ࡱ> q` VbjbjqPqP .::;8ZZZZZ.Z.Z.8.l.tK~/~/~/~/~/ 3 3 3]K_K_K_K_K_K_K$MhPK5S2 355KZZ~/~/K9995^Z~/~/]K95]K99'I|.TJ~/r/ lsCZ.o5I]KK0KIPu6 P$JJ"PJ 3LW3693,3X 3 3 3KK9^ 3 3 3K5555(Z.Z.ZZZZZZ Parents Guide to Young Driver Safety By Stan Dreckman, Certified Insurance Counselor Speaker, Author, Agent/Broker You can save your childs life. As a parent, you are witnessing an exciting time in your childs life. A time in which a new freedom was given to them. This is also a time that is most critical to their future. Right now, you have the opportunity to control their future. ***** Its sad, but true. Most parents trust the drivers education their children get in school. I know they do everything they can. But how can a school give a thorough education in the short time spent with so many other students? If they are lucky, students may get 2 hours of actual driving time during a drivers education course. Just 2 hours! Is 2 hours enough to make a safe driver? I dont think so. Thats why its up to you to take control and make a safe driver out of your child.   Are You a Good Role Model? I am an insurance agent that has insured thousands of families- many with young kids. And I have made two realizations over the years that might be interesting to you. Parents who have tickets have young drivers with tickets. Parents who have had an accident have young drivers that have had an accident. What does that mean? To me, it means simply, you can control your childs future. You are the biggest influence on your child. You drive safe, your child will likely drive safe. You drive recklessly, your child will likely drive recklessly. Let me ask you a question. (There are more questions you should ask yourself at the end of the manual) Would you trust the safety of your child if he or she had the same driving habits as you? Think about that. Have you ever broken a traffic law? Did you ever get lucky and avoided an accident as a result of your mistake? What if your child made these same mistakes without the experience you have? Would they have been able to react like you? What if they werent so lucky? If you are a safe driver 100% of the time, please accept my apologies. I am not talking to you. If you are not, please think about being a positive role model and not an example that can lead to disaster. 10 Helpful Tips for Parents Spend time with your young driver behind the wheel. A client of mine gave me a great suggestion. He made his son and daughter spend 100 hours driving before they can get their drivers license. Each had one year to complete this and probably made the biggest impact their future. Discuss emergency situations with your child. Explain to them how to react to certain situations such as someone swerving into your lane. Observe and learn. Have your young driver observe other drivers and point out the mistakes they make. Lay out the ground rules. Set time limits, speed limits, road restrictions, cell phone use, and other rules before they start to drive. Keep your temper. Show your teenager how to maintain control of your anger when driving. Plan your route. Show your new driver to practice advanced route planning before you drive. Practice, practice, practice. In areas that are open and safe, practice starting, accelerating, turning, stopping, backing up and parking. Remember good driving habits must be a natural reflex and that only happens after months and months on the road. Stress the rules to live by. Read our Safe Teen Driver Handbook and stress these rules as you spend time with your child driving. Talk about the consequences. Explain to them how much it costs for them to drive and how much it will cost if they get a ticket or accident. Develop your own family punishment for breaking the rules. 10. PRACTICE WHAT YOU PREACH! Remember new drivers learn by example too. Your behavior behind the wheel is probably more influential than the driving techniques you teach. The time you spend at this important time in your teenagers life can mold their behavior for years to come. Insurance Insider Reveals Little Known Secrets of How You Can Protect Yourself And Your Loved Ones While You Save Money You see, Ive been working inside the insurance industry for many years now. Ive studied in detail everything from polices to claims. And Ive made a moral decision: to reveal the inside secrets of how you can leverage the vast resources of this multi-billion dollar industry for your financial well being. I specialize in the needs of family insurance and I have decided to dedicate myself to unlocking some of the valuable mysteries of the insurance industry. The Dirty Truth About Insuring Teen Drivers OK. By now, you may now understand my biggest point in this guide. You child is far more likely to get into an accident than an experienced driver. Statistics prove that your young driver is 3 times more likely than a 30 year old! With that said, are you properly protected when they do get into an accident? An accident that could cost hundreds of thousands of dollars? Lets find out. You probably already have good coverage for adult drivers. You may be carrying the most common liability and uninsured/ underinsured motorist limits that 85% of adults carry. But as litigation cost sore and the increased chance of an accident with a young driver, those limits are too low! You should be carrying at least $250,000, preferably over $1,000,000 in protection. Like bodily injury limits, $100,000 for property damage can be low as well. A new BMW or Mercedes can eat up almost all of that. If additional cars are involved, youre in trouble. The best and cheapest additional liability coverage you can buy is an umbrella. You may have heard of these, but it is the best kept secret in our business. You can buy $1,000,000 liability policy for less than $20 per month. That is the best kind of asset disaster protection you can buy! If what I am saying here is new to you, you absolutely must have a family insurance specialist review your actual policy. Your current agent just isnt doing their job. And, if you have problems with your auto policy, you may want your other coverages checked out to.  Now, Lets Look At Some of The Tricks That You Can Use To Save Money On Your Automobile Insurance! Money Saving Tip #1) Raise your deductible. Your deductible is the amount you pay when you make a claim before your insurance kicks in. In other words, if you have a $1,000 claim and a $250 deductible, you pay the first $250 and your insurance company pays the next $750. The disadvantage of raising your deductible is that when you make a claim, youll pay more. The advantage of raising your deductible is that your premium will go down, sometimes as much as 15% to 30% on your collision and comprehensive insurance. Money Saving Tip #2) Drop your collision and/or comprehensive insurance on older vehicles. Sometimes its just not worth paying for comprehensive and collision if your car is not worth that much to begin with. Thats because the amount you pay for the deductible plus the amount you pay for the premium may be more than the value of the car itself. A rule of thumb is that if a car is worth less than $2,000, drop these coverages -- but many people are comfortable with even higher figures. Go to Kelly Blue Book at KBB.com to determine the value of your vehicle. Money Saving Tip #3) Buy a lower profile vehicle. Part of what determines the cost of insurance is the kind of car you own. Some cars are favorite cars for thieves. Some cars are more expensive to repair. Generally, these cars will cost more to insure. To get detailed information on your car or car youre thinking about buying give our office a call for the symbol rating for a vehicle. The symbol rating can be used for comparing rates from one vehicle to another. We do this for all of our clients for free. Money Saving Tip #4) Insure your automobile with the same company that insures your home. Most companies offer discounts when you have all your insurance with the same company. You can save up to 20% on your auto insurance premiums if you have your homeowners insurance and auto insurance with the same company. You will also get a discount on your homeowners. Money Saving Tip #5) Keep on eye on your credit score. What does credit have to do with insurance? It has a lot to do with it today. In the past few years, insurance companies started using credit for underwriting. It is used to place people in certain pricing tiers and responsibility is why. They believe that if someone is responsible enough to keep their credit clean, they are responsible enough to drive safe. Believe it or not, the numbers prove this works in general. Insurance is a numbers game and in order to be competitive, they must save where they can. Money Saving Tip #6) Check out other discounts. Insurance companies try to reward drivers what they think are good risks. Thats the kind of driver they want. Responsible and safety conscious drivers are going to pay lower premiums. Claims free discounts and superior credit will allow you to be insured with a company that has the lowest premiums available. There are other discounts like automatic seatbelts, airbags, mature drivers, and safe drivers. Another great discount is the Good Student discount. Companies that specialize in insuring young drivers will offer this valuable discount. Call us about these and other discounts that are currently being offered in our area. Money Saving Tip #7) Use an independent agent that specializes in family protection. Dont trust your hard earned dollars to someone that works directly for one insurance company. Use someone that can shop your premium with several companies. This agent will look out for your interests and keep your premiums down for the long term. Insurance companies experience good times and bad times depending on their losses for a given year or years. If your insurance company has significantly increased their premiums for more than a year or two, it may be time for your agent to shop for you. If you are using an agent that works for just one company, they wont be doing much shopping. Youll have to cut back on your coverage and make changes that can increase your liability. 3 Steps to Rock Solid Family Protection Right now, lets talk about 3 of the most important things you can do to protect your financial well being for yourself and your family: 1. Have an insurance specialist conduct a Risk Analysis on your home, car and family. You live in the real world. Your life probably has more risks than you dream of. And everyone is different! You could be opening yourself and your family to financial disaster unless youve had someone help you analyze your risks and put together a comprehensive insurance plan to protect you. Our office will do that for FREE. 2. Use an independent insurance agent. Ill be blunt. I know how this industry works. Like I said, theres a lot of money in the insurance industry, and you want to make sure it works for you. You dont want an insurance company employee for your agent. You want someone whos going to work for you! Not someone whose paycheck is tied to one company. You want someone who can shop the market, compare prices and get the most comprehensive coverage maybe even use multiple companies for your total coverage if thats what it takes. Again, individual needs are different one company may not be able to meet those needs. You want a good price. You want protection when disaster strikes. Use an independent agent! 3. Dont trust your familys financial protection to an insurance agent who is not a specialist with insuring families. Insurance is a huge industry. Anything you can have, do, own, manage, or whatever theres insurance for everything. Nobody can specialize in it all. In fact, a professional independent agent can only specialize in a few niches and really understand them. Wishing you and your family good health, prosperity and safe driving! Stan Dreckman, Certified Insurance Counselor Speaker and Consultant PS: I am sure your childs life is most precious to you. Take the time to spend with your child and teach them to drive safe. They will have a better driving experience and will be able to handle the dangers that they experience on the road. Sample rules for your child Set curfews for weeknights and weekends. More than half of the fatal car crashes involving new drivers happen between 9pm and 6am. Set a limit on the number of passengers under the age of 21. Call home when they reach their destination Set guidelines based on academic grades and driving privileges Set punishments for violation of rules Questions to ask yourself Do you use your seatbelt at all times? Do you insist that all passengers wear their seatbelt? Do you obey all posted speed limits? Do you talk on the cell phone when driving? Do you allow a safe distance between you and the car in front of you? Do you wait and look both ways before accelerating at a traffic light or stop sign? Do you know how to change a flat tire and have you shown your child how? Do you always use your turn signals? Do you eat or drink while driving? Do you drive aggressively? Do you play with the radio while driving? Do you talk to your kids about driving hazards while you drive? Do you tell you child that you love them every time they get behind the wheel?  This story is repeated all over the country and you have probably read or heard of similar stories. The first year of their driving experience is the most critical! Please dont let your family become a similar story. The following agreement between parents and teenagers grants teenagers the right to drive.  Establish Family Driving Rules and Consequences Most often a discussion among family members about safe driving and the consequences of not following the rules helps to avoid problems later. We suggest that you talk about driving rules for your family and the consequences of breaking them. Note the consequences below. Getting a ticket Talking on the cell phone while driving Not wearing a seatbelt or passengers not wearing their seatbelt Being involved in an accident Driving under the influence of drugs or alcohol Other violations ________________________ _________________________ Parent signature Teenager signature     Courtesy of DRIVE RIGHT Insurance Services, Inc. 562-594-6541, 800-400-3224, fax: 562-594-0376, www.hdinsure.com This story was copied from msnbc.com A Painful Lesson for One Family: Silver Springs, MD Like a lot of parents, Dr. Arturo Betancourt and his wife, Lulu struggled to strike a balance between protecting their 16 year old daughter Alicia and overprotecting her. Alicia was the kind of child parents never worry about: a bright talented artist and popular girl known for her perpetual smile. Alicia was about as responsible as a 16 year old you could find. So when she asked to go out for ice cream with a 16 year old boy one Friday night, her parents said yes- but they still laid down some strict ground rules: The boy has to pick her up from her house, get out of the car, ask for her and meet her dad. I want to speak to him, Dr. Betancourt told Alicia. He reminded her to avoid distracting him when hes driving. Sometimes she would complain about all the rules, says Alicias mother, Lulu. Rules included a curfew that Alicia always obeyed. But that night she didnt come home on time. The Betancourts began to worry, and finally filled with foreboding, they called the police. The dispatcher told them to stay at home and that two officers were on their way. At that point, I knew that my daughter was dead, says Betancourt Alicia, who was wearing her seatbelt, had been instantly killed in a terrible car crash. Police say the boy lost control of the car. He hit a utility pole and was seriously injured. In the weeks after Alicias death, her father found himself on the internet searching for anything he could find about teenage driving. Among all the information, he learned that teenagers not only have the highest crash and fatality rates of any age group, but 16 year olds specifically, are at the greatest risk. Teenager Parent Driving Contract I, ____________________, do hereby agree with my parents as follows: If they permit to drive the automobile that is registered in their name I do promise: I understand that as far as the law is concerned, my acts are the acts of my parents. I will drive carefully, cautiously, in control and obey the law. I will not allow my car to be driven by anyone who has been drinking any form of intoxicating liquor or has taken any type of illegal drug or any drug that could cause danger to passengers in the car or public. I fully realize the car is not a plaything, but a powerful machine that has the power to kill and injure. I will treat it with respect and not show off with it. I will not drive in excess of the posted speed limit. Even though I may have the right of way, I will slow down and look both ways at intersections. I will not race with other cars, no matter the temptation to do so. I will not drive if I feel sleepy or ill, unless it is truly an emergency. I will obey all signs, street and highway markings, signal lights, and other traffic regulations. I will always wear my seatbelt and will not drive if any passenger refuses to wear their seatbelt. I will pay all traffic fines and agree to just punishment. I will relinquish my drivers license for _____ months if I receive _____ moving violations within the first year of my license. I will pay for any insurance increase because of my driving record. I understand this agreement and give my parents my word of honor that I will do what I have promised above and on the following page. I have promised this in consideration of their permission to drive. My parents, at their discretion, may revoke my privilege to drive if I violate any of these agreements. I understand that the statistics for death and injury are the greatest during the first year of driving. I will not be a statistic. I sign this agreement of my own free will: Signed: ________________________________ Date: ___________ I, parent(s) of __________________________ believe in what my child has promised above and know he/she will do what he/she has promised. On suitable occasions, I hereby grant him/her permission to use the automobile as registered in my/our name. Signed: ________________________________ Date: ___________ Signed: ________________________________ Date: ___________ Every nine seconds, a teen driver is involved in an auto accident. And every 30 minutes, someone dies in a teen-driver accident! Auto crash injuries are a leading cause of death among teenagers, accounting for 40 percent of all deaths of young people age 16-20 Here is the story of 100 teenage drivers: Based on national driving statistics, we can predict that: 37 teenagers will be ticketed for speeding 4 teenagers will be ticketed for driving under the influence of alcohol or drugs 28 teenagers will be involved in accidents where there will be damage to vehicles 13 teenagers will be injured in automobile accidents 1 teenager will be killed in an automobile accident The fact is automobile accidents are the leading killer of teenagers in the country! Will your family end up as one of these statistics? Does This Sound Familiar? Bob and Mary were looking at their bills. Every now and then they tried to prepare a budget. It wasnt easy, but they tried to stay within their budget and tried to manage their money as well as they could. Bob couldnt believe it. He just opened the new insurance bill. Holy Smokes! Are we paying this much for insurance? I knew when Christopher got his license; it was going to go up. But this is crazy! I dont know, Mary sighed. Hes a good driver and a good student. And I cant remember the last time we even had a claim. They were both thinking the same thing, Oh well, well swallow it. 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