Auto Insurance Coverage For Teen Drivers
At The Sorgi Insurance Agency we take teen driving very serious, that is why we like to talk to every teen before they go to get their drivers license. We explain an insurance policy to each teen, show them how their parents premiums will be impacted if the teen gets tickets or has an accident and we give them a few pointers on driving safely. Over the past 9 years since we started having teen talks, we have seen a drastic decrease in tickets and accidents from our teenage clients.
Teen drivers have the highest crash risk of any age group. Per mile traveled, they have the highest involvement rates in all types of crashes, from those involving only property damage to those that are fatal. The problem is worst among 16 year-olds, who have the most limited driving experience and an immaturity that often results in risk-taking behind the wheel.
First Accident Forgiveness
In North Carolina all Insurance companies are obligated to waive the first accident of each driver in a household in a 36 month period of time when the amount for all Bodily injury and Property Damage are less than $1800.
We are able to offer First Accident Forgiveness (to those who qualify) for the first accident of the household which is greater than $1800 never charging Insurance Points nor incurring an increase in your Insurance Premiums. This onetime provision is restored when you have been with the company for 15 years at which time you will never be charged for an accident as long as you remain with the company.
Parents, did you know that your inexperienced teenager will probably have an accident within one month of getting their license?
Compared with crashes of older drivers, those of 16 year-olds more often involve driver error.
Sixteen-year-old drivers have a higher rate of crashes in which excessive speed is a factor.
More of 16 year-olds’ fatal crashes involve only the teen’s vehicle. Typically these are high-speed crashes in which the driver lost control.
Sixteen year-old’s fatal crashes are more likely to occur when other teenagers are in the car. The risk increases with every additional passenger.
Although this is a problem among drivers of all ages, it’s actually less of a problem for 16-year-olds. In 1998, 13 percent of fatally injured drivers had positive blood alcohol concentrations (BAC). Only 8 percent had a BAC of 0.10 percent or greater.
This is a high-risk activity for beginners. Per mile driving, the nighttime fatal crash rate for 16 year-olds is about twice as high as during the day.
Low seat belt use
Teenagers generally are less likely to use safety belts than adults.
What Parents Can Do:
When parents understand the risk factors involved in letting 16-year-olds get behind the wheel, they can act to improve the situation for their own children.
1. Don’t rely solely on driver education
High school driver education may be the most convenient way to learn driving skills, but it doesn’t always produce safer drivers. Parents also should set good examples when they drive while reinforcing the lessons their teens learned in drivers ed.
2. Restrict night driving
Most nighttime fatal crashes among young drivers occur between 9 p.m. and midnight, so you can reduce their risk of a crash by restricting nighttime driving after 9 p.m. The problem isn’t just that late-night driving requires more skill. Outings late at night tend to be recreational. In these circumstances, even teens who usually follow all the rules can easily be distracted or encouraged to take risks.
This is an article that was sent to us. We do not know the source