To operate a vehicle you must have proof of financial

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to operate a vehicle you must have proof of financial

Need something else? Insurance Requirements. You must carry evidence of insurance in your vehicle at all times, and it must be provided when requested. The COC will demonstrate that you and the vehicle you were operating at the time Four different proofs of financial responsibility (insurance) will be. The vehicle owner can show proof that a Surety Bond has been duly executed by depositing cash or securities with DMV or by applying for and receiving a self-. DOWNLOAD THE GRAIL OF FOREX FOR FREE We can computer in will find. I first glued up have so. Therefore, even that you using Codecov's at the gets registered.

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However, having minimum insurance for your car is the easiest way to meet the financial responsibility law and protects you the most. With insurance, when you have a claim or cause damage, the insurance company pays most of the damages and defense. If you take on the financial responsibility yourself, you will pay a lot more than just insurance costs. That's why minimum insurance makes it the easiest and smartest way for individuals to comply with the law.

Most—but not all—states require drivers to purchase car insurance. But all states do have financial responsibility laws. These laws are in place to protect all drivers by requiring drivers to prove they are financially able to pay for an accident. Most drivers comply with financial responsibility laws by purchasing car insurance. You may be asked to show you comply with the state's requirements:. Every state is a bit different but an insurance binder is always proof that you have purchased insurance.

In some states, you can comply with your state's financial responsibility laws in other ways than buying car insurance. Your proof of meeting the responsibility law can be in the form of an automobile insurance ID card or a binder of car insurance. The binder is the temporary evidence an insurance provider will give you as you await the underwriting of your full policy.

Another way to meet the requirement is through a surety bond. A surety is a guarantee that you can assume responsibility—it functions in the same way as an auto insurance policy. You may also be able to use proof of a cash deposit. This evidence shows you have deposited the minimum amount of funds required with an approved state agency, such as the state Comptroller's Office or the state's Office of Insurance.

Also, some large companies or individuals who own a fleet of cars may use a certificate of self-insurance. Again, you will need to deposit a substantial sum with an approved state agency to receive a certificate. In almost every case, purchasing car insurance is the best way to comply with financial responsibility laws. Car insurance not only provides financial protection for you when you are in an accident but will also provide for legal defense if the situation calls for it.

The financial responsibility laws vary greatly in each state. In Virginia, the law is very different. No person may ride in a camp trailer, mobile home, semi-trailer, utility trailer or trunk of a vehicle while it is being moved on any highway.

When a passenger under 19 years of age is transported in a pick-up truck, that passenger must ride in the passenger compartment of the pick-up truck, except, when the passenger under 19 is a:. A person driving an open vehicle, including pick-up trucks, and convertibles, may not transport a dog in the open portion of that vehicle on a public way unless the dog is protected in a manner that prevents the dog from falling or jumping or being thrown from the vehicle, except; when a dog is being transported by a farmer or farm employee who is performing agricultural activities requiring services of the dog, or a hunting dog at a hunting site or being transported between hunting sites by a licensed hunter.

The key to smooth clutch operation is learning to sense the friction point. This is the point when, as you let up the clutch pedal, the engine and the transmission engage. As you continue to let up the clutch, you must match the forward or backward motion of the car with an increase in pressure on the gas pedal. Follow these steps to put the car in motion:. If the car jerks forward, you either released the clutch abruptly, or you pressed too hard on the gas pedal.

If the car lurches and the engine stalls out, you've not fed the engine enough gas. Your selection of gears depends on the power and speed you need for various driving tasks. First gear gives the power needed to set a car in motion. Second gear lets you go 15 to 25 mph, depending on the horsepower of the engine and on whether the transmission is 3,4, or 5-speed. You can also use second gear to start on ice or drive in heavy snow. Third gear, in cars with 3-speed transmissions, is generally used for all speeds over 25 mph.

If a car has a 4- or 5-speed transmission and a small engine, third is used at speeds up to 30 or 40 mph. Use fourth gear for driving above 35 mph on a flat roadway. When driving uphill, you may have to achieve 40 mph or more before shifting to fourth or fifth gear. There are several reasons to downshift: to gain power, accelerate, steer effectively, slowing the car on a down slope except when the road is slippery , and to slow down or stop. To shift to a lower gear, follow these steps:.

Learning to move a manual shift car forward after stopping on an uphill grade takes practice. To keep the car from rolling backward:. Most of what you do while driving is a reaction to what you see. To be a good driver, you need to see well.

Seeing well means:. Suppose you are the driver looking through the windshield. You are approaching the end of the lane. If you don't change lanes soon, you may have to make a sudden lane change, or stop and wait for traffic to clear.

In order to avoid last minut moves, you need to look far enough ahead to see things early. One of the most common mistakes drivers make is looking in front of the car instead of up the road. Expert driver try to keep looking 10 to 15 seconds ahead.

Looking 10 to 15 seconds ahead also helps you to control the car in another way. When you focus attention about 10 to 15 seconds ahead, it is easier to keep your car on a steady path. Looking 10 to 15 seconds ahead doesn't mean looking at the middle of the road. It means taking in the entire scene, the sides of the road as well.

Scanning the roadside helps you to see:. If you look ahead, you will be able to see important things that you can't see later on, such as someone getting into a parked car. The car door might open again or the car might move into your lane right ahead of you. Any time you come to a place where other vehicles or pedestrians may cross or enter your path, look to the sides to make sure no one is coming.

These places include: intersections, roadside areas, crosswalks, and railroad crossings. An intersection is any place where roads meet, so that one line of traffic meets or crosses another. It includes:. Don't rely on traffic signals.

At an intersection, look left and right, even if other traffic has a red light or stop sign. Someone may run either one. Make sure you have a good view. If your view of a cross street is blocked by buildings, trees, a fence or a row of parked cars, edge forward slowly until you can see. If a line of cars in one lane is blocking your view of another lane, wait until the cars move. If you try to look by edging the front of your car into the other lane, you may get hit. Whenever there is a lot of activity along the side of the road, there is a good chance that someone will cross or enter.

Therefore, it is very important to look to the sides when you are near:. A 5-sided sign means you are in a school zone and must slow to 15 mph during recess, or when children are going to or leaving school, during school opening or closing hours an hour before and an hour after the beginning of the school day and an hour before and an hour after the end of the school day , or when school speed limit signs are flashing during school opening or closing hours.

Crosswalks Crosswalks are special areas set aside for people to cross the street. They are often marked with yellow or white lines. There may be warning signs. Most crosswalks are at intersections, but sometimes they are in the middle of a block. Be alert for school crossings in the country as well as in town. You must stop when the school crossing guard directs you, and remember to always yield the right-of-way to any schoolchildren crossing the street.

Stop lines are usually painted on the roadway at a distance from an intersection to give pedestrians a walkway in front of stopped cars. Stop your car before the painted stop lines. When turning a corner, watch for people who are about to cross the street. Remember, if you have a green light, the light may also be green for them. You must wait for pedestrians in a crosswalk, marked or unmarked.

A person who is blind or visually impaired may use a white cane as a means for safe and independent travel. This person may also be led by a guide dog. In either case, this person always has the right of way. If you see anyone in the roadway with a white cane or guide dog, stop at least 10 feet away and wait until the person is out of danger.

A round yellow sign with a black diagonal cross gives warning to feet ahead of a railroad crossing. A black-lettered white cross marks the railroad crossing and shows the number of tracks, if more than one. Check your mirror often for traffic behind you - every 6 to 8 seconds.

This way you will find out if someone is following too closely or coming up too fast, and you will still have time to do something about it. Additionally, you will know how much space you have behind the car. You need to look behind you whenever you slow down quickly, back up, or drive down a long or steep hill. Whenever you change lanes, give the correct signal and look over your shoulder in the direction you are about to move to make sure you do not get in the way of a vehicle that is already there.

Never rely solely on your rearview mirrors. Changing lanes includes:. Look in the mirrors quickly before you slow down or stop. It is very important to do this when you slow down suddenly. Here are some situations when you need to check behind before slowing:.

Backing is dangerous because it is so hard for you to see behind your car. Whenever you have to back your car:. Because it is hard to see while you are backing, try to do as little backing as possible. Avoid backing into traffic. When you enter a driveway or parking space, back into it unless signs forbid it. That way you will be going forward when you pull out. Check your mirrors. Drivers of trucks and buses often try to build up speed so that they can make it to the top of the next hill.

If you see them early, you can change lanes. The three sections before this one tell you where to look. This section and the next three will tell you how to have a clear view wherever you are looking. By law, and for safety's sake, you must be able to see clearly through the windows, windshields and mirrors.

To see clearly you should:. It is harder to see things at night than during the daytime. But you can do some things to help you see better. If a vehicle comes toward you with high beams on, and fails to dim the lights, slow down and look toward the right side of the road. This will keep you from being blinded by the other car' s headlights.

You should also be able to see enough of the edge of the lane to stay on course until the car passes. Do not try to "get back" at the other driver by keeping the bright lights on. If you do, both of you will be blinded. If you look to the right you can see the edge of the lane. Communicating With Others.

Accidents often happen because one driver doesn't see another driver. Or when one driver does something the other driver doesn't expect. Drivers must let others know where they are and what they plan to do. This is communicating. People cannot see you unless they are looking your way.

The horn can get their attention. Use it whenever it will help prevent an accident. Horns can be wrongly used. You should not use them without cause or to make an unreasonably loud noise. Tap the horn lightly, well in advance, to warn others you are there. Try to avoid using the horn around bicycles or horses because the riders may lose control if startled. But if danger is near, don't be afraid to sound a sharp blast.

If your car breaks down on the highway, make sure that other drivers can see it. Some accidents occur because a driver didn't see a stalled car until it was too late to avoid hitting it. If you are having car trouble and have to stop:. Other drivers expect you to keep driving in the same direction. If you are going to change direction, let them know by signaling with the directional lights, or by hand.

It gives them time to react. Always signal before you:. If you do not signal, other drivers will not know what you plan to do. To make sure others do know:. Your brake lights let people know that you are slowing down. If you are going to stop or slow down at a place where another driver doesn't expect it, tap your brake pedal three or four times quickly.

Signal with your brakes when you slow down:. We live in a hour-a-day, information-driven society in which instant communications are an accepted part of life. Instant communications can make businesses more efficient, increase productivity and bring other benefits to society, including rapid response to emergencies. However, the use of communication devices in moving vehicles can distract the driver's attention from the primary task of driving and lead to crashes as critical and as devastating as those caused by impaired driving or other dangerous driving behavior.

Distracted driving may now be the single largest contributing factor to traffic crashes. According to the U. Department of Transportation, distracted driving resulted in nearly 6, deaths and more than a half million injuries in An in-cab driving study of commercial truck drivers by the Virginia Tech Transportation Institute indicated that by far the most dangerous distraction observed was texting.

The study revealed that truck drivers who texted while driving had 23 times the risk of being involved in a crash or a near-crash incident. Laws that prohibit cell phone use and texting have an impact on safety, but stopping the senseless crashes and deaths that distractions can cause is best accomplished by changing driver behavior. To manage or eliminate distractions, it's important to understand the three distinct types:. Visual distractions that cause the driver to look away from the road and view something unrelated to driving, such as billboards, accident scenes, street signs and other external stimuli.

Manual distractions in which the driver removes one or both hands from the steering wheel or other driving control to perform a non-driving task, such as eating, drinking, adjusting mirrors, tuning the radio or programming a GPS. Cognitive distractions in which mental thoughts and feelings anger, anxiety, worry, etc. And while the news media and regulators have focused primarily on the dangers of texting and hand-held cell phone use in moving vehicles, other types of distractions are equally dangerous.

Nearly all accidents involve a combination of two or even all three types of distractions! Short glances at vehicle instrumentation, mirrors, installed communication devices, or other technology can be done safely if these scans are limited to less than one second and are related only to the driving task.

In the rush to be on time for a pick-up or delivery deadline, or to get ahead of traffic congestion, don't make the sometimes-fatal mistake of attempting to multi-task behind the wheel. Properly used, cellular phones enhance driver safety and provide a mobile alert network for the community. To help ensure car phone users drive safely, please follow the common sense advice offered below. A person who has not attained the age of 18 years is prohibited from operating a motor vehicle while using a mobile telephone or hand held electronic device.

A violation of the statute is considered a traffic infraction. A person may not operate a sound system in a vehicle on a public way at a volume that is audible at a distance greater than 25 feet and that exceeds 85 decibels or that is greater than is reasonable with due regard to the location of the vehicle and the effect on persons in proximity to the vehicle.

What is a safe speed? How fast is too fast? It all depends on conditions. How fast you can drive, and be safe, depends on:. Speed limits are posted on many roads. These limits are based on the condition of the road, how far you can see, and what typical traffic is like. Posted speed limits do not tell you at what speed to drive. They only say you cannot go faster than the speed shown. If road and weather conditions make the posted speed unsafe, you must slow down.

Maximum speeds in Maine, unless posted otherwise, are:. Traffic experts have studied road conditions, traffic, and accidents on the road to decide on a reasonable speed limit. It is illegal to exceed the posted speed limit. Racing on the highway and driving recklessly are not allowed. Maine law also says you must not drive so slowly that you interfere with the normal and reasonable movement of traffic except where reduced speed is necessary for safety.

Some highways may have minimum posted speed limits. The only contact your car has with the road is through the tires. And, at any time, the four tires together have only one square foot of rubber on the surface of the road. How good a grip this one square foot provides depends on the condition of the road and the tires.

Many new drivers do not pay attention to road conditions. That is why new drivers have more "out of control" accidents than experienced drivers. Also check the tread of the tires. Test tread wear as described under Owning and Maintaining a Motor Vehicle.

Replace tires before they get too worn for safety. On a curve, speed must be slowed to keep the car on the road. About two tons of car are moving in a straight line with only the front tires to control the turn. If the curve is too sharp, or if you are going too fast, the tires can lose their grip and cause a skid. Slow down before you enter the curve so you don't have to brake in the curve.

Braking in a turn can cause a skid. Bad curves are usually posted with yellow diamond shaped signs. That is,warning signs like these:. At low speeds, most tires will wipe water from a road surface. It is like the way a windshield wiper cleans water off the window.

As you go faster, your tires cannot wipe the road as well. They start to ride up on a film of water, like water skis. This is called "hydroplaning. Bald or almost bald tires lose contact at much lower speeds. In that case, a slight change of direction or a gust of wind could throw your car into a skid. The best way to keep from hydroplaning is to be sure that your tires are in good condition and that you keep your speed down. If the road ahead is slippery, it does not provide the grip your tires need.

You have to drive slower than you would on a dry road. Here are some guidelines for how much to slow the car:. Falling or drifting snow, wet leaves, or gravel on the road may make it slippery. Some road surfaces are more slippery than others when wet.

You know it is important to slow down when the road is slippery. But you have to watch out for slippery roads:. If something is in your path, you need to see it in time to be able to stop. Assuming you have good tires and brakes and dry pavement the following chart should help to determine how far ahead you should see to drive safely when traveling certain speeds. When there are lots of cars there is less driving space; therefore, you have less space to react. You need to reduce your speed to have time to react in the shorter space.

Some of the places where you need to reduce speed are:. Cars moving in the same lane at the same speed cannot hit one another. Accidents tend to happen when one driver is going faster or slower than other cars on the road. Driving in traffic. If you are going faster than traffic even if you are keeping within the posted speed limit , you have to keep passing other cars. Each time you pass another car, there's more chance for a collision.

The car you are passing may change lanes suddenly. On a two-lane road an oncoming car may appear suddenly. True, it may not be a big chance, but if you are passing one car after another, the chances begin to add up. And speeding does not save more than a few minutes out of an hour's driving.

Going slower than other cars or stopping all of a sudden can be just as bad as speeding. Cars bunch up behind you and could cause a rear-end crash. If many cars are pulling out to pass you, and you are driving at the posted speed, you should drive slower or pull over to the right side and wait until they pass. Entering traffic. You need skill and caution to enter a freeway safely from an access lane, and merge smoothly with the fast-moving traffic.

Look for a gap, then increase speed in the entrance lane and enter the gap at highway speed. Leaving traffic. On an expressway, do not slow down until you move into the exit lane. When you turn off a road at an intersection or driveway, try not to slow too early or go too slowly below 5 to 10 mph. Slowing way down or stopping will increase your chances of being hit from behind.

Reacting to slow-moving traffic. Some vehicles have trouble keeping up with the speed of traffic. When you see these vehicles ahead, adjust your speed before you reach them. Slowing suddenly is one cause of traffic accidents. Watch for large trucks and small cars. These vehicles may lose speed on long or steep hills. And, when entering traffic, they take longer to get up to speed. Farm tractors, animal-drawn carts and roadway maintenance vehicles usually go 25 mph or less.

These vehicles have a red edged orange triangle slow-moving vehicle sign on the back. There are many signs that warn you of danger ahead. If you see these signs, you should reduce your speed. Then you will have time to react if there is trouble. Warning signs are almost always yellow and shaped like a diamond. Here are some of the most common ones:. There is another lane of traffic on the right merging with your lane ahead. When is it acceptable to park in a disability parking spot with an access aisle?

A person parking in a disability parking spot, with an access aisle, must utilize the aisle to enter or exit the vehicle. A disability plate or placard must be displayed. Access Aisle Parking in an access aisle is prohibited. For additional information regarding the issuance of disability plates and disability parking placards in the State of Maine, please contact the Bureau of Motor Vehicles at , extension You probably have noticed construction and maintenance projects on the state's public road system, work that is being done to improve and repair our roadways.

Because closing a road and detouring traffic adds expense and travel time, the work must go on while traffic passes through the work site or in nearby lanes. Flashing Arrow Panels: Large flashing or sequencing arrow panels may be used in ahead is closed. Prepare to slow down and move into the lane indicated. Construction Warning Sign: These signs are posted to alert drivers of road construction or maintenance activity ahead.

They also serve to guide a motorist safely through or around the work site. These signs are black symbols or lettering on an orange background and are often diamond shaped. Channeling Devices: Barricades, vertical panels, concrete barriers, drums and cones are the commonly used devices to guide drivers safely through the work zone. When driving near these devices, keep your vehicle in the middle of the lane and maintain a responsible speed.

As you leave the work zone, stay in your lane and maintain your speed-don't change lanes until you are completely clear of the work zone and have checked the traffic behind you. Usually a flagger is stationed on each end of the work zone to let the two directions of traffic alternately travel past the work zone.

Be patient and always obey their signals. They normally wear orange vests, shirts or jackets and use red flags or paddles to direct traffic safely through the work zone, and to let workers or construction vehicles cross the road. It's very important to be patient and obey their signals. When a driver makes a mistake, other drivers need time to react. The only way you can be sure you will have enough time to react is by leaving plenty of space between your car and the cars around you.

That space becomes a "space cushion" which protects you from others. In general, you should try to keep a cushion of space on all sides of your motor vehicle which properly reflects existing speed and road conditions. Rear-end crashes are common because many drivers follow too closely. When the car ahead stops, they cannot stop in time.

You can tell if you are following too closely by using the two-second rule:. In some situations you should allow an extra cushion. A three to four-second following distance may be needed:. School buses and tank trucks carrying flammable liquids must stop at railroad crossings. So expect the stops and slow down early to allow plenty of room. You should also allow a space cushion when you are stopped on a hill.

The vehicle ahead may roll back when it starts up. You need a space cushion to the side to have room to react to sudden moves toward your lane by other cars. Splitting the Difference. Sometimes there will be dangers on both sides of the road.

There may be parked cars to the right and oncoming cars to the left. In this case, steer a middle course between the oncoming cars and the parked cars. Split the difference. If one danger is greater than the other, give more room to the worse danger. Suppose in a narrow lane, there are oncoming cars to the left of you and a bicyclist ahead. In some instances an inexperienced bicyclist will be less predictable.

Therefore, give extra room. An experienced bicyclist will often "command the lane" by moving further into the roadway. Motorists must yield. Slow down to avoid an accident. When it is safe to pass allow at least three feet to your right side when passing. Sometimes you can take two dangers one at a time.

Suppose there is only one oncoming car to the left and a bicyclist to the right. Instead of driving between the car and the bike, take them one at a time. Slow down and let the car pass. Then, move to the left to allow plenty of room before you pass the bicyclist. Don't pass yet. Wait until the approaching car passes the bicycle. The driver behind you has more control over the space behind you than you do.

However, you can help by keeping a steady speed, and signaling in advance when you have to slow down. If you are being followed too closely and there is a right lane, move over to the right. If there is no right lane, wait until the way ahead is clear, then reduce speed slowly to encourage the tailgater to pass. There are certain people you should give a lot of room to while driving.

If you are alert you will learn to spot them as you drive. Someone who cannot see you may enter your path without knowing you are there. People who have trouble seeing you include:. People who are distracted. Even when others can see you, allow extra room if you think they may be distracted. People who may be distracted include:.

Delivery men and women. Construction workers. Children who often run into the street without looking. People who may be confused. A person who is confused is very likely to make a move without looking. People who may be confused include:. This tourist may be confused by the sign and may change lanes suddenly. Be prepared to react. The driver has pulled into the exit lane and then braked suddenly. Be careful because t he car may swing back into your lane. Drivers in trouble. If other drivers make mistakes, do what you can to help them out.

Drivers who need help include:. School buses. Where there are school buses, there are usually children. And children are likely to do something unexpected. It is illegal to pass a stopped school bus with red lights flashing on school property, on any undivided highway or parking area in Maine. If you are approaching a stopped school bus from either direction, with its red lights flashing, you must bring your vehicle to a complete stop in front or rear of the school bus and wait while children are getting on or off the bus.

You must not proceed until the bus resumes motion or until signaled by the school bus driver to do so. Violations carry severe penalties. There are more and more motorcycles on the road. They have as much right to the road as cars. Give them as much space as you would give a car. When you pass a motorcycle, give it a whole lane. Don't try to squeeze past in the same lane. The motorcyclist moves from side to side quickly, in order to see and be seen, and to avoid objects on the road.

Motorcycles give their riders no protection. In many motorcycle accidents, drivers of other vehicles are at fault. Drivers turning left in front of an oncoming motorcycle cause many of the accidents. They fail to see the motorcyclist or they think the motorcycle is going slower than it really is.

Wait for an oncoming motorcyclist to pass before turning left. Emergency Vehicles. Make room for ambulances, fire trucks, police cars, and other emergency vehicles. These vehicles often move at high speeds and use lights and sirens to clear the way for themselves.

At such times, this requires that you pull over to the side of the road and stop. If you are at an intersection, get out of it before you pull over. It is unlawful to follow within feet of any fire truck responding to a fire alarm. Horses and other Animals. Animals driven, ridden or led along the side of a roadway are easily frightened by passing vehicles.

They are usually even less predictable than people in their reactions, tending to rear, swerve or stop suddenly when startled. The alert motorist can prevent accidents by anticipating potentially dangerous situations and slowing down and proceeding cautiously when approaching animals. It is against the law to purposefully frighten any animal being ridden, driven or led on or near a public way. It happens all the time.

In Maine, cars and trucks crash into moose and deer thousands of times every year. It's that big of a problem. Of course, most people are delighted to see a beautiful white-tailed deer or a majestic bull moose. But few people know how to handle a head-on encounter with Maine's largest and wildest creatures. Collisions with deer increase in the autumn, peaking in November - during breeding season. But they can happen any time of the year. Collisions with moose increase dramatically in these months.

Autumn incidents are also common. But don't let your guard down. Crashes happen 12 months a year. From Dusk to Dawn Although collisions can happen any time of the day, moose and deer are most active around dawn and dusk. They also travel at night. So be especially alert after sunset because dark colored animals can be very hard to see until they are right in front of your headlights. Warning Signs Mean Business The locations for Maine's moose and deer crossing signs are chosen based on where there are high concentrations of wildlife and where collisions are a problem.

Moose and deer often travel in small groups. If one animal crosses the road, you can bet that there are more animals nearby that may be crossing. The Moose Standoff If you see a moose standing in or near the roadway, use extreme caution , especially during mating season from August through October.

What if a Crash is Unavoidable? If a crash with an animal is imminent, apply the brakes and steer straight. Let up on the brakes just before impact to allow the front of your vehicle to rise slightly and aim to hit the tail end of the animal. This can reduce the risk of the animal striking the windshield area and may increase your chances of missing the animal. Duck down to protect yourself from windshield debris. There are nearly , bicycles in Maine and most bicycling is done on the roadways of Maine.

As a motorist you should drive defensively around a bicyclist because the slightest mistake by you or the bicyclist, can result in death. The biggest differences between bicyclists and motorists as road users is that bicycles are less visible, quieter, and do not have a protective vehicle casing around them. This means you need to look a little harder and drive a little more cautiously when encountering bicyclists. Here are some rules to help you share the road with bicyclists.

Bicycle Operation Bicyclists are vehicles and have all the rights and responsibilities of other vehicle drivers. Although a license isn't required to drive a bicycle on Maine's roadways, bicycle drivers must obey all the rules of the road. If you break any traffic laws, like riding a bike on the left side of the road, running a stop sign or traffic light you are subject to fines. Be sure to practice on your bicycle before entering traffic.

Never ride in traffic above your skill level. When riding a bicycle follow these rules:. When you are in moving traffic you can control the speed and position of the motor vehicle to keep a space cushion around you. When you approach a line of traffic, however, you must share space with vehicles already there.

One of the biggest problems drivers have is judging how much space they are going to need. Learn to judge how much space you must have to merge with traffic, to cross or enter traffic and to pass other motor vehicles. Remember, when you make any of these movements you must yield the right of way to the other cars. It is your job to allow enough space to keep from interfering with other vehicles.

Space to Merge Any time you merge with other traffic, you need a gap of four seconds-twice your usual following distance. That will give both you and the car behind you a two-second following distance. You need a four-second gap whenever you change lanes or enter a freeway from an entrance lane or merge with another road. Space to Cross or Enter Whenever you cross or enter traffic from a complete stop, you will need large gaps.

To get moving from a full stop, you need a gap that is:. To enter a lane of traffic, you need a little more time to turn and to get up to the speed of other cars. You need a gap that is:. Whenever you pass another car on a two-lane road you must enter a lane that belongs to oncoming cars.

Therefore it's important to watch for other vehicles. Signal, then pass when the way is clear. At highway speeds of 50 to 55 mph, you need from 10 to 12 seconds to complete a pass safely. You must judge whether or not you have enough room to pass whenever you approach 1 an oncoming car, 2 a hill or a curve, 3 an intersection, or 4 a roadway obstruction.

Oncoming Cars. At highway speeds you will travel over feet in 10 to 12 seconds. So will an oncoming car. That means you need over feet or about one-third of a mile to pass safely use your odometer to get to know what this distance looks like. It is hard to judge the speed of oncoming cars or motorcycles one-third of a mile away. They don't seem to be coming as fast as they really are. A car far enough away seems to be standing still. In fact, it may be too close for you start to pass.

Hills and Curves. Any time your view is blocked by a curve or a hill, you should assume that there is an oncoming car just out of sight. Therefore, you should treat a curve or a hill as you do an oncoming car. This means you should not start to pass if you are within one-third of a mile of a hill or curve. Do not pass where someone is likely to enter or cross the road. Passing is dangerous at intersections, crossroads, railroad crossings, and shopping center entrances.

While you are passing, your view of people, cars, or trains is blocked by the car you are passing. Lane Restrictions. Before you pass, look ahead for road conditions and traffic that may cause other road users to move over into your lane. You might lose your space for passing because of:. Space to Return. Don't pull out to pass unless you know you have enough space to return. Don't count on having enough time to pass several cars at once. And don't count on other drivers to make room for you.

Before you return to the driving lane, be sure to leave enough room between yourself and the car you have passed. One way to do this is to wait until you see the car in the rearview mirror. When you can see the car, you have enough time to return to the driving lane. Signs and Markings. Yellow road markings divide lanes of traffic going in opposite directions. Many roads have lane markings that tell when you cannot see far enough to pass.

You may pass if there is a broken center line on your side of the road. Pass only if there are no oncoming cars in the passing lanes. Lane markings and signs can tell you when it is unsafe to pass. Only you can tell when it is safe to pass. While expressway driving involves the same basic skills as driving on a secondary road, the increase in speed makes caution even more crucial.

The severity of an accident increases dramatically at higher and higher speeds! Traveling for long distances on straight roads may make you drowsy or unaware of what is happening around you. This is an extremely dangerous situation; concentration is vitally important whenever you are behind the wheel.

Make an effort to stay alert on the highway:. Talk to your companion or listen to music. Vary your speed slightly from time to time. At the first sign of drowsiness, don't just sit there and try to fight it. Pull over at the nearest rest stop or service area and either walk around and stretch, take a nap, or if possible change drivers. Don't depend on stay-awake drugs which are likely to make your driving even more hazardous.

Most expressways are reached by an entrance ramp and an acceleration lane. The acceleration lane, which varies in length, enables you to get up to the speed of traffic before merging into the regular lanes. Before merging, use your rear view mirror and look over your shoulder to ensure that the way is clear. Some entrances to some expressways do not have acceleration lanes. In this case you should stop before entering, wait for a break in the traffic and then speed up and merge. Proceed carefully as cars which are already on the expressway are traveling very fast and do not have to yield for you.

Do not impede the flow of traffic by pulling into the lane before you have built up some speed. You should be in the right hand lane at all times unless you are passing. Do not pass on the right. Sudden movements at high speeds are very dangerous. Use your mirrors and check over your shoulder to make sure that the way is clear before passing. Mirrors alone are not sufficient due to what is known as the "blind spot".

If a car is directly behind you in an adjacent lane, it will not be visible in the side mirrors. Always notify other vehicles of your intent to pass by using the appropriate blinker. Safe passing depends on cooperation between drivers. Don't speed up when being passed.

Don't cut in too closely after passing someone. You should be several car lengths ahead before pulling back into the right lane. Never cruise along in the blind spot of the vehicle next to you. Never stop on an expressway unless it is an emergency. If an emergency should occur, use the proper signal and pull off the pavement as far as the shoulder permits.

Raise your hood to signal your need for assistance. Under no circumstance should you ever back up, walk or stand on the traveled portion of the expressway. Get into the right hand lane well before reaching the exit. Don't slow down on the main expressway, rather, start slowing down as soon as you enter the deceleration lane and continue slowing at the beginning of the exit ramp. Slow down to the posted speed on the ramp or you may have difficulty getting around sharp curves.

Driving with conservation in mind will not only save you money - on a larger scale it will help minimize our country's dependence on foreign oil, reduce fuel shortages and cut pollution. Part IV Practice Questions. If you do all the things this manual says, you may never have an emergency. But no one is perfect. Chances are things will happen that you can't expect. If you are well prepared, you will be able to react correctly and fast enough to avoid an accident.

You're in better shape to handle an emergency if you are wearing safety belts. If you wear a lap belt your chances of coming out of a collision alive are about twice as good as if you do not. If you are wearing both lap belt and shoulder strap your chances are three to four times as good.

The only way that safety belts can do all these things is if they are buckled. There is no time to buckle them when an emergency happens. You have to do it before you start the car. Use safety belts properly. Keep the lap belt fairly tight, but comfortable, across your lap and hips. Make sure it is below your stomach and rests on your hip bones. Adjust the shoulder strap just loose enough to let your fist go between the belt and your chest.

If you wear safety belts like this, they will be comfortable, and they will give you plenty of protection. NOTE: Approximately 45, people die in traffic accidents each year. Such crashes are the primary cause of death for people between the ages of 1 and Statistically, every citizen has a one in three chance of being in a serious accident in his or her life. Despite these statistics, more than half of all adult Americans don't buckle up.

Young people are even less likely to do so, it's estimated that less than a quarter of all teens use safety belts. Many vehicles are now equipped with airbags which will inflate upon frontal impact. Airbags give you extra protection when the front of your vehicle hits, or is hit by, an object.

You must also use your safety belts to give you full protection. Air bag safety:. Children under 40 pounds. When a child who weighs less than 40 pounds is being transported in a motor vehicle that is required by the United States Department of Transportation to be equipped with safety belts, the operator must have the child properly secured in a child safety seat.

Other passengers 18 years of age and older; operators. When a person 18 years of age or older is a passenger in a vehicle that is required by the United States Department of Transportation to be equipped with seat belts, the passenger must be properly secured in a seat belt. The operator of a vehicle that is required by the United States Department of Transportation to be equipped with seat belts must be secured in the operator's seat belt. Winter Driving.

Winter driving has its own special hazards which call for extra driving skills. On slippery roads, the important points to safe driving are slower speeds, gentler stops and turns, and increased following distances.

The following are guidelines for safe winter driving. Stay off the brake. If you brake hard, your wheels will lock and that makes the skid worse. Turn the steering wheel in the direction you want the car to go. This lines the front of the car up with the back. Turn back the other way. As soon as the car begins to straighten out, turn the wheel back the other way so that the car won't turn too far.

If you don't turn the wheel back, you start a new skid. Continue to correct your steering, left and right, until you recover completely from the skid. Look for something to stop you.

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Share This Page. What Is Financial Responsibility? Proof of Financial Responsibility When you'll need to provide proof of financial responsibility will depend on your state's laws. Some common instances when you must show your proof of financially responsibilit y include the following: When registering your car.

To a police officer during a traffic stop. After you have been involved in a collision. When reinstating your drivers license after it had been suspended or revoked. How to Provide Proof of Financial Responsibility In most states, there is generally more than one way to fulfill financial responsibility laws. Car Insurance Car insurance is by far the most common way to fulfill financial responsibility laws. You can provide proof of financial responsibility with proof of insurance , which comes in the form of: Insurance ID cards.

Insurance binders. Copy of your current car insurance policy. Other Forms of Proof of Financial Responsibility Several states allow drivers to prove financial responsibility through means other than car insurance. Some examples include: Posting a surety bond with your state. Keeping a cash deposit with your state. Filing a government bond with your state.

Common penalties include the following: Suspension of your vehicle registration. Documentation of financial ability should not be older than three months at the time of the application, and must be uploaded to the ApplicationWeb within the application deadline. Financial ability can be documented with one of the following documents:.

Sponsored applicants: If you are sponsored by another person, you must document:. Details regarding this arrangement will be sent to admitted students with their offer of admission. Read more on Student visa deposit for international students. Applicants from developing countries: In assessing your proof of financial ability, the Norwegian Directorate of Immigration UDI will make reference to your individual circumstances job, civil status, property ownership and employment history , your economic commitments in your home country, the potential of emigration, the socio-economic condition in your home country to decide whether you should be granted student visa Study Permit or not.

Therefore, we strongly advice you to upload only genuine and factual proof of financial ability to increase your chance of obtaining a student visa after being offered admission to UiT. You will have access to your money after arriving in Norway through a Prepaid Card cash card until you receive a National Identification Number to open your own Norwegian bank account.

The deposit will only be transferred to your Norwegian account or to your cash card. Back to international admissions Cost and Scholarships. MENU Toggle navigation. Startpage Education Admissions article Proof of financial ability International admissions.

Who must document financial ability? How much is required?

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