The Insurance Insider

Confessions of an Insurance Agent

October 23rd, 2006

Teen Driver Statistics

There is some great statistical evidence of the dangers young drivers face on the road at the Insurance Information Institute’s website.  Here’s an excerpt:

“Motor vehicle crashes are the leading cause of death among 15- to 20-year olds. According to the U.S. Department of Transportation, 3,620 drivers in this group died in car crashes in 2004, accounting for 14 percent of all the drivers involved in fatal crashes and 18 percent of all the drivers involved in police-reported crashes. Twenty-four percent of the teen drivers killed were intoxicated. In 2002 (latest data available) the estimated economic cost of police-reported crashes involving drivers between the ages of 15 and 20 years old was $40.8 billion, according to the National Highway Traffic Safety Administration (NHTSA).”
They also provide excellent information about Graduated License programs by state.

October 21st, 2006

Young Driver Insurance Claims

We’ve had our share of claims involving youthful operators. Here are a few from recent memory:

Young Driver hits tree
Single teen driver lost control of her vehicle when she failed to reduce speed as the paved road on which she was driving switched to gravel. 

Vehicle ends up at the bottom of a retaining pond
Group of teens in a car, playing with radio, driver distraction, passengers playing with the steering wheel, driver overcompensated resulting in loss of control.

Hit the accelerator rather than the brake
Sixteen-year-old rear-ended vehicle in front of them. Driver inexperience was the principal cause.

Two vehicles collide while joy-riding
Teens driving in separate vehicles late at night on a gravel road lost control and side-swiped each other

October 21st, 2006

Young Driver Education

What Parents Can Do…

Give 16 year-olds as much supervised driving time with a responsible adult as possible. 

Allow them the opportunity to experience driving under various road and weather conditions before they get their license.  Your child will encounter a limited number of adverse driving situations during the drivers permit period.  Driver’s training should not end when teenagers get their licenses, but continue for at least six to eighteen months after that special day.

Be aware of the higher risk when 16 year olds and peers travel together without supervision. 

Don’t assume that your 16-year-old drives the same way with their friends in the car as when they’re driving with you. Younger children (14 and 15 years old) may be passengers as well.  Although not licensed themselves, these passengers face the same risks as young drivers recently licensed.

Restrict or prohibit late night unsupervised driving.

Teen outings late at night tend to be recreational in nature and pose more risk to children.

Insist that seat belts always be used.

Don’t assume that because your child wears a seat belt when you’re in the car that this behavior continues with their friends. As a condition to using the vehicle, you can require that they and their friends always wear their seat belts.  It is the law in most states.  By the way, seat belt use is increased exponentially when parents set a good example by always wearing seat belts themselves.

Choose safe cars.

Large vehicles are safer than smaller ones.  Air bags improve safety. Avoid performance vehicles and “attitude” cars - the combination of young drivers and high performance can be deadly.

“Turn off/down that music!”

While we all enjoy listening to a good tune while driving, this can be a distraction to a youthful operator just learning the rules of the road. What’s more important — finding that perfect song on a CD or protecting their life and the lives of those for whom they assume responsibility when they’re behind the wheel?

No Cell Phone or Text Messaging!

Along the same lines of deemphasizing the “entertainment” value of listening to the radio, cell phones are another distraction. Insist that your child put down that cell while they’re behind the wheel.

Prohibit driving after drinking any alcohol or taking medications.

No, I’m not endorsing teenage drinking. But kids will be kids, and peer-pressure can be intense. The statistics I’ve seen for drinking and driving among 16 year olds are encouraging (very limited), it does become problematic among older teens.

Similarly, if your child requires medication which may cause drowsiness (antihistamines, cold remedies, etc.), they should not be driving at the same time.  Inexperience and drowsiness are not a good combination.  Many states laws for DUI (driving under the influence) include over-the-counter and prescription medications.

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