Tuesday, September 9, 2008

IIHS Proposes Increasing Minimum Driving Age

By Tom Wiecek, Family and Teen Driver Protection Specialist

The Insurance Institute of Highway Safety announced today their proposal to increase the minimum driving age in all states in the US to age 17. Their reasons are solid and should help reduce the number of accidents involving teenagers.

The Graduated Drivers License program that almost every state has adopted has proven to work. Numbers of teen driver accidents and fatalities have decreased every year since its inception. The GDL program basically adds more supervised driving experience for teens and restricts them from driving during the times when risk is highest. However, more than 5,000 teens are killed in car accidents every year!

Although teens and many parents may not like this change, parents should understand that there are two primary reasons why 16 year olds are most likely to get into accidents- inexperience and immaturity. Parents can help their child get the experience by spending time supervising their teen behind the wheel.

Maturity, on the other hand, can only come with age. The GDL program gives the teen more time for experience but it doesn’t address the problem of immaturity. 16 year olds have the highest crash rate and fatalities of any age group and it’s largely due to peer pressure and not realizing the dangers they face.

16 year olds tend to think they are invincible behind the wheel and when other teens in their car urge them to drive fast, they cave into such pressures much easier.

Whether this proposal is passed in North Carolina or not, there are steps parents can take to reduce the likelihood of their child causing an accident.

Get a home study driving course and spend as much time possible teaching your teen the skills needed to drive safely.

Delay the time before your teen gets a full license. This will help your teen mature and give you more time to supervise your teen’s driving. This will also show how serious you are about their safety.

Get a GPS Teen Monitoring System. This will instantly reduce the likelihood of your teen driving dangerously. If your teen knows that you’ll be alerted, they will be less tempted to speed or break any other rules that you’ve set forth.

Talk to your teen about the dangers. Communication is probably the most effective way to make your teen a safer driver. Share the statistics and the most common mistakes teens make. Then get a contract in writing that states that your teen understands the dangers and will follow the rules you have set forth. You can download a free parent/teen driver contract by clicking here: http://www.teendriverinsurance.com/nc-paramount-res.html.

Please feel to comment on this blog or to send me your thoughts to tom@teendriverinsurance.com.

Tuesday, September 2, 2008

Tears for My Friends

Debbye, a friend of mine shared this with me and I thought I should pass this on to hopefully, help others.

Tears for My Friends
By Debbye Butler

I have a friend named Jeannette. She had a daughter and a son, until October 1986. Her daughter tested the odds of the effects of alcohol on her motor skills and judgment versus her knowledge about the roads with which she was so familiar.

The alcohol won.

Cindy never saw her 21st birthday. Jeannette, however, has to live through every one of her daughter’s candles-and-cake days — wondering what her daughter would look like now and what she would be doing with her promising life.

I have another buddy. His name is Bill. He is a devoted family man, and until a dreaded October night in 1992, he had two sons and a daughter. Now he has one son, one daughter, and 17 years of memories of a child who will never grow older. Bill, too, had to live the worst parental nightmare possible — a tired teenager with a set of car keys, a can of beer, and an invincible attitude on a late weekend night.

Both of my friends are incredibly loving people and responsible parents. They were looking forward to graduations, a son- or daughter-in-law, and grandchildren. But they have been cheated out of some of the best and most meaningful adventures in life, and nothing or no one can change that cruel, crushing reality.

Maybe you know someone who has lost a son or daughter because of this deadly combination. Maybe it’s a neighbor. Maybe it’s a friend. Maybe it’s someone in your own family. Maybe the children’s deaths were caused by another person who was driving while intoxicated.

It’s hard for me to believe I would ever have personally known one family — much less two — that would have to live through this gnawing, once-it-happens-it-never-goes-away pain. And it’s even more difficult to know what to say to them. Hugs help. But they’ll never replace the hugs from the children who are gone because of alcohol.

When Bill was saying goodbye to his son during the funeral, he did the most loving, courageous thing that any parent could do in a situation like this. With a lump in his throat that must have felt like the size of a softball, he looked out at the stunned young faces of his son’s high school friends. He said he never wanted to have to come to a funeral for this reason again. He said, “Don’t drink and drive.”

Bill told me later he hoped he didn’t sound like he was preaching. Well … I hope he did. I hope everyone listened. And I hope everyone remembers.



© Debbye Butler. Used with author’s permission. May not be reproduced in any fashion without author’s express permission. Debbye Butler is a freelance writer based in Indianapolis, Ind.

Wednesday, August 20, 2008

"People don't want to be inaccessible for even 15 minutes driving up the street," said Harrison, 19, a sophomore at Marshall University in Huntington, W.Va. "They're so used to being accessible all the time.

"Targeting inexperienced motorists, several states have passed laws during the past five years restricting cell phone use by teenage drivers.

But a recently released insurance industry study looked at whether teens are ignoring such restrictions contends enforcement and parental influence are just as important as new laws. The Insurance Institute for Highway Safety studied specific state laws which fine motorists under age 18 who are caught using a cell phone.

Researchers who watched as high school students left school found that teenage drivers used their cell phones at about the same rate both before and after the laws took effect.

"Cell phone bans for teen drivers are difficult to enforce," said Anne McCartt, the institute's senior vice president for research and an author of the study. "Drivers with phones to their ears aren't hard to spot, but it's nearly impossible for police officers to see hands free devices or correctly guess how old drivers are."

Motor vehicle crashes are the leading cause of death for teenagers, according to the government's auto safety agency, and teenagers are involved in three times as many fatal crashes as all other drivers.

The institute says 17 states and the District of Columbia have cell phone restrictions in licensing requirements for teen drivers. The National Transportation Safety Board in 2003 recommended that states limit or bar young drivers from using cell phones, leading many states to act.

Harrison, who serves with Students Against Destructive Decisions, an advocacy group focused on highway safety issues, said few of her friends know about laws banning cell phone use by novice drivers.

Bill Bronrott, a Maryland state delegate who sponsored a successful bill in 2005 prohibiting rookie drivers under 18 from using cell phones, except to make 911 emergency calls, said a "combination of education and enforcement" was critical. So, too, parental involvement.
Added Barbara Harsha, executive director of the Governors Highway Safety Association: "What these kinds of laws do is send the message to the parent more than anything else."

In the North Carolina study, researchers found that 11 percent of teenage drivers observed departing 25 high schools during the two months before the ban took effect were using cell phones. About five months after the ban took effect, during the spring of 2007, nearly 12 percent were observed using phones.

In the North Carolina phone survey, 95 percent of parents and 74 percent of teenagers supported the restriction. But 71 percent of teens and 60 percent of parents felt that enforcement was rare or nonexistent.In North Carolina, 37 citations were issued in 2007 by the state highway patrol to teens using a cell phone while operating a vehicle. Twenty-eight citations have been issued in 2008.

Selena Childs, executive director of the North Carolina Child Fatality Task Force, said in an e-mail that with many child safety laws in the state, "knowing that it's against the law is enough for many people to choose to comply with a law."

Childs said the state's driver's license system for young drivers has been effective "not so much because of law enforcement/citations, but because parents and teens self-enforce the law, resulting in reduced crashes.

"Matt Sundeen, a transportation analyst with the National Conference of State Legislatures, said many state laws on cell phones are new, making it difficult to assess their impact. He said more states are considering similar restrictions.

The institute conducted two separate telephone surveys: the first, before the cell phone restriction took effect, was in November 2006 and involved 400 pairs of parents and teenagers; the second, after the law had taken effect, was in April 2007 and involved a different sample of 401 pairs of parents and teenagers. Each survey had a margin of sampling error of plus or minus 5 percentage points.

Please share your thoughts here to help keep our young drivers safe and alive!

Friday, August 1, 2008

Why Insurance Rates for Teens Are So High?

As an insurance agent, this is probably one of the most frustrating responses I get from parents who are adding their teen to their car insurance. I understand this frustration and after I explain the reasons, they usually respond with “But, my teen is a good driver…”

That may be true and you’ve probably spent countless hours helping your teen become a safer driver. If you have, then you should be glad that the chances of your teen getting into an accident will be less likely than most teens on the road. But let me emphasize… Less Likely Than Other Teens… not experienced drivers.

It takes thousands of hours behind the wheel to get the experience to avoid accidents and become the safest of drivers. And this can take years. Here’s a statistic to prove this point.

The crash rate for 16 year olds is nearly 3 times higher than 19 years and nearly 6 times higher than drivers 20 to 24 years old.

Unfortunately, you are going to have to pay high rates for your teen to drive. But, you can take steps to avoid paying the highest rates and keep them down.

Step One- Use an insurance agent that specializes in insuring teen drivers. Family Insurance Specialists represent companies that offer good rates but most importantly offer quality insurance protection that can help you avoid paying out of your own pocket for an accident if your teen causes an accident.

Step Two- Make sure you are getting every discount you deserve. Available discounts may include safe driver, claims-free, good grades, multiple policies with the same company, and in some states you can qualify for a lower rate by keeping a good credit rating.

Step Three- Buy a safe, older, lower profile vehicle for your teen to drive. Make sure it has airbags and anti-lock brakes and is not considered a dangerous vehicle. Your Family Insurance Specialist can help you decide which vehicles are least expensive to insure.

Step Four- Increase your deductibles or drop the collision on older vehicles. If your teen is driving an older, less expensive car, you can “self insure” the car. That means of course, if something happens, you’ll have to pay for the damages to your car, but it can save you a lot of money- nearly 1/3 to 1/2!

Step Five- Get a Teen Driver Monitoring Device installed in your teen’s car. Some insurance companies offer special discounts for these systems. The greatest advantage of these systems is that this will most likely prevent your teen from speeding. Speeding tickets can greatly increase your insurance rates and jeopardize your insurance coverage. Insurance companies know that if a teen driver gets a speeding ticket, the likelihood of an accident in the near future is great. You could get cancelled and it may be more difficult to get another insurance company to pick you up.

To learn more about how you can get the right protection for your teen driver, find out other ways you can save on your car insurance, and keep your teen driver safe visit my website at www.teendriverinsurance.com/paramount or call my office at 869-3335.

Monday, July 7, 2008

"Trunking"- The Latest Danger to Teens!

Just when you thought you've heard it all...

As I was doing my research for this month's issue of my Driver’s Seat e-newsletter, I came across an article about the latest killer of teens.

We all know that car accidents are the number one killer of teens in the US. Now there is a trend going across the country that is adding to the danger of a teen behind the wheel and it's referred to as "Trunking".

As a teen, I remember hearing about kids in school that would climb into a trunk to sneak into a drive-in movie. Of course, I would never partake in such an act. But today, now that the drive-in movie is obsolete, there's another reason why kids are doing this.

Almost every state in the country now has laws limiting the number of passengers during the first few years of a teen driver's experience. These laws were passed to reduce the distractions in the car that have been proven to cause so many accidents. In order to circumvent these laws, kids are now packing themselves in the trunk of the car to be able to go with their friends. The worst part is that they will stay in the trunk while being driven all over town and even beyond.

The dangers are obvious to us and include suffocation, carbon monoxide poisoning, heat exposure, freezing, being crushed or thrown out of the car as a result of an accident. You can just imagine how dangerous this could be for your child.

So what do you do? First explain the dangers and then define the consequences/punishment of this type of action. If your child is guilty, take away driving privileges and inform all the involved kids' parents of the act. You'll also want to pass this article on to other parents, just to let them know what kids are up to these days, so they can proactively counsel against it.

To sign up for a free subscription to my e-newletter, Driver’s Seat, visit my website at www.teendriverinsurance.com/paramount and register for VIP Access. You’ll also be able to learn more about you can best protect your family.

Tuesday, July 1, 2008

StreetSafe Registration Now Open!

Hi,

Registration is now open for the StreetSafe Teen Driver Course at GTCC Jamestown Campus on July 26th.

Go to www.streetsafeus.com and click the "enroll in a class" tab to sign up. There are two sessions: 9AM and 2PM.

Register NOW before it fills up! Only 120 teens will be enrolled.

Don't miss this opportunity to make your teen a safer driver!

See you on the 26th!

Tom

Wednesday, June 25, 2008

Attention Parents: Street Safe Event is Filling Up!

July 26th is going to be here before we know it and everything is coming together for this exciting event.

If you didn't know about this and you are a parent of new driver, you may want to read this post.

My friend, Officer Jim Poer and I went down to Wilmington a few months ago to witness the most amazing teen driver training program we have ever seen. Well, we worked out a deal to bring the StreetSafe training team to the Triad.

Here's a description of the event:

Teens and Driving - The Deadly Equation Motor Vehicle Crashes (MVC's) are the leading cause of death for American teens; more so than drugs, guns or disease. In fact, MVC's kill more teens than the next four leading causes of death combined. Despite driver education programs across the United States, 6000 teens die in MVC's every year. It is obvious current programs are not giving teens the experience or information they need to become safe drivers.

In response to this need, the StreetSafe Teen Driving Program was created by a retired police officer. StreetSafe is a hands-on driving program offered to teenagers through S Solutions, Inc., a 501(c)(3) non-profit corporation. StreetSafe TDP is fashioned after the Emergency Vehicle Operations Course taught to law enforcement and fire personnel. StreetSafe allows teens to witness and experience the consequences of improper motor vehicle operation, particularly in dangerous situations, but in a controlled environment. As a result, teens will gain the experience and information they need to appreciate driving safely and strive to become better drivers.

Specifically, StreetSafe gives teens the chance to experience losing control of a car, teaches them a realistic stopping distance and the hazards of distractions. It also teaches the dangers of alcohol use while driving. Teens should enroll in StreetSafe after obtaining a learner’s permit or driver’s license and are taught by law enforcement and fire personnel who are certified to operate vehicles under treacherous or emergency conditions. These instructors are all too familiar with the tragic results of unsafe teen driving. StreetSafe is not only directed at teens, but just as importantly, their parents, by teaching ways they can help their teens become safer, more responsible drivers. Parent sessions are conducted by a sitting County District Court judge and the past President of the North Carolina Drivers Education Association.

The cost is only $25 per teen driver and pre-registration has already begun. There is room for 120 teens and it is already filling up fast. You can pre-register your teen by sending an e-mail to streetsafe@zipdrip.com.

Young drivers with a drivers license or permit ages 15 to 21 can attend this training.
If you have any questions, please call my office at 869-3335 or send me an e-mail to tom@teendriverinsurance.com.