Teen Driver Safety - Farmers Union Insurance

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					This brochure is informational only and is neither an offer to insure nor a contract of insurance. It is intended to provide a brief,
general description of our New Auto Program. Please note that only the policy contains the actual coverages, definitions,
deductibles, limits, conditions, limitations, exclusions and other provisions. BR-273 (11/05)

                                                                                                                                                      Building Stronger Communities   SM




                                                                                                                                        Teen Driver
                                                                                                                                          Safety




                                                                                 National Farmers Union
                                                                                 Property and Casualty Company
                                                                                 5619 DTC Parkway, Suite 300
                                                                                 Greenwood Village, CO 80111
                                                                                 1-888-455-1011



                               www.FarmersUnionInsurance.com
Graduated Licensing Can Help                                                                               Contents
Teenagers perceive a driver’s license as a ticket to freedom. It’s momentous for parents, too. Though
they often are aware of 16-year-olds’ high crash risks, they’re relieved not to have to chauffeur their          Know The Facts About Teen Driving                2
children around anymore. But the price is steep. Crashes are the leading cause of death among
American teens, accounting for more than one third of all deaths of 16-to 18-year-olds.                          Understanding The Rules Of The Road              3

An effective way to reduce this toll is graduated licensing. Driving privileges are phased in so                 Avoiding Road Rage                               4
that beginners’ initial experience is with lower risk situations. The restrictions gradually are lifted,
so teenagers are more experienced and mature when they get their full, unrestricted licenses.                    What Parents Can Do
                                                                                                                 Setting Guidlines With Your Teen                 5
Graduated systems that are well designed restrict night driving, limit teen passengers, establish
zero tolerance for alcohol, and require a specified amount of supervised practice during the                     Developing A Safe Driver                         6
initial phase. Graduated licensing laws have reduced teenagers’ crash rates in the United
States, Canada and New Zealand, but not all states have such laws. Even without a state law,                     Parents’ Checklist                               7
parents can establish rules based on the graduated model.
                                                                                                                 Driving With Your Teen                           8
What Parents Of Teenagers Can Do
                                                                                                                 Driving Skills Checklist                         9
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 children.
                                                                                                                 Selecting Insurance Coverages                   10

 For more information, your agent has                                                                            Frequently Asked Questions                      11
 an excellent guidebook available,
 “Safe Young Drivers/a Guide for                                                                                 Graduated Licensing Can Help                    12
 Parents and Teens” by Phil Berardelli
 ($15). You can also order the book
 online at www.safeyoungdrivers.com
 or by calling 1-800-289-2339. It may
 also be special ordered from any
 bookstore.

                                                                                                           We at Farmers Union Insurance care about our policyholders and want to make sure
 This book contains lots of diagrams                                                                       parents and teens take a few moments to read this brochure together and complete
 illustrating helpful defensive driving tips and “how to’s”.                                               the attached contract.




   Page 12                                          12                                                                                               1
Know The Facts                                                                                   Frequently Asked Questions
About Teen Driving                                                                               Q. Where is the best place to practice driving at night?
                                                                                                 A. In the beginning, practice driving on routes that are familiar to the teen. Make sure they
                                                                                                    can handle these routes before you introduce new routes with unfamiliar surroundings.

Newly licensed 16-year-olds are the most ill-prepared drivers on the road. They often            Q. How many hours should I drive with my teen?
believe risky driving in familiar situations is not dangerous or that they can cope with any
                                                                                                 A. Safety experts recommend that new drivers receive at least 50 hours of supervised driving
unexpected developments.
                                                                                                    before they become licensed. Keep in mind that state laws may vary. If your teen still
                                                                                                    isn’t comfortable driving after meeting your state’s driving requirements, continue working
According to the Insurance Institute for Highway Safety, Fatality Facts 2006:
                                                                                                    together. Behind the wheel training is critical to giving new drivers the experience they
    •	5,156 teenagers ages 13-19 died in motor vehicle crashes                                      need to become better drivers.

    •	62% of teenager passenger deaths occurred in vehicles driven by another teenager           Q. What are the most common mistakes that new teen drivers make?
                                                                                                 A. They don’t slow down in complex situations, they tend to expect the best rather than
    •	54% of teenager motor vehicle crash deaths occurred on Friday, Saturday or                    the worst ( no defensive driving), and they don’t look around often enough (poor roadway
      Sunday                                                                                        scanning techniques).
    •	34% of teenager motor vehicle deaths occurred between 6 p.m. and midnight                  Q. Is it important that a teen receives practice driving on an expressway?
    •	18% of fatally injured teen drivers, ages 16-17 had blood alcohol concentrations at        A. Yes, but he or she should start on slower roads and work up to highway driving. Teens
      or above 0.08%                                                                               should practice entering an expressway during non-peak hours before attempting to
                                                                                                   merge into rush hour traffic. Check with your teen’s driver education instructor to determine
    •	Seat belt use reduces the risk of serious or fatal injury to front seat passengers by up     when your teen is ready.
      to 50%
                                                                                                 Q. How can we reduce our insurance costs with a teenage driver on our policy?
                                                                                                 A. People who have clean driving records and drive safer cars have a greater chance of
                                                                                                    reducing their auto insurance costs. Attending an accredited driver training/education
                                                                                                    course is one method of teaching your teen safe driving skills and the rules of the road. You
                                                                                                    also can raise your deductible limits and drop certain coverages, such as collision
                                                                                                    coverage for older cars with low cash values. It may also be less expensive to have
                                                                                                    your teen drive one of the family cars rather than buying them their own car. Finally,
                                                                                                    check to see if you can take advantage of multi-car, good student, safe driver and other
                                                                                                    available discounts.




Page 2                                        2                                                                                                11                                      Page 11
Selecting Insurance Coverages                                                                               Understanding The Rules
What type of insurance coverage (financial protection) for each type of loss situation? Here’s a
general description:
                                                                                                            Of The Road
Type of Coverage                                  Description of Loss                                       Often lack of experience behind the wheel, not age, is what puts teens at greater risk of being
Bodily Injury Liability Coverage                  Helps protect a covered driver who is legally             involved or dying in a car accident. The more you practice driving, the better you’ll be at handling
                                                  liable in a covered accident which results in injury      situations on the roads.
                                                  or death to others.                                       Here are some ways to help beat the odds:
Property Damage Liability Coverage                Helps protect a covered driver who is legally             Never let friends drive your car. You could jeopardize your insurance by letting others drive your
                                                  liable in a covered accident in which another             vehicle. If they have an accident, you could lose money, car privileges, a friendship - even your life.
                                                  person’s property is damaged.
                                                                                                            Always wear your seat belt. Buckle up for safety on every trip. If your state has a mandatory
Medical Payments Coverage                         Provides coverage if you, covered family                  seat belt law, you could get a ticket for not wearing one.
                                                  members, or your covered passengers receive
                                                  medical treatment, services, or products for              Know your vehicle. Use features that make it easier and safer for you to operate your vehicle,
                                                  bodily injury caused by a covered accident.               such as sun visors, door locks and parking brakes.

Uninsured Motorists Insurance                     Helps protect you, covered family members and             Stay alert and be a defensive driver. Tailgating is a stupid reason to get involved in an accident.
                                                  your covered passengers who are injured or killed         Try to keep four seconds of following distance between your car and the vehicle in front of you.
                                                  in a covered accident involving a legally liable
                                                                                                            Drive sober. Not only are alcohol and drugs illegal, they slow your reactions and distort reality.
                                                  uninsured driver. (Uninsured Motorists Coverage for
                                                                                                            In fact, they may make you think you’re an awesome driver when really you’re out of control.
                                                  property damage is also available in certain states).
                                                                                                            Cell phone usage. When you need to use a cell phone, pull safely off the road. Remember, when you
Underinsured Motorists Insurance                  Helps protect you, covered family members and             are behind the wheel of a car your focus should be on defensive driving, not making phone calls.
                                                  your covered passengers who are injured or killed
                                                  in a covered accident involving a legally liable          Chill. Don’t get stressed out.
                                                  underinsured driver.
                                                                                                            Follow traffic safety rules and don’t drive faster than you can handle. Watch your speed!
Collision Coverage                                Provides coverage (less your deductible) for loss
                                                  to an insured auto due to a covered collision             Concentrate on driving. Don’t blast music, talk on the phone, eat, study, or put on makeup
                                                  with another vehicle or object.                           while you’re driving!

Comprehensive Coverage                            Provides coverage (less your deductible) if your car is   Be careful when driving friends. Driving your friends is a big responsibility. Don’t take on that
                                                  stolen or damaged due to a covered “non-collision”        responsibility until you’re ready.
                                                  loss, such as falling objects, fire or vandalism.         Use your rear-view mirror. Check traffic before and after you brake, every time.
Insurance coverages and discounts provided by your insurance company are always subject to
                                                                                                            National Highway Traffic Safety Administration
the terms and conditions of your specific policy as well as state statutes and regulations.                 Insurance Institute for Highway Safety

   Page 10                                      10                                                                                                             3                                          Page 3
Avoiding Road Rage                                                                                  Driving Skills Checklist
                                                                                                    Check off the skills your teen has performed several times successfully and confidently. When
Every year, motorists get involved in incidents of violence or hostility including screaming
                                                                                                    all the items are checked off, your teen may be ready to get a license.
obscenities, aggressive tailgating, shaking fists and even using weapons. This type of rage seems
to be the result of stress building up and then exploding when the person is behind the wheel.
                                                                                                    Basic Driving Skills                             Driving Conditions
Here are some ways to avoid being a target:
                                                                                                    rPre-driving checks and adjustments              rDriving in bright sun
   •	Don’t make obscene gestures, even if someone makes them at you.

   •	Use your horn only when necessary.                                                             rStarting, moving and stopping smoothly          rDriving at night
   •	Don’t switch lanes without signaling.                                                          rMaking accurate left turns                      rDriving in rain or snow
   •	Don’t take up more than one parking space.                                                                                                      rDriving in fog
                                                                                                    rYielding the right-of-way
   •	Unless you are disabled, don’t park in a space reserved for the disabled.
                                                                                                    rBacking up                                      rDriving in traffic
   •	Make sure your door doesn’t hit the car parked next to you.
                                                                                                                                                     Turning
   •	Never tailgate.
                                                                                                    Traffic Skills                                   rThree-point turns
   •	If you are driving slowly, pull over and allow traffic to pass.
                                                                                                    rChanging lanes                                  rTurning around by pulling into a driveway
   •	Avoid stopping in the road to talk to your friends.
                                                                                                    rNavigating safely behind other vehicles         rTurning around by backing into a driveway
   •	Turn down your radio so you don’t distract and annoy others in neighboring cars.

Here are some ways to tame your own road rage:                                                      rRecognizing     danger signs/conditions         rU-turns
   •	Remember that driving is not a competitive sport. Help other drivers by using your signal      rCommunicating with other drivers
     when turning, and stay alert to other drivers by checking your rear-view mirror regularly.                                                      Parking
   •	Allow plenty of time for each trip, and recognize that getting angry won’t clear up a          rAdjusting speed and position
                                                                                                                                                     rPerpendicular parking
     traffic jam.
                                                                                                    rPassing on highways
   •	Realize that it’s not your job to change others’ bad habits. You can only control your                                                          rAngle parking
     own attitude.
                                                                                                                                                     rBacking into a parking space
   •	Avoid conflict. If another driver challenges you, take a deep breath and safely get out
     of the way.                                                                                                                                     rParallel parking
    Page 4                                          4                                                                                            9                                      Page 9
Driving With Your Teen                                                                                  What Parents Can Do
Give your teen opportunities to practice what he or she has                                             Setting Guidelines With Your Teen
learned in driver education, and encourage safe habits and
skills. Supervised practice over an extended period of time                                             Supervise Driving
makes teenagers better, safer drivers. That’s why it’s important for                                    Lots of supervised driving experience is the key here. It’s crucial
you to spend time in the car with your teen behind the wheel.                                           that beginners get as much “wheel” time as possible before going
                                                                                                        solo. Even if your teenager is enrolled in driver education, take an active role and supervise practice
While Planning A Driving Session                                                                        driving in a wide variety of situations spread over at least six months. Give learners time to work up to
   •	Choose routes that require your teen to practice different skills. Don’t just drive to and from    challenges like driving in heavy traffic or on the freeway. Continue these sessions even after your teen
     the same place every week. This will not adequately prepare your teen to be a skilled driver.      graduates to a restricted or full license.
   •	Take your teen driving under as many different conditions as possible. To become safe
                                                                                                        Restrict Night Driving
     drivers, teenagers need practice responding to changing weather, visibility, traffic volume
                                                                                                        Outings at night tend to be recreational. In these circumstances, even teens who usually follow all
     and road conditions.
                                                                                                        the rules can be easily distracted or encouraged to take risks.
   •	Before Starting The Car
                                                                                                        Restrict Passengers
   •	Reveiw the route you’ll take, the skills you want to work on, and the goals for the lessons.       Young drivers often want to transport their friends, but won’t drive the same way with their peers
     See if your teen can explain how to perform the skills he or she will be practicing.               in the vehicle as when you’re present. Teen passengers in a vehicle can distract a beginning
                                                                                                        driver and lead to greater risk-taking. Teen passengers at night are particularly lethal. The best
   •	Adjust the right outside mirror for your use while your teen is driving. Also, adjust the vanity
                                                                                                        policy is to restrict teen passengers, especially multiple teens, all the time.
     mirror on the passenger sun visor so you can use it as a rear-view mirror.
While Your Teen Is Driving                                                                              Require Safety Belt Use
   •	Use a calm tone of voice.                                                                          Belt use when you are in the car doesn’t assure belts will be used all the time, especially when
                                                                                                        your young driver is out with peers. Insist on safety belts at all times.
   •	Give simple, clear directions like “slow,” “brake” and “cover,” meaning put your foot lightly
     over the brake in preparation to stop. Look at your teen’s arms - if they’re not relaxed, the      Prohibit Driving After Drinking
     situation may be too hard to handle, or he or she may be getting tired.                            Make it clear that it’s illegal and highly dangerous to drive after drinking alcohol or using any
                                                                                                        other drug. Even small amounts of alcohol are impairing.
   •	Ask your teen to talk about what he or she sees and is planning to do while driving. This makes
     it easier for you to know if your teen is observing and thinking ahead like a good driver.         Choose Vehicles for Safety, Not Image
                                                                                                        First of all, don’t give a 16-year-old a car for at least a year. When you do, select vehicles that
If Your Teen Does Something Wrong                                                                       will reduce their chances of a crash and offer protection in case they do crash. Avoid cars with
     •	Ask him or her safely to move the car off the road and then discuss the mistakes calmly.         performance images that might encourage speeding. Also avoid trucks and SUVs—the smaller ones,
After Practicing                                                                                        especially, are more prone to roll over.
    •	Go over the session together. Give your teen a chance to point out his or her mistakes            Establish and Enforce a House Curfew
      before you do.                                                                                    Find out from the police if your town has a curfew for minors. If not, set your own curfew.
   •	Give positive feedback for what he or she did correctly. Also mention how your teen can            Set Geographic Driving Limits
     improve.                                                                                           If your teen plans to travel outside your geographic area, require that he or she request special permission.

    Page 8                                         8                                                                                                          5                                             Page 5
Developing A Safe Driver                                                                          Parents’ Checklist
                                                                                                   •	Know your child’s traveling companions and monitor your child’s comings and goings.
Teenagers perceive a driver’s license as a ticket to freedom. It’s momentous for parents
too, who are relieved not to have to chauffeur their youngsters around anymore. But                •	Talk to your teen driver frequently about the risks and inherent dangers of operating a
the price is steep. Crashes are the leading cause of death among American teens.                     motor vehicle with anything less than 100 percent concentration.
Driving privileges should be phased in so that beginners’ initial experience is with lower risk
situations. As your teen driver becomes more experienced and mature, restrictions can              •	Insist your teen not operate a car after drinking and refuese to ride with a driver
gradually be lifted.                                                                                 who has been drinking-even a little bit. Make yourself available for emergency
                                                                                                     pick-ups.
Parents, once your teen is licensed, your job is far from
over. That’s when it’s time to kick into surveillance mode.                                        •	Maintain a safe vehicle for your teen driver. Periodically inspect the tires, brakes,
Keep your eyes peeled and your ears open. What you see                                               belts and hoses and other systems that can affect the safety or dependability of the
and hear – and how you respond to it – could save your                                               vehicle.
child’s life.
                                                                                                   •	Be a passenger with your teen. Frequent ride-alongs are the best way to keep
Setting a good example when you drive. It is much more                                               tabs on a teen driver’s progress. Bad habits can crop up any time but are especially
likely that your teen will drive calmly and courteously, use a                                       prevalent in the beginning years of driving. As much as you may want to, it’s
seat belt, pull safely off the road to use the cell phone, and                                       best not to overreact or criticize your teen’s driving while on the road. Wait
obey the speed limit – if you do.                                                                    until you get home. Studies show that an emotionally charged conversation
                                                                                                     reduces attention span and increases distraction. If your young driver does
Working with your teen’s driver education instructor. Find out                                       something wrong, make a mental note to discuss it when you get home.
how your teenager is performing in class and which skills
he or she needs to work on. Ask for a copy of the driver                                           •	Have your teen share costs. Driving is a privilege, not a right, so consider having your
education curriculum.                                                                                child share in the cost of operating the vehicle. This teaches responsibility and
                                                                                                     also gives your teen a dawning realization that nothing is free. It may also translate
Providing a safe car to practice in. Take your teen along for                                        into better driving skills.
a lesson in car maintenance if your car needs a tune-up.
This is a good time to talk about the costs of maintaining
and insuring a car, and whether or not your teen needs to contribute.

Meeting with your teen and your insurance agent to discuss the costs and responsibilities
of driving a car. Research shows that teens who pay for a portion of the maintenance
and insurance of the family car are more likely to be safe drivers.

Taking your teen to get a license only when you both agree the time is right. Some teens
may not be ready for a license even though they are eligible. You need to decide when
your teen has demonstrated the skills and attitude to be able to drive without an adult.




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