships for every teacher who isaccepted into the summer course.This includes tuition for three gradu-ate hours, room and board, textbookand all classroom materials. You pro-

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Drake University, Des Moines, Iowa

23

The College of Insurance, New York City

lune 13 - 25

California State, Sacramento(on the campus of San Francisco State University)

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The University of Alabama, Tuscaloosa

110yI.0 - 23

Illinois State University, Normal

11 -.23

Virginia Commonwealth University,

Richmond

Florida State University, Tallahassee(with a Saturday class)

vide transportation to the universityof your choice and weekend meals.

Applications are being acceptednow at the school of your choice.The deadline for applications is April1, but you are encouraged to applysooner rather than later. For moreinformation and an application form,return the post card in this newsletteror call 1-800-IEF-4811.

Betty Wentland, Home Economicsteacher from Goodman, Wisconsinand participant at the 1998 IllinoisState University institute has this tosay about her experience: "Thecourse is an eye-opener. It is an edu-cational embarrassment to real-ize how little we, as competenteducators, really knew aboutinsurance. I was highlyenlightened by the scope ofthe course, the professorswho taught the course, andby the contents of the cur-riculum. I came away fromthat class happily confidentI had a whole new subjectto teach. The materials wereceived and the lessonplans we had help devel-oped were tops, and cer-tainly would not be avail-able to many school dis-tricts if we had to payfor them... I have taken40 courses during sum-mers over the last 28years and thisInsurance EducationInstitute by far topsany others I have evertaken. It was definite-ly the peak of mypost-graduatework."

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reminder that The RiskChallenge deadline for sub-mitting student entries is

March 15, 1999. Don't miss thisopportunity to have your studentsparticipate in this fun and educa-tional project. Materials weremailed in August to eligible teach-ers (anyone who has completed anIEF institute). If you need anotherpacket or have questions, pleasecall 1-800-IEF-4811.

Design a BrodttartCreate a Poster!Alma Video!

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Thr RISICCIollengais a cOatalt that

Invites individualor group prreirct,

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will be excepted.Ask your tmdter for Contest Guidetin

and Entry Forms.

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Iff) ropical breezes, warm summernights, chirping cicadas,Spanish moss swaying from old

oaks, deep southern gentility, aproud 157-year-old capital city.Sound inviting? And the InsuranceEducation Foundation picks up thetab. More inviting? Now throw inan intensive study of insurance fortwo weeks. Nirvana!

Florida State University will be thesite of the newest summer programoffered by IEF to high school teach-ers. The Department of RiskManagement and Insurance atFlorida State is one of the largest inthe country and has, for many years,enjoyed a strong reputation in thefield of insurance education.

Applications are being acceptednow for all seven of IEF's institutes.For more information about the

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course at Florida State, contact KarenBickley, Director of Credit Programsat FSU's Center for Professional

Development by phone (850) 644-1882, fax (850) 644-2589, or emailkbickley@cpd.fsu.edu.

jiob prospects for new collegegraduates were expected to growby more than 27 percent this

year, according to an annual recruit-ing trends survey conducted byMichigan State University. In addi-tion, the number of new graduateswill decline for the first time inmany years by 1.2 percent atrend that is expected to continuefor several years. This means that

JJO Mgm(Printed with permission from the Fall 1998 issue of Under 21, published by USAA.)

recruiters should have more jobs tooffer to a smaller pool of graduates

and that adds up to the strongestjob market in years. In fact, nearly97 percent of the employersresponding to the survey predicteda good to excellent job market.

New graduates with computerskills, regardless of their major, con-tinue to be in demand. But demandis highest for graduates with

degrees in computer and informa-tion sciences, engineering, businessmanagement and the health field.Employers also indicated an interestin applicants with "real world"work, international experience, andforeign language skills. Accordingto the survey, the Southwest shouldoffer the best job prospects for newgraduates this year.

irMLo=LL,o0

"In any moment of decision the best thing youcan do is the right thing, the next best thing isthe wrong thing, and the worst thing you cando is nothing."

Theodore Roosevelt

"It gives me a deep, comforting sense that things seenare temporal and things unseen are eternal."

Helen Keller

"I'm a great believer in luck, and I find that the harder Iwork the more I have of it. "Thomas Jefferson

§ 11§mk§T

Nigrawmmm Commend crl(The following activity was created by Brenda Eberley from Dirksen Center High School in East Peoria, Illinois.)

Across:6. Decrease in the value of property

as it becomes older and wears out.7. Insurance that protects the

insured from claims coming frominjury to other people caused by you,your family, or pets.

10. List of goods showing the originalcost of each item and date purchased.

13. Insured must lose financially ifa loss occurs.

14. Cause of the loss.16. Person who works for the

insurance company.17. Request that is made when an

insured incurs a loss.18. Amount paid for insurance cov-

erage.

6

19. This is used when the insuredand the insurer agree a loss is cov-ered but the amount is in dispute.

20. Uncertainty concerning theoccurrence of a loss.

DOM:1. Insurance that combines two or

more separate coverages into one policy.2. Amounts owed to others.3. A policy that covers a direct

physical loss to property from fire.4. A package type insurance

designed to fit the needs of mosthomeowners wishing to insure theirhomes and property.

5. The person for whom the risk is

2

6

assumed.8. Written provision that adds to,

deletes, or modifies the provisions inthe original contract.

9. An owner-occupied dwelling,that does not contain more than twofamilies.

11. Amount necessary to repair orreplace the dwelling with material oflike kind and quality at currentprices.

12. Specified amount of money,subtracted from the total loss pay-ment that would otherwise bepayable.

15. A list of covered property withspecific amounts of insurance.

10 11

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e are always looking for instructional materi-als about insurance to share with teachers.Do you have some good classroom resources

that help you teach insurance? We will happily sharethis information with teachers if you contact us at1-800-IEF-4811 or www.ins-ed-fdn.org.

naursngs aris fl ©T Cikoz-cosm(This insurance game was submitted by Marsha Krone, Peoria

Notre Dame High School, Peoria Illinois.)gcsuramce Lcrsn.aee Game Divide the class into six groups.

Each group will be given two paper plates with an insuranceterm written on the paper plate. The teacher will toss thepaper plate with the definition on it. After the group whocatches the toss reads the definition and determines that thedefinition does not match the term they have been given, thegroup then tosses the insurance Frisbee to another group. Thefirst group to match their two terms with the correct definitionmust raise their hand. At that point, all activity must stop andthe group reads their terms and definitions to the class. Ifthey are correct, the remainder of the class may continue thegame until all terms and definitions are matched correctly. [17

Time Requirement: 14 minutes

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c29wmciloci-ficlEo®DI )IEF's Discussion Site is a place whereyou can field questions to felloweducators or to someone in the insur-ance industry. It could lead you to awealth of information helpful to youin the classroom. Try it!

IEF's Classroom Resources listsmaterials about insur-

ance that youmay want to

use in your class-room. Share a

valuable teaching aidwith us, and, if it is still

available we'll add it tothis site. We appreciate

hearing from you.

Consumer gee ifor Teenagers

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This web site was created by theInternational Baccalaureate InfoTechIII/IV class at Mount Ranier HighSchool in Des Moines, Washington,as a special project for the Washing-ton State Attorney General's Office.All of the information in this sitewas developed by teens for teens.It is intended to help teenagers(a group commonly targeted bybusiness and scam artists) becomebetter consumers as well as givingthem somewhere to turn if they havequestions or problems. Topics cov-ered include car buying, credit cards,calling cards, apartment renting,college scholarship scams, and manyothers.

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Insurance Education Foundation3601 Vincennes Road

P.O. Box 68700Indianapolis, IN 46268

(317) 876-60461-800-IEF-4811

www.ins-ed-fdn.org

Insurance Education Foundation StaffRobert L. Harrison

President

Nancy M. ColemanExecutive Director

Paige StoverMarketing Manager

Mae BillingsFoundation Assistant

The Insurance EducatorEditorial Advisory Board

Carol Jean LafertyBath County High School

Owingsville, KY

Jim StablyState Farm Mutual Insurance Co.

Bloomington,- IL

John FisherAuto Owners Insurance Company

Lansing, MI

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Insurance EducatorVolume IX Number I Winter/Spring 2000

The Insurance Educator is published twice a year at the beginning of each school semester to provide information and assistance to secondaryeducators who are teaching insurance in any class. Please share it with colleagues. We did not publish an Autumn issue of The InsuranceEducator. The last issue published was Winter/Spring 1999.

Special FeatureWhat To Do After An Accident

(Printed with permission of The USAA Educational Foundation. Permission to reprint does not constitute a third-party endorsement of products,services or publications. Any other usage of this material is expressly prohibited without permission of the USAA Educational Foundation.)

Being involved in an accidentnaturally leaves you feelingconfused, shaken, and possibly

even angry or scared. If you are notinjured yourself, there are somethings you should do at the scene of aserious accident to help get your claimprocessed quickly and accurately.

In This Issue ...SPECIAL FEATUREWhat To Do After An Accident pg 1

TEEN DRIVERS andAUTOMOBILE INSURANCESaving Money on Your AutoInsurance pg 2

Nine Easy Ways to Frustrate CarThieves pg 3

IEF NEWSInsurance Educator of the Year pg 4

John C. Etling Scholarship Recipients pg 4

Risk Challenge Summary pg 5

Update on Strategic Planning pg 6

Graduate Scholarships for Teachers pg 6

LESSONS FOR THE TEACHERHomeowners Refunds pg 7

INSURANCE TRENDSMisbehavior Has Other Ramifications . pg 7

CLASSROOM RESOURCESDriving Safely pg 7

Your Driving Costs pg 7

STEP 1 Stop your car in as safe aplace as possible. Turn off the igni-tion. Get out carefully and determineif anyone is injured. You mayadminister first aid if needed, butusually you shouldn't try to move aninjured person.

STEP 2 Call the police (911 in mostplaces) immediately. Be sure to tellthem about any injuries. The policewill inform the nearest medical unit.

STEP 3 If possible, move your car toa safer place to prevent additionalaccidents and further damage to yourvehicle. If your car cannot be moved,turn on hazard lights, and ask theinvestigating officers to help you setup flares until the car can be towed.

STEP 4 If another car was involved,record the car's year, make, modeland license plate number. Get thedriver's name, address,license number and thename of his/her insurancecompany. If the driverdoes not own the car,get the name of theca"r'S owner. Also,get the names andaddresses of anypassengers in the car,or other witnesses.

STEP 5 Write down the names andbadge numbers of police and otheremergency personnel at the scene.Ask the investigating officer how toobtain a copy of the police report foryour claim.

STEP 6 If you think the other driverwas under the influence of alcohol ordrugs, insist on a breath test for youand the other driver.

STEP 7 Cooperate with the policeand other people involved, but don'tapologize for or acknowledge theaccident in any way. You may berequired to say what coverages youhave, but don't say how much insur-ance you carry.(continued on pg. 8)

) A I I I I

Teachers may want to use this article to demonstrate how the following tips can lower insurance rates.

Saving Money on Your Auto InsurancePrinted zvith permission from Insurance Information Institute.

Nine ways to save money on yourauto insurance:

1. Comparison Shop Prices for thesame coverage can vary by hun-dreds of dollars from company tocompany, so it pays to shoparound. Surf the net, ask yourfriends or call your state insur-ance department for ideas aboutcompanies and agents to contact.You should get at least three dif-ferent quotes. But don't shopprice alone. The insurer youselect should offer both fair pricesand excellent services. Qualitypersonal service may cost a bitmore, but provides added conve-niences, so talk to a number ofinsurers to get a feeling for thequality of their service. Ask themwhat they would do to loweryour costs. Check the financialratings of the companies withA.M. Best or Standard and Poor's.

2. Ask for Higher DeductiblesDeductibles represent the amountof money you pay before youmake a claim. By requestinghigher deductibles on collisionand comprehensive coverage, youcan lower your costs substantially.For example, increasing yourdeductible from $200 to $500could reduce your collision andcomprehensive cost by 15-30 per-cent.

3. Drop Collision and/orComprehensive Coverages onOlder Cars It may not be costeffective to have collision or

2

comprehensive coverages on carsworth less than $1,000 becauseany claim you make would notsubstantially exceed annual costand deductible amounts. Autodealers and banks can tell you theworth of your car.

4. Buy a Low Profile Car Beforeyou buy a new or used car, checkinto insurance costs. Cars that areexpensive to repair, or that arefavorite targets for thieves, havemuch higher costs.

5. Take Advantage of Low MileageDiscounts Some companies offerdiscounts to motorists who drivefewer than a predeterminednumber of miles a year.

6. Consider Insurance Cost WhenMaking a Move Costs tend to belowest in rural communities andhighest in cities where there ismore traffic congestion.

7. Find Out About Automatic SeatBelt or Airbag Discounts Youmay be able to take advantage ofdiscounts on some coverages ifyou have automatic seat beltsand/or airbags.

8. Ask About Anti-Lock BrakesAnti -lock brakes improve steeringcontrol and stability when a car isbrought to a stop, thus reducingaccidents. Some states, includingFlorida, New Jersey and NewYork, require insurers to give dis-counts_for cars equipped with.thebrakes and some insurers have anationwide discount in place.

9. Inquire About Other DiscountsSome insurers offer discounts forthings like no accidents in threeyears, drivers over 50 years ofage, driver training courses,anti-theft devices, good gradesfor students and having morethan one car insured with thatcompany.

Nine Easy Ways to Frustrate Car Thieves

Printed with permission from the SAFECO Agent.

There is no foolproof way tosafeguard against car theft.But many no-cost deterrents

exist for protecting your vehicle. Athief's greatest enemy is time. Themore difficult your car is to steal,the longer it takes to be stolen. Thelonger it takes, the more likely thethief will move on to an easier target.Here are nine ways to frustrate carthieves:

1. Park with the wheels turnedtoward the curb. Turn them evenwhen parking in driveways andparking lots. This makes yourvehicle difficult to tow.

2. Park in well lighted areas.More than 50 percent of vehicle theftsoccur at night.

3. Use your garage and lockboth the vehicle and the garage.

4. Keep your vehicleregistration in your purse or walletand file your title at home. If a thiefhas these two documents, your carwill be easier to sell.

5. Park in attended lots.Thieves don't like witnesses.

6. Activate anti-theft devicesyour car is equipped with.

7. Close all windows, lock alldoors and take the keys with you.One out of four stolen cars has itskeys inside.

8. Always turn off your engineand take your keys with you during"quick stops" at convenience stores,gas stations, ATMs, dry cleaners, etc.

9. Put all packages andpersonal items out of sight. Itemsleft in the open make your vehiclea more desirable target. Eli

13 3

IEF News

Insurance Educatorof the Year

Theodore Sapeta

TheodoreSapeta, a busi-ness teacher atJohn F. KennedyHigh School inBellmore, NewYork, was select-ed as the recipi-ent of the JamesL. OsborneInsurance

Educator of the Year Award. Sapetareceived an all-expense-paid trip fortwo to San Antonio, TX where heaccepted this honor on September20th at the opening session of theannual convention of the NationalAssociation of Mutual InsuranceCompanies (NAMIC), of which IEF isan affiliate. Sapeta and John F.Kennedy High School received cashawards in conjunction with thisaward. Sapeta will also serve on thecommittee that selects the InsuranceEducator of the Year for the year2000. The award bears the name ofJames L. Osborne, who was IEF'sfounder.

Sapeta's entry into the competitionincluded teaching strategies, lessonplans, and student activities createdto teach high school students the fun-damentals of insurance as well ashow insurance is relevant to theirlives now and in the future. Sapetaattended the Insurance EducationInstitute for High School Teachers atThe College of Insurance in NewYork City in the summer of 1997.Attendance at one of the IEF insti-tutes is a prerequisite for entry intothis competition.

Materials for the 2000 competitionwill be coming to institute graduatesthis spring!

4

John C. Et ling Scholarship Recipients

ohn C. Et ling was the President and CEO of General Reinsurance inStamford, Connecticut. He passed way in 1997. Later that year, IEF beganworking with Gen Re to establish a program to honor the memory of John

and to raise new funds for IEF. Sporting clays was a passion of John's and formany years he organized these events around the country to raise money forphilanthropic causes. Wanting to continue that tradition in John's memory,friends created the John C. Et ling Scholarship Awards and designated thefunds for educational programs for IEF.

This past summer, IEF awarded a John C. Et ling Scholarship Award to oneteacher in each of the seven Insurance Education Institutes for High SchoolTeachers. The cash prizes were awarded for the teacher achieving the highestdegree of excellence in the course. The high schools where these teachersteach also received cash prizes. The winners were: Drake University:Marcella Peach, Centennial High School, Circle Pines, MN; Illinois StateUniversity: Ruth L. Gayton, Hamilton High School, Hamilton, IL; TheUniversity of Alabama: Alan G. Hughes, Gordon Central High School,Calhoun, GA; Cal State, Sacramento at San Francisco State: Norvell E.Burrow, Merrill F. West High School, Tracy, CA; Virginia CommonwealthUniversity: Edward A. Bosha, Meadowbrook High School, Richmond, VA;The College of Insurance: Rosemary keichold, LoCust Valley High School,Locust Valley, NY; Florida State University: Edna La Count, Columbia HighSchool, Lake City, FL.

Edna LaCount receives her John C. Etling Scholarship Award from Sonya Burrows,2nd Vice President at General Reinsurance at the Florida State University institute.

14

Risk Challenge SummaryThe third annual Risk Challengestudent contest concluded lastApril. The contest was open to

the students of all teachers who haveattended an Insurance EducationInstitute for High School Teachers.Cash awards were presented to allwinners: First place winnersreceived $750, second place winnersreceived $500 and third placewinners received $250. In addition,the teachers ofthe winners received $100gift certificates.Congratulationsto the followingwinners andhonorablementioncontestants inthe RiskChallenge!

In theBrochurecategory, firstplace wentto BrianEdmondson,Halls HighSchool,Knoxville,TN. Secondplace wentto StephanieMcGraw &DarciHurlbut,Clark High School, Clark, SD.Raphael Tzvi Rosenblatt, EastsideHigh School, Gainesville, FL tookthird place.

In the Poster category, first placewent to Jonathan Frisch, John F.Kennedy High School, Bellmore, NY.Second place went to Heather Clyde,Clark High School, Clark, SD.Nicole Johnson, Malta High School,Malta, IL took third place.

In the Other category, first placewent to Elizabeth Vancil, SpartaHigh School, Sparta, IL who created

y

viirtu.aae,

a PowerPoint presentation. Secondplace went to Jeana Lowery, TimOlson and Brandy Hedrick fromClinton Community High School,Clinton, IL, who created a presenta-tion in a notebook format. Thirdplace went to Jonathan Katz andMatthew Field from John F. KennedyHigh School, Bellmore, NY for theircreation of a video.

Honorable Mentions went toDanielle White and Melanie Rodell,Clark High School, Clark, SD;Jason Dee Marr, Hastings Sr. High

School, Hastings, NE;ShaunBensol andEvanRichheimerfrom John F.KennedyHigh School,Bellmore

oration Foundathiospo

411.cTitlE,

ova WiliflaDOCrj72nacuaD bplei

gv

,o0Nun

boom c.1-IdnIc about it!And then. . .Design a BrodiurefCreate a Poster!h'Im a Video!

or Eapress Your Ideasin another Mednan!

The RISK ClIallerweis a contest that Invites

toclisidual or group projectsViva Wilver&.11taxpll Madroa noes an am oleos,

aw ...Sat loOio00 ad. '00 0,11individual or

group projects willbe accepted.Ask your teacher

for Contest Guidelinesand Entry Films

IM.C.11. malls .1 beannnancrt1 on May I, I

NY;SamanthaRiley, ShaleceLaughner,Erin Fendleyand BrianRawlins from,Clinton CentralJr.-Sr. HighSchool,Michigantown,IN; LaceyPhillips andKjell SmithRyerson from

Eastside High School, Gainesville,FL.

Congratulations also go to theteachers of these students: AmandaSharp, Halls High School, DeLaneIsaak, Clark High School; NormaWood, Eastside High School;Theodore Sapeta, John F. KennedyHigh School; Rita Goodwin, MaltaHigh School; Carolyn Johnson,Sparta High School; and ClareneArnold, Clinton Community HighSchool.

1 5

Check Out the IEFWebsite Online!

www.ins-ed-fdn.orgIEF's Discussion Siteis a place where youcan field questions to fel-low educators orto someone in theinsuranceindustry.It couldlead youto a wealthof information helpful to you inthe classroom. Try it!

IEF's Classroom Resourceslists materials about insurancethat you may want to use inyour classroom. Share a valu-able teaching aid with us, and,if it is still available we'll add itto this site. We appreciatehearing from you.

ATTENTIONREADERS!

We would very much appreciate it if you

could take a moment to complete the

postcard to your left. Our goal is to

present this newsletter in the most

efficient format we can . We need to

know how you are using it currently so

we can continue to provide you with

valuable information to help you in

your classroom. If you have more

information to share with us, please

e-mail us at info@ins-ed-fdn.org, call

1-800-433-4811, or write to us at

IEF, 3601 Vincennes Road, Indianapolis,

IN 48268. Thank you very much!

5

Update on StrategicPlanning

The IEF Board of Directors con-ducted a strategic planning retreat attheir February, 1999 board meeting.The two primary program goalsinclude developing a new curriculumto be used by any teacher who coversinsurance in his/her classroom (busi-ness, consumer economics, mathe-matics, etc.) and implementing newtechnology as a way to communicatewith and educate teachers.

Information and updates will beforthcoming in future issues of TheInsurance Educator.

IEF Board of Directors: From left to right: Dallas Luby, General Reinsurance; Peter Hohman, Insurance Institute of Canada;Robert Bischoff, Chairman of the Board; Roger Smith, Insurance Educational Association; Jeffrey Beyer, Farmers Insurance Group;Robert Moone, State Auto; Ellen Thrower, College of Insurance; Henry Viccellio, United States Automobile Association; Ron Smith,Smith, Sawyer & Smith; John Fisher, Auto-Owners; Sharon Heaton, Heaton Agency; William Lebo, SAFECO; Diane Beckley,PEMCO, Stephen Collesano, American International Group; Donald Sullivan, State Farm; Robert Harrison, President; NancyColeman, Executive Director.

Graduate Scholarships for Teachers!

Every summer, IEF funds Insurance Education Institutes for High School Teachers. This upcoming summer theinstitutes will be held at the following locations:

Drake University, Des Moines, Iowa June 18-30

Florida State University, Tallahassee June 18-29

Cal State Sacramento at San Francisco State June 19-29

The College of Insurance, New York City July 9-21

Illinois State University, Normal July 9-21

The University of Alabama, Tuscaloosa July 9-21

Scholarships for these institutes are available to high school teachers who teach insurance as part of theircurriculum. Funds are provided for room and board, tuition, field trips, and classroom materials. Graduate creditis awarded upon successful completion of the course. This intense two-week institute is designed to increaseteachers' knowledge of insurance and their abilities to relate this information to their students.

If you wish to receive an application, please complete the insert card in this publication or call 1-800-433-4811 torequest more information.

6 16

Lessons for theTeacher

Homeowners RefundsReprinted from an Abigail Van Buren advice column.

When homeowners move, they oftenneglect to contact their insurance companiesto cancel their homeowners insurancepolicies. When the mail is undeliverable,the policy is automaticallycancelled.

Often, a return of premi-um is available to theinsured. Homeowners whohave moved or sold a homein the last five years shouldcontact their previousinsurance company becausethere may be an unclaimedrefund.

Misbehavior Has Other RamificationsPrinted wi permission from the Insurance Information

Institute.

Kansas hassigned into lawa new bill thatprovides forthe revocationof the driver'slicense of anyyoung person whois suspended from school for possession of weapons ordrugs.

The new law also covers suspension for any behaviorthat could cause serious injury to others. The KansasDivision of Vehicles will not issue a new license for oneyear. If the student already has a suspended license,the one-year revocation will be added to the earliersuspension.

New Laws forYoung People!

I II

10a111G1IWAYeAFF:11Y.

Driving Safely

The Insurance Institute for Highway Safety is an independent, nonprofit,research and communications organization dedicated to reducing highway crashdeaths, injuries and property damage losses.

IIHS is wholly supported by automobile insurers. They have available a numberof complimentary publications and brochures that address the issue of highwaysafety. Visit them at www. highwaysafety.org for more information. Their addressis 1005 N. Glebe Road, Suite 800, Arlington, VA 22201.

Your Driving CostsHow much does it cost to drive?

AAA's annual Your Driving Costs brochure lists national per-milecosts and the composite national average for three sizes of cars, andgives average per-mile costs for a sport utility vehicle and mini-van.The brochure also takes you through steps to figure your own drivingcosts. Costs are broken down into two categories operating costs and own-ership costs.

Operating costs include gas, oil, maintenance, and tire expenditures.Ownership costs include taxes, depreciation, finance charges, registration,

insurance and license fees. AAA has published Your Driving Costs since1950. That year, driving a car 10,000 miles annually cost 9 cents a mile, andgasoline sold for 27 cents per gallon. For your free copy of this brochure, stopby your local AAA office. 1.7

7

1

I 0- '

What To Do After An AccidentSTEP 8 If the other person takesresponsibility for the accident, do notaccept any money he or she mayoffer you. By accepting money, youmay give up your right to file a claimagainst the other driver, even if thedamages turn out to be more exten-sive than you first thought.

STEP 9 Never agree to forget aboutan accident, even if there appears tobe no damage. You may find outlater that there were actually hiddendamages or injuries. You may evenfind out the other person has filed alawsuit against you.

STEP 10 Write dowmart account:ofwItat'haPperieet and everything perL:tinent to the accident: time of day,

LeS '0N1 'Pied11 `weLi6u143

cm/debelsod 's.n

'6.10 1110.1d-uON

11111111111111111111111

weather, hazards, road conditionsand driving speed. Draw a roughdiagram of the site, showing stopsigns, signal lights, warning signs.Measure skid marks and determinepoint of impact. Make notes aboutinjuries or statements from anyonewho says they are not hurt. Noteany pre-existing damage on othercars involved.

STEP 11 If a camera is available,take pictures showing the damage,position of cars skid marks, and any-thing else documenting what hap-pened. Make copies of all the pic-tures.

STEP 12 Report the accident to yourinsurance agent or company.

11111"111"111"1"111

910I-0IZEV HO SflHIAIMODanovona

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Insurance Education Foundation3601 Vincennes Road

P.O. Box 68700Indianapolis, IN 46268

(317) 876-60461-800-IEF-4811

www.ins-ed-fdn.org

Insurance EducationFoundation Staff

Robert L. Harrison

President

William J. Howell, CLU, ChFC, CAE

Exec. VP/CEO

Paige Stover

Marketing Manager

Carol Silvey

Foundation Assistant

99Z9I7 NI isHodpue!pul00L89 x08 'O'cl

peoN sauuaDu!A Low

NOINON1103 Nounnni

Volume Number 2000

"The Insurance Education Foundation seeks to improve the understanding of insurance and its rolein society through the education of teachers and students."

Passengers meandanger for teen driversBy Karen S. Peterson, USA TODAY

he more passengers that pile

into the car with a teenage

driver, the greater the risk ofan

accident that will kill the driv-

er, a study shows.

"I think we can safely say that the more

passengers there are, the higher are the --

death rates for 16- and 17-year-old drivers,"

says Li-Hui Chen, who headed a research

team at Johns Hopkins School of Public

Health. "When a I 6- or 17- year-old is carry-

ing three or more passengers,

the death rate is three times

greater than ifthey are carry-

ing no passengers."

Chen, whose study is in

[the March 22/29, 2000

(Vol. 283, No. 12) issue of]

The Journal ofthe American

Medical Association, specu-

lates that the driver may be

distracted by the passengers

"talking, or they might be encouraged by

the passengers to perform risky behaviors,

such as running red lights."

The risk ofdeath increases for drivers

with passengers regardless ofthe time of

day or the sex ofthe driver, although males

risk is greater.

The study finds that, compared with

drivers ofthe same age with no passengers,

the relative risk ofdriver death per 10 mil-

lion trips was 39% higher for 16-year-old

drivers with one passenger, 86% higher for

those with two passengers and 282% high-

er for those with three or more passengers.

The study analyzed data from three federal

fatality and transportation reports.

Having slightly older passengers was no

protection: Teen drivers were still more apt

to die with passengers who were in their

20s than when they were driving alone.

Chen and her peers recommend a gradu-

ated licensing system for

...THE MORE.PASSENGERS

THERE ARE, THEHIGHER THEDEATH RATES

ARE FOR 16- AND17-YEAR-OLD

DRIVERS.

teens: a supervised learner's

permit, an intermediate

license and a full-privilege dri-

ver'S license.

In an editorial accompany-

ing the article, Robert Foss

suggests that in the second

stage, teens should not be

allowed to drive after 10 p.m.,

when overall driver death

rates are higher than earlier in the day, and

that the number of passengers should be

restricted during the early stages ofdrivers'

training. Foss is a member ofthe University

of North Carolina Highway Safety

Research Center in Chapel Hill.

Foss says that such "graduated driver

licensing" (GDL) systems, which are new in

the USA, have decreased the number of .

theiNsuRANcEeducator wwwieforg 19

SPECOAL FEATURE

Passengers mean danger forteen drivers 1

LETTER FROM THE CEO 2

OM THE MEWS

John C. Etling award recipients 3

New faces at IEF 3

Volunteers help children 4IEF sponsors insuranceeducation institutes 5

Advisory council meets 5

ASK THE EXPERT 6

'TEENS AHED oNsu r 'NICE

How to choose a safe carfor your teen 7

crashes involving novice drivers 7% to 32%.

The study authors say 24 states have

full GD1_, systems, but only nine limit

passengers.

They also point out that motor vehicle

crashes are the leading cause ofdeath

among teens, accounting for 36% ofthe

deaths of people 15 to 19.

"Knowing the circumstances associated

with increased risk to teenage drivers is use-

ful in formulating graduated driver licensing

programs and in advising health profession-

als who take care ofteenagers," Chen says.

(0 Copyright 2000, USA TODAY. Reprinted with permission.

'140E311117. L

Dear Friends:

The Insurance Education Foundation is committed to looking for additional ways to provide resources for teachers and students that will

help explain and "demystify" the subject of insurance. To that end, you will see changes in this newsletter that respond to suggestions readers

made in our recent survey. You wanted more graphics, handouts, and classroom ready resources on the subject. You requested greater

frequency of communication and more articles to consider.

This redesigned newsletter will be the first in our effort to meet these needs. In addition to the focus on material you can reproduce, weare

budgeting for three newsletters in 2001. We want to provide timely information that you can integrate into your curriculum, and we

want to give it to you on a more frequent schedule.

Another initiative for IEF will be the provision of resources such as lesson plans on our web site. We are in the process of purchasingthe

equipment needed to translate our videos and text material to electronic format. Once there, it becomes available to you and your

colleagues at the touch ofa keyboard. We are also committed to getting the best of our lesson plans on line to provide you with fresh sources

of teaching material each year.

We thank you for your interest in IEF and insurance education. We look forward to continuing a partnership with secondary school

educators to provide the financial education our young people need to succeed as consumers. Please let us know what we can do to make

your instruction more effective.

Sincerely,

William .1. Howell, CLU, ChFC, CAE

CEO

E

rw

Q.

IZHIECK UT toii0

NEW FEATURE: "ASK THE EXPERT"In a continuing effort to provide educators with pertinent and timely

information about insurance, the Insurance Education Foundation isadding a new feature to this publication entitled "Ask the Expert." Ineach issue, professionals from the insurance industry will answer ques-tions that you need clarified in order to provide additional classroominstruction. 11n order go d© this, however, we need you © send inghose quesgions! Please do so by using the enclosed, self-addressed,

postage-paid postcard. We look forward to hearing from you!

the iNsOANcEeducator wwwieforg2 0

John C. Etling awardrecipients announced

This year's recipients ofthe

John C. Et ling Scholarship

Awards were announced at the

respective graduation cere-

monies ofthe Insurance Education

Institutes for High School Teachers. The

Insurance Education Foundation and

General Reinsurance of Stamford,

Connecticut presented these awards in

honor ofJohn C. Et ling. Mr. Et ling, who

passed away in 1997, was the President and

CEO of General Reinsurance. He believed

in and supported the mission of IEF and was

known to his colleagues as a champion of

insurance education.

Monetary awards were given to the

teacher in each ofthe five insurance insti-

tutes who demonstrated the highest degree

of excellence in the course. A monetary

award was also sent to each recipient's high

school for the purchase of materials and/or

equipment for his/her department.

Katherine Hoyne, a teacher at William H.Taft High School in Chicago, Illinois, receivesthe John C. Etling Scholarship award foroutstanding achievement at the InsuranceEducation Institute for High School Teachersat California State University, Sacramento(held on the campus of The University ofSan Francisco). Presenting the award isAnthony J. "Tony" Anastanio, Senior V.P.,General Reinsurance Corp. and ThomasHeflin, PhD., Institute Administrator.

Teachers receiving this award were Dawn

Nicol of Windom Area High School,

Windom, Minnesota (Drake University);

Monica Hyjek of Black River High School,

Ludlow, Vermont (The College of

Insurance); Katherine Hoyne of William H.

Taft High School, Chicago, Illinois

(California State University, Sacramento);

Joe Greenwood of North Scott High

School, Eldridge, Iowa (Illinois State

University); and Peter Gonzalez, Jr., of G.

Holmes Braddock Sr. High School, Miami,

Florida (Florida State University).

theINsuRANcEeducator wwwieforg

New FacesNot only does The Insurance Educator

have a new look, IEF does too. At the end

of 1 999, the Insurance Education

Foundation hired William J. Howell, CLU,

ChFC, CAE as CEO. Bill served on the

staffof the Society of Financial Service

Professionals in Bryn Mawr, Pennsylvania

for I 9 years, most recently as Vice

President, Member Services. Prior to

joining the Society's staff, he was an agent

for Connecticut Mutual Life.

In addition to Bill, in February Debra W

Kelleher was hired as the new Foundation

Manager. Deb served as Chairman ofthe

Board and President ofthe Arthritis Foun-

dation in Cincinnati, Ohio for twenty years.

Carol Silvey, our veteran, was recently

promoted from Foundation Assistant to

Program Coordinator.

CHMAC ©Ig7 TM[1JU o 2s E'l MIU

R9IM ZIOM2,Mwww.Eef.© vs

The look of IEF's website will soonbe changing! Within the next year,we hope that you will notice manyimprovements at www.ieforg. Ourgoal is to make the site easier tonavigate and to continually add newmaterials to keep you coming back.

Look for teacher's lesson plans andour Choice-Chance-Control andFast Lanes: Risky Roads videos foryou to readily download and useimmediately in the classroom. Wewill also be adding links to manyother helpful sites to assist you withinsurance education.

If you have any suggestions for thewebsite, we would appreciate hearingfrom you.

Volunteers help protectchildren from natural disasters

he Insurance Education

Foundation and the Institute

for Business and Home Safety

(IBHS) recently teamed up to

tackle a new program called "Protecting

Our Kids from Disasters." IBHS has organ-

ized this campaign to provide information-

al assistance and to encourage parents,

friends, businesses and communities to

make child care centers in their area safer

from disasters. Non-structural retrofits

(modifications to equipment, supplies and

\*-

furniture in and around the building) help

improve overall safety and avoid minor

mishaps as well as major catastrophes.

Volunteers from IEF's National Advisory

Council of Secondary Teachers and IEF staff

spent a Saturday morning securing cabi-

nets, installing safety latches and putting

plastic sleeves over exposed light bulbs at a

downtown Indianapolis day care center.

While the program seeks to provide pro-

tection during a natural hazard event

(earthquake or tornado), the work done in

taemliuRANcEeducator tit wwwieforg

this retrofit will also enhance the safety of

the center during operations on a day-to-

day basis.

If you are interested in more informa-

tion about a safety retrofit in your area,

you are invited to contact the Institute

for Business and Home Safety at

(617) 292-2003.

Robert Bischoff, IEF Chairman, and GlenMarch, Advisory Council member, work onmaking an Indianapolis day care centersafer.

.1*

22

ID az; R9Gmg

sponsors :_nsurance

education institutes for

h'gh schoolteachers

it

This summer the Insurance

Education Foundation (IEF)

sponsored the thirteenth

annual Insurance Education

Institutes for High School Teachers. These

institutes are open to high school teachers

who teach insurance as a specific course or

as part of another subject. The purpose

of these two-week programs is to enable

teachers to become more effective in

teaching insurance by providing the tools

they need for understanding all forms of

insurance, with an emphasis on the rele-

vance to high school students and their

families. Along with increased knowledge,

teachers return to their classrooms with

videotapes, lesson plans, and other class-

room materials to help them with their

instruction.

Scholarships cover the cost ofon-

campus room and board and classroom

materials. Three hours ofgraduate credit

are also provided at no cost to teachers

High school teachers gather at TheCollege of Insurance before beginning anintensive two-week institute that includedcompany visits in New York City.

who successfully complete the course.

One hundred and thirty-seven teachers

attended the institutes held this summer

at five universities around the country.

Nearly 1,900 have attended throughout

the history ofthe program. Those

universities who conducted the institutes

this year are Drake University in Des

Moines, Iowa; The College of Insurance

in New York City; The University of

California, Sacramento (held on the

campus of The University of San

Francisco); Illinois State University in

Normal; and Florida State University in

Tallahassee.

Look for information about next

summer's institutes in the next issue of

The Insurance Educator, due out early in

2001, or call IEF at 1-800-433-4811.

theiNsuRANcEeducator wwwieforg

AMIScOW ILV EELS

The National Advisory Council of

Secondary Teachers (NACST) met with

the Insurance Education Foundation's

Chairman ofthe Board, Robert Bischoff,

and staffmembers Bill Howell, Debra

Kelleher, and Carol Silvey in Indianapolis

on July 29-30. Those Council members in

attendance were Evelyn Beenenga of

Auburn, Illinois, Lisa Brown of Devine,

Texas, Emmy Domozych of Greensboro,

North Carolina, Marsha Krone of Peoria,

Illinois, Carol Laferty of0wingsville,

Kentucky, Glen March of Parker, Colorado,

and Ted Sapeta of Bellmore, New York.

The Advisory Council is composed of

educators who provide a valuable service to

IEF in the form of review of current pro-

grams and recommendations for future

development. These dedicated people are

collectively a barometer for the effective-

ness of IEF's insurance programs in the

schools.

The National Advisory Council of

Secondary Teachers meets bi-annually. For

more information, visit our web site at

wwwieforg or call the Foundation at

1-800-433-4811.

1

If your address has changed, if youare a new teacher, if you are replacinganother teacher, or if you do not wantto continue receiving this publication,

please let us know.

INSURANCE EDUCATION FOUNDATION3601 Vincennes RoadIndianapolis, IN 46268

Toll Free: 1-800-433-4811E-mail: info@ief.org

. ,4,

tidbits...APPEAL FOR 'YEACFIBMGEAUEROALZNBIlimmumeneemmur

Do you have some

good classroom resources

that help you teachqp insurance?

We are always looking for instruc-

tional material about insurance to

share with teachers. We would be

happy to consider publishing your

ideas, lesson plans, or resources in

The Insurance Educator. If you can

help, contact us at 1-800-433-48 I I,

email us at info@ieforg, or fax us at

317-879-8408.

&©T AL SMENER42KUM OCR OMORAMECIAOMI FORM2

My car waslegally parked as

it backed intoanother vehicle.

/ I had beendriving for forty yearswhen I fell asleep atthe wheel and had

an accident.

Cominghome I

drove intothe wronghouse andcollided

with a treeI don'thave.

2Y

FAMDLEIS QUIPMES

"It is hard to fail, but it isworse never to have triedto succeed!

Theodore Roosevelt

"Whether you think youcan or think you can't,you're rights

Henry Ford

COI w IESTICak

"I am a recent high school graduate who will be attending

college in the fall. I plan to live in a dorm. Will my personal

belongings be covered by my parents' homeowner's

insurance policy? Do my parents need to inform my

insurance company that I'm moving to a dorm?"

&NSW-0E122A parent's homeowner's policy is frequently extended to cover any student insured

by the policy who is temporarily living away from home for the purpose of attending a

school, college or university. The coverage would apply to property the student brought

to school from home, property acquired at school that will return home with the student,

and property acquired at school that will not return home with the student. There is

normally a sub-limit, or maximum, (example $2,500) that will be covered on such proper-

ty. Some insurers may not explicitly state that they cover students' property, but do and

others may exclude it altogether unless it is specifically asked for as an extended coverage.

Insurance policies may not explicitly require that you advise your insurance company

when a student leaves home. However, it is a good idea to let your agent or broker know.

It is always best to look for answers in the specific policy that your parents have pur-

chased, preferably with the advice ofa qualified insurance professional.

Peter G. Hohman, FCIP, CRM, CAEChartered Insurance ProfessionalPresident and Chief Executive OfficerThe Insurance Institute of Canada

,1

theINSURAN6 e''-Lcator wwwieforg

4

How to choose a safe car for your teenReprinted from USAA Magazine,May -June 2000, USAA, San Antonio, TX

emember your first car? A set

ofwheels is nearly every teen-

ager's dream and every par-

ent's nightmare. If your child is

getting ready to drive, whether it's in a fami-

ly car or one of his or her own, these point-

ers can lead you to the safest vehicle.

MNIAU 40O MOMSteer clear of sports cars and other

vehicles with a performance

image. Sports cars, muscle

cars and vehicles

with performance

features such as

turbocharging can

encourage speeding.

Avoid sport utility vehicles (SUVA

SU Vs especially the smaller ones

pose a rollover risk because oftheir higher

centers ofgravity. Less-experienced drivers

may be more likely to use abrupt steering

motions, which can cause rollovers. This

can happen when teens are fooling around,

showing offin front of

friends or simply

over-correcting a

turn. Under these

circumstances, a

more stable vehicle would, at worst, skid or

spin out.

G Stay away from small vehicles. Because

oftheir size and weight, small cars offer

significantly less protection in crashes.

© Avoid older vehicles. Most of today's

cars offer better crash protection than

those made six to 10 years ago. Improved

crush zones, better-designed safety cages,

antilock brakes and air bags are among

the new safety features that older vehicles

may lack.

MI1AU 1001( I7020 Find a vehicle with a sedate image. Cars

with fun, sporty, speedy images can encour-

age reckless driving and speeding. A basic

model with a more staid image (a family

sedan, for example) can reduce the chance

that your teen-ager will be in a speed-

related crash.

3 Choose a mid-size or full -size vehicle.

"When it comes to safety, the bigger the

better," says Kim Hazelbaker, senior vice

president ofthe Highway Loss Data

Institute. However, you don't need to put

your teen-ager in the largest

vehicle you can find.

Many mid -and

full-size vehicles

offer excellent crash

protection.

Pick a vehicle with air bags. Many

vehicles made in the 1990s have air bags,

although many manufacturers added them

to their passenger cars before they included

them in their trucks. To determine ifa vehi-

cle is equipped with air bags, check the

owner's manual. Many air bag-equipped

models but not all have markings like

these on the steering wheel or passenger-

side dashboard panel: SRS, SIR or SRS/Air

Bag. (Beginning with the 1998 model year,

dual air bags for driver and front-seat

passenger are required in all new cars.

This federal requirement also applies to all

new light trucks, vans and utility vehicles

beginning with the 1999 model year.)

Check the safety ratings and choose a

vehicle with good crash protection. Safety

ratings are available on several Web sites.

Look into the Insurance Institute for

Highway Safety (IIHS) site, www.high-

waysafety.org; the U.S. Department of

Transportation's site, www.nhsa.dot.gov;

and the USAA Educational Foundation's

site, www.usaaedfoundation.org.

C) Choose a newer vehicle. Late-model

vehicles offer better safety equipment.

For example, according to the Insurance

Information Institute andlIHS, a newer

midsize car with air bags is a better choice

than an older, larger vehicle without

them.

theINSURANCEedUCatOr J www.iefo45

Also, be sure your teen knows that air

bags are designed to work in conjunction

with safety belts. Insist that your teen

always wears his or her seat belt and that

all passengers wear them as well.

Look for antilock brakes. Antilock brak-

ing systems, also known as ABS, are stan-

dard in many late-model vehicles. ABS

helps the driver maintain control during

hard stops. Antilock brakes also allow

shorter stops on slippery pavement. With

ABS, you should not pump the brakes the

system does it for you. If you learned to

drive with old-fashioned brakes, you proba-

bly learned to pump the brakes and steer

into a skid. If your vehicle has ABS, unlearn

these habits and do the opposite: Brake

firmly and steer out ofa skid.

THE

OgS4Drfr NCE

oun atilnKnowledge for a Lifetime.

INSURANCEEDUCATIONFOUNDATION STAFFWilliam J. Howell, CLU, ChFC, CAECEO

Debra W. KelleherFoundation Manager

Carol D. SilveyProgram Coordinator

OFFICERS

Robert D. Bischog CPCU, CLUChairman

William J. Howell, CLU, ChFC, CAEChiefEvecutive Officer

BOARD OFDIRECTORS

Diane BeckleyRetired ExecutivePEMCOAnacortes, Washington

Jeffrey C BeyerVice PresidentFarmers Group, Inc.Los Angeles, California

LZS '0N *madll 'weySugo

OlVdaselsod .sn

-8.10 l!joid-uoN

John Cook Peter Hohman, FCFP, CAE W. Donald Sullivan, CPCU, CLU, Louis HadsockSenior Vice President President and CEO ChFC Douglas, GeorgiaNationwide Insurance Enterprise The Insurance Institute ofCanada Exec. Vice Pres. & Chief Admin.Columbus, Ohio Toronto, Ontario Officer DeLane W.Isaak

State Farm Fire & Casualty Company Clark, South DakotaStephen Collesano, PhD. Thomas R Kearney Bloomington, IllinoisVice President Executive Vice President Marsha A. Krone

American International Group, Inc. Ben field Greig LLC Ellen Thrower, PhD. Peoria, IllinoisNew York, New York Stamthrd, Connecticut President

The College oflnsurance Carol J. LafertyPaul R. Davies William J. CYDorinell, III, CPCU New York, New York Owingsville, KentuckyExecutive Vice President Sr. VP Property & CasualtyAon Group, Inc. Reinsurance Div. Kent Williams Glen MarchChicago, Illinois Employers Reinsurance Corp. Sr. Vice President, P& C Operations Parker, Colorado

Overland Park, Kansas USAAJohn W. Fisher San Antonio, Texas Dana MelcherPresident Robert W. Pike Grinnell, IowaAuto-Owners Insurance Company Executive Vice PresidentLansing, Michigan Allstate NATION L ADVISORY Marva Pelander

Northbrook, Illinois COUNCIL OF Lakewood, WashingtonRobert L HarrisonChairmanIndiana Lumbermens Mutual

Roger L Smith, CPCURetired President

SECONDARYTEACHERS

Theodore SapetaBellmore, New York

Insurance Co. Insurance Educational Association Evelyn BeenengaIndianapolis, Indiana San Francisco, California Auburn, Illinois Harold A. Valentine

Searcy, ArkansasSharon K Heaton, CIC Gordon Stewart Lisa BrownHeaton Agency, Inc. President Devine, Texas Helen WadkinsPontiac, Illinois Insurance Information Institute Quicksburg, Virginia

New York, New York Marcia CunninghamWilliam T. Lebo, CPCU Toronto, Ontario Canada Clark YoungbloodExecutive Vice President Milton, FloridaSAFECO Emmy DomozychSeattle, Washington Greensboro, North Carolina

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U.S. Department of EducationOffice of Educational Research and Improvement (OERI)

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