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If you are involved in an accident with an uninsured driver, you probably will not be able to collect damages from that driver. Uninsured Motorist (UM) coverage (which varies by state) pays the cost of damages and injuries resulting from being hit by an uninsured or hit-and-run driver. Both you and your passengers are covered for medical expenses, lost wages and other injury-related losses. You may also be able to collect for pain and suffering. credit first service union

Similarly, Underinsured Motorist (UIM) coverage (which varies by state) will pay for damages that exceed the amount of coverage carried by a driver with insufficient coverage to cover your damages. card credit mobile service

States Where GMAC Commercial Vehicle Insurance Is Sold USA Alabama Missouri South Carolina Arizona New York Tennessee California North Carolina Texas Colorado Ohio Virginia Florida Pennsylvania Michigan Rhode Island Get a Quote For more information on GMAC Commercial Vehicle Insurance and to get expert advice about insuring your vehicles, contact a Local Agent or call 1-877-468-3466. card credit discover service

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States Where GMAC Motorcycle Insurance Is Sold USA California Florida Michigan New York North Carolina Virginia Get a Quote For more information on GMAC Motorcycle Insurance and to get expert advice about insuring your motorcycle, contact a Local Agent or call 1-877-468-3466. GMAC is a registered trademark. GMAC Insurance is a service mark. . card credit processing service

Collision and Comprehensive Coverage

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Collision coverage pays for damage to your auto that results from colliding with another vehicle or object, or from a vehicle rollover. With collision coverage, your car is covered no matter who caused the accident. card credit service wireless

Comprehensive coverage pays for damage to your auto caused by something other than a collision. This includes theft and vandalism, and disasters such as fire, flood and hail. To our valued Illinois customers please Credit Guide Credit Credit for information that may impact your policy. Privacy Policy Insurance Fraud Credit FAQ California Licensing Contact Us Site Map 2007 GMAC. All rights reserved. credit security service union

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Contact GMAC Insurance

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To speak directly to a GMAC Insurance representative, please call us at 1-800-847-2886. Monday - Friday: 6:30am 10:30pm (Central Time) Saturday Sunday: 7:00am 8:30pm (Central Time) To our valued Illinois customers please click here for information that may impact your policy. Privacy Policy Insurance Fraud Credit FAQ California Licensing Contact Us Site Map 2007 GMAC. All rights reserved. christian counseling credit

Where are America s Least Knowledgeable Drivers | National Driver s Test | GMAC Insurance

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SafeDriving 2008 Average Test Scores by State Text Size: A A A credit division service

Where are America s Least Knowledgeable Drivers Nearly 18 Million Americans Would Fail a State Drivers Test GMAC Insurance 2008 National Drivers test driver knowledge by state

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Top Driving Mistakes that Cause Crashes| National Driver s Test | GMAC Insurance

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SafeDriving 2008 Top Driving Mistakes Text Size: A A A card consolidation credit

Top Driving Mistakes that Cause Crashes 1. Multi-tasking While Driving

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Did You Know GMAC SmartEdge

can help you understand auto financing. Learn more.. Need to fix your credit GMAC SmartEdge can help show you how. Learn more.. GMAC SmartEdge offers tutorials in getting a mortgage, insurance and banking. Learn more.. T C / Privacy Policy | Insurance Fraud | CA Licensing | Careers | Newsroom | Contact Us | Sitemap. consumer credit service

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State Rankings Overview | National Driver s Test | GMAC Insurance

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SafeDriving 2008 State Rankings Overview Text Size: A A A cca credit division service

2008 GMAC Insurance National Drivers Test State Rankings Overview

Where are the most knowledgeable drivers in the nation The following is a complete list of state rankings for the GMAC Insurance National Drivers Test, comparing results from the past four years. credit free report service

Most Knowledgeable Drivers in US | National Driver s Test | GMAC Insurance

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SafeDriving 2008 Press Release with Study Results Text Size: A A A credit repair report service

33 Million Licensed Americans May be Unfit for Roads, According to Fourth Annual GMAC Insurance National Drivers Test Most Knowledgeable Drivers in Kansas, Least Knowledgeable in New Jersey ST. LOUIS, MO. (May 22, 2008)

Results from the 2008 GMAC Insurance National Drivers Test released today found that 16.4 percent of drivers on the road amounting to roughly 33 million licensed Americans would not pass a written drivers test exam if taken today. The fourth annual survey, which polled 5, 524 licensed Americans from all 50 states and the District of Columbia, is designed to gauge driver knowledge by administering 20 actual questions taken from state Department of Motor Vehicles (DMV) exams. Kansas drivers ranked first in the nation, with an average test score of 84.0 percent; New Jersey drivers ranked last, with an average score of 69.9 percent. credit legal repair service

Overall, findings from the 2008 survey indicate that an alarming number of licensed Americans continue to lack knowledge of basic rules of the road. While the national average score improved slightly to 78.1 percent (from 77.1 percent in 2007), in general, geographical regions ranked similarly to previous years, with the lowest average test scores in the Northeast. Across the board, respondents continued to have difficulty on questions about yellow lights and safe following distances. Eighty-four percent could not identify the correct action to take when approaching a steady yellow traffic light, and 73 percent could not properly identify a typical safe following distance from the car in front of them. cic credit monitoring service

Additional key findings from the 2008 GMAC Insurance National Drivers Test include: ccs credit division service

• With Age Comes Wisdom: The older the driver, the higher the test score. Drivers 35+ years old were most likely to pass. credit service union worker

• While average test scores between the genders were similar, women were more likely to fail the test than men (20 percent versus 13 percent) 1st credit service union

• The Northeast had the lowest average test scores (76 percent) and the highest failure rates (19.8 percent) card chase credit customer

• The Midwest had the highest average test scores (81 percent) and the lowest failure rates (11 percent) card chase credit service

• Kansas replaced Idaho s 2007 ranking as most knowledgeable; New Jersey replaced New York s 2007 ranking as least knowledgeable citi credit monitoring service

• New York, New Jersey, the District of Columbia and Massachusetts ranked within the last five places for the past three years credit plus service union

• Fortunately, nearly all respondents (98 percent) know what to do when an emergency vehicle with flashing lights approaches, what to do when hydroplaning and the meaning of a solid yellow line. credit farm service

It s encouraging to see that scores are beginning to get better, but there is still a lot of room for improvement, said Wade Bontrager, vice president, marketing, GMAC Insurance. To do this, we all need to make safety our top priority, review the basic road rules and put them into practice every day. By announcing these results and offering a venue to learn proper procedures, it s our goal to help people become more knowledgeable, and therefore safer, drivers. 1st credit federal service

Survey Says: Test Standardization is Key

In addition to the 20-question DMV exam, GMAC Insurance posed subsequent questions exploring drivers opinions on the current testing process. Bontrager said that each year, people write in asking why there isn t a standard, national written drivers test. While each state has their own rules and regulations, we wanted to find out what people really think about the whole process, he said. We asked if testing should be standardized, if rules should be the same in every state, if you should have to retake an exam, and if so, after what age and how often. While this is sure to spark a healthy debate, it s all in the name of bringing safe driving procedures to the forefront in our minds. credit paychex service tax

These findings reveal: credit service tax

• Approximately three in five (58 percent) believe that permit or license applicants should be required to take a standard, national written driver s test with questions applying to all 50 states aeon credit service

• Seventy-eight percent believe that each state should have the same basic traffic safety regulations, such as speed limit, parking regulations and pedestrian right-of-way credit one service union

• Approximately two in three (63 percent) believe that drivers should be required to re-take the DMV road test after a certain age; 87 percent of those respondents believe it should be no earlier than age 60, and 41 percent think the test should be retaken each year bad cell credit phone service

36 PA 39 SC 40 VA 41 RI 42 MD 43 WV 44 LA 45 HI 46 MS 47 GA 48 MA 49 NY 50 DC 51 NJ. Think You re Smarter than the Average Driver GMAC Insurance encourages the public to put their skills to the test at www.gmacinsurance.com. Play a quirky driving game, take the written test itself, compare your score to the national average and challenge friends to top your score. Also, see how your state ranked in previous years and, most importantly, brush up on safe driving tips. counseling credit debt service

The GMAC Insurance survey was administered by TNS, a leading market information resource and the world s largest provider of custom research and analysis. TNS also is a leader in social and political polling and a top supplier of consumer panel, media intelligence and Internet, and TV and radio audience measurement services. The national sample was comprised of 5, 524 licensed drivers in the United States, aged 16-60+, balanced to the latest U.S. Census data and included at least 100 respondents from each of the 50 states and the District of Columbia. Seventy percent or higher was considered a passing test score. For more information about TNS, please visit www.tns-us.com. card credit payment service

For more information about GMAC Insurance and to find a local independent agent, call. 877-468-3466 or visit www.gmacinsurance.com. 2008 GMAC. All rights reserved. Learning Center card credit merchant

Did You Know Keeping your vehicle in good repair

will keep you and your passengers safe. Learn more.. Turning on headlights during the day reduces the risk of an accident. Learn more.. GMAC SmartEdge can help you understand auto financing. Learn more.. T C / Privacy Policy | Insurance Fraud | CA Licensing | Careers | Newsroom | Contact Us | Sitemap. counseling credit family

2008 GMAC Insurance National Drivers Test Methodology | National Driver s Test | GMAC Insurance

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SafeDriving 2008 Methodology Text Size: A A A area bay credit service

2008 GMAC Insurance National Drivers Test - Methodology

GMAC Insurance conducted an online survey to test driving knowledge among the licensed American driving population. The study was administered by TNS using the company s proprietary research platform. The survey was composed of two parts. First, a multiple choice test simulated a standard written drivers test, with questions taken verbatim from Department of Motor Vehicle (DMV) tests (but not state specific). The second part evaluated knowledge of the rules of the road, as well as behavioral responses to driving situations. Following completion of the survey, respondents were given their score on the 20 drivers test questions. atlanta consumer counseling

Analysis was conducted across age group, gender, ethnicity and state/geographical region. 2008 GMAC. All rights reserved. Learning Center account card credit merchant

Did You Know Curfews

can save lives. Learn how.. Need to fix your credit GMAC SmartEdge can help show you how. Learn more.. When school s out, accidents aren t. Safe driving requires year-round attention and practice. Learn more.. T C / Privacy Policy | Insurance Fraud | CA Licensing | Careers | Newsroom | Contact Us | Sitemap. aspire card credit customer

GMAC Fact Sheet | National Driver s Test | GMAC Insurance

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SafeDriving 2008 GMAC Fact Sheet Text Size: A A A card credit online processing

GMAC Insurance Fact Sheet Founded

1939 and is now part of GMAC Insurance, a subsidiary of GMAC Financial Services. consolidated counseling credit

Overview

An integral part of GMAC Insurance, the Personal Lines group is a provider of nonstandard, standard and preferred automobile insurance and homeowners insurance. The business unit focuses on selling insurance products for cars, trucks, RVs, motorcycles, commercial vehicles and specialty/modified vehicles. GMAC Insurance Personal Lines sells insurance through over 10, 000 independent agents across the United States, directly to the public with dozens of affinity and GM partners, and through its online service at gmacinsurance.com. check credit service

On Nov. 30, 2006, General Motors sold a 51 percent controlling interest in GMAC to a consortium of investors led by Cerberus FIM Investors. In March 2008, GMAC announced a plan to dividend out 100 percent of the voting interest in GMAC Insurance Holdings to GMAC s current shareholders, FIM Holdings, which is controlled by Cerberus FIM Investors, and General Motors. GMAC will continue to hold 100 percent of the economic interests in GMAC Insurance. card credit online payment

Strengthened by the company s ownership structure, GMAC Insurance is able to pursue new business opportunities going forward. Today, GMAC Insurance Personal Lines offers full-service insurance solutions for nearly all automotive brands and models in 47 states, as well as homeowners insurance. civil credit ontario service

GMAC Insurance 2007 Total Revenue $4.9 billion. antonio credit san security

Major Corporate Locations

St. Louis, Missouri Winston-Salem, North Carolina Atlanta, Georgia card cardmember chase credit

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Anne Houseman CerconeBrownCurtis 617-248-0680 x33 2008 GMAC. All rights reserved. Learning Center clean credit repair service

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Executive Summary | National Driver s Test | GMAC Insurance

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SafeDriving 2008 Executive Summary Text Size: A A A bureau card credit service

2008 GMAC Insurance National Drivers Test Executive Summary

As Memorial Day Weekend kicks off the summer driving season, results from the fourth annual GMAC Insurance National Drivers Test indicate that too many licensed drivers lack basic driving knowledge. A pool of 5, 524 survey participants representative of the US Census drawn from all 50 states and the District of Columbia completed 20 questions taken from actual written Department of Motor Vehicles (DMV) tests. The results were eye opening. card credit customer service

• If taken today, 16.4 percent of drivers on the road amounting to roughly 33 million licensed Americans would not pass a written drivers test exam credit financial service

• The national average score was 78.1 percent card citibank credit customer

• Kansas drivers ranked first in the nation (average score of 84.0 percent; New Jersey drivers ranked last (average score of 69.9 percent) bad credit repair service

• With Age Comes Wisdom: The older the driver, the higher the test score budget counseling credit

• While average test scores between the genders were similar, women were more likely to fail the test than men (20 percent versus 13 percent) credit equifax information

Regional Rankings

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• Rankings upset: Kansas replaced Idaho s 2007 ranking as most knowledgeable in the nation; New Jersey replaced New York s 2007 ranking as least knowledgeable bad credit expertise in

• In general, geographical regions ranked similarly to previous years: New York, New Jersey, District of Columbia and Massachusetts ranked within the last five places for the past three years cccs consumer counseling

• The Northeast had the lowest average test scores (76 percent) and the highest failure rates (19.8 percent) credit household service

• The Midwest had the highest average test scores (81 percent) and the lowest failure rates (11 percent) credit monitoring report

• Oregon, which came in first place for the first two years of the test, has dropped to eighth place in 2008, with an average score of 80.9 percent credit creek pacific service

• Wyoming and Nebraska have risen in rank to the second and third place up from 11 and 12 last year respective california consumer counseling

Stumpted Questions: Where America is Lacking

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• Eighty-four percent could not identify the correct action to take when approaching a steady yellow traffic light, and 73 percent could not properly identify a typical safe following distance from the car in front of them credit pacific service union

• Nearly half (47 percent) don t know how many feet to signal before making right or left turns credit first service union

• Forty-three percent are unaware of the meaning of a diamond-shaped sign (warning sign) card credit mobile service

• Fortunately, nearly all respondents (98 percent) know what to do when an emergency vehicle with flashing lights approaches, what to do when hydroplaning and the meaning of a solid yellow line. card credit discover service

Survey Says: Test Standardization Preferred

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• Approximately three in five (58 percent) believe that permit or license applicants should be required to take a standard, national written driver s test with questions applying to all 50 states card credit processing service

• 19 percent do not believe there should be a standard test center credit service union

• 20 percent are undecided card credit service wireless

• Three percent say it doesn t matter credit security service union

• Males were more likely to respond in favor of standardization than females credit report service

• Nearly two-thirds (78 percent) believe that each state should have the same basic traffic safety regulations, such as speed limit, parking regulations and pedestrian right-of-way blogspot com christian

• 11 percent do not believe each state should have the same regulations christian counseling credit

• 10 percent are undecided credit federal service union

• One percent say it doesn t matter credit monitoring service

• Approximately two in three (63 percent) believe that drivers should be required to re-take the DMV road test after a certain age credit division service

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