Teen Will Drive Soon
OH -OH that's the first thought that comes to parents mind once he realizes that his son or daughter has now reached that age of 16 It seems like a “right of passage” from childhood into becoming an adult. Your little boy or girl turns 16 and MUST have a car because everyone in school has one. Teens crave the freedom away from Mom and Dad, acceptance by their peers and the ability to show off (with the right vehicle of course!). We all remember what it was like when you looked at your mom or dad's car and you dreamed of the day when you can sit behind the wheel and take it for a spin all by yourself. Well that day has come for your son or daughter, in the lifecycle begins all over again. These can be exciting times or both the parents and also your son or daughter but, let's have a word of caution first .
Teen Driving Statistics
Motor vehicle crashes are the leading cause of teen death in Canada. As a matter of fact car accidents cause more deaths than all the sicknesses and diseases combined for teenagers. An average of 6,000 teens die and another 300,000 are injured annually across North America. Teens crash for many reasons, but the most common are overconfidence, speeding, impaired driving, distraction and inexperience. In addition, seat belt use among teens is the lowest of any age group on the road. Thank goodness for those new laws that now limit the amount of teens that can be in a vehicle at any one time due to distraction texting etc. In Canada, teens (16 to 20 years of age) are invovled in 15% of crashes, and in some localized areas that percentage is even higher! Such as the GTA. Recent statistics show that motor vechicle crashes are now the #1 killer of teens in Canada, and while crashes account for only 2% of all deaths nationwide, they account for a surprising 70% of teen injury deaths. Speed, distraction, fatigue and inexperience, coupled with a lack of seat belt use, are all prevalent factors in these fatal crashes.
Driver Education is Key:
In fact, because of the high death toll involved with teen driving, many provinces have already enacting Graduated Driver Licensing (GDL)
laws. Graduated Driver Licensing introduces teenage drivers to the road in stages, over an extended period of time and in an environment that minimizes risk. First is the G1 phase where the teen practices with supervision. Next is the Provisional or Probationary Phase(G2) where the teen is allowed independent driving with restrictions. Only after successfully completing both phases will the teen be granted full driving privileges. As your teen learns this new and important skill, practice is very important. As a parent or guardian of a new driver, spend as much time as possible helping and teaching your teen good driving
habits.Many Provinces have restrictive laws that go along with having a GDL license,
- May not drive between midnight and 5.00am
- May not have more than one passenger in the car who is under 21 and not an immediate family member.
May not use a cell phone (including hands free), or any other hand held electronic device.
Driver and ALL passengers must wear seat beltsThese laws may vary a bit by province but are now becoming extremely common. In most provinces with GDL laws, your child must complete at least 20 months of driving, and be at least 16 years of age, before they can apply for a standard driver’s license with no restrictions.
Ontario Fraud Laws and Auto Insurance Insurance statistics show that since the youthful driver is significantly more likely to have an accident than a typical adult driver, so there will be a higher premium charged when the youthful driver is added to the parents policy. There is a temptation then to “forget” to add the new driver to the auto policy or not list the new driver on your renewal questionnaire in order to save money even though the child is driving Mom or Dad’s car. We caution you against this practice. The State of Ontario has certain fraud laws in this area that will allow an insurance company to deny a claim in the event the driver is an undisclosed household operator. In addition, the Attorney General has the ability to fine the policy holder in the range of thousands of dollars.
Insurance-Friendly Cars For Teens
The decision is made. You want to buy your son or daughter their first car. It will be in your name and properly added to your policy. But what to buy? You know it's not only the car model you have to consider. You also have to think about the impact the car will have on your auto insurance. It would be a wise decision to contact Bethel insurance brokers and get advice on what to do to make sure that your your teen driver is covered properly. With our young drivers program your teem will be off to a great start with the privilege of driving.
Insurance companies surcharge youthful operators in three areas:
- Comprehensive (theft)
- Collision (damage caused to the vehicle in an accident
If you choose a vehicle that may be older, and does not require comprehensive or collision (a lower value vehicle) the premium will be considerably less than a newer one which will require full coverage. Fnd out about our teen driver safety program as we can get you linked with driving schools that are right beside us.
Let us assist you in making a good choice for your teen. Contact Bethel Insurance and one of our agents can help you make the right decision when buying that first car for your teenager.