Teen Driver Safety.
|
|
- Oliver Bennett
- 8 years ago
- Views:
Transcription
1 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
2 Graduated Licensing Can Help 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 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. An effective way to reduce this toll is graduated licensing. Driving privileges are phased in so 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. 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 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 can establish rules based on the graduated model. What Parents Of Teenagers Can Do 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. For more information, your agent has an excellent guidebook available, Safe Young Drivers/a Guide for Parents and Teens by Phil Berardelli ($15). You can also order the book online at or by calling It may also be special ordered from any bookstore. This book contains lots of diagrams illustrating helpful defensive driving tips and how to s. Contents Know The Facts About Teen Driving 2 Understanding The Rules Of The Road 3 Avoiding Road Rage 4 What Parents Can Do Setting Guidlines With Your Teen 5 Developing A Safe Driver 6 Parents Checklist 7 Driving With Your Teen 8 Driving Skills Checklist 9 Selecting Insurance Coverages 10 Frequently Asked Questions 11 Graduated Licensing Can Help 12 We at Farmers Union Insurance care about our policyholders and want to make sure parents and teens take a few moments to read this brochure together and complete the attached contract. Page
3 Know The Facts About Teen Driving Newly licensed 16-year-olds are the most ill-prepared drivers on the road. They often believe risky driving in familiar situations is not dangerous or that they can cope with any unexpected developments. According to the Insurance Institute for Highway Safety, Fatality Facts 2006: 5,156 teenagers ages died in motor vehicle crashes 62% of teenager passenger deaths occurred in vehicles driven by another teenager 54% of teenager motor vehicle crash deaths occurred on Friday, Saturday or Sunday 34% of teenager motor vehicle deaths occurred between 6 p.m. and midnight 18% of fatally injured teen drivers, ages had blood alcohol concentrations at or above 0.08% Seat belt use reduces the risk of serious or fatal injury to front seat passengers by up to 50% Frequently Asked Questions 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. Q. How many hours should I drive with my teen? A. Safety experts recommend that new drivers receive at least 50 hours of supervised driving 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 together. Behind the wheel training is critical to giving new drivers the experience they need to become better drivers. 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 the worst ( no defensive driving), and they don t look around often enough (poor roadway scanning techniques). Q. Is it important that a teen receives practice driving on an expressway? A. Yes, but he or she should start on slower roads and work up to highway driving. Teens 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 when your teen is ready. 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 Page 11
4 Selecting Insurance Coverages What type of insurance coverage (financial protection) for each type of loss situation? Here s a general description: Type of Coverage Bodily Injury Liability Coverage Property Damage Liability Coverage Medical Payments Coverage Uninsured Motorists Insurance Underinsured Motorists Insurance Collision Coverage Comprehensive Coverage Description of Loss Helps protect a covered driver who is legally liable in a covered accident which results in injury or death to others. Helps protect a covered driver who is legally liable in a covered accident in which another person s property is damaged. Provides coverage if you, covered family members, or your covered passengers receive medical treatment, services, or products for bodily injury caused by a covered accident. Helps protect you, covered family members and your covered passengers who are injured or killed in a covered accident involving a legally liable uninsured driver. (Uninsured Motorists Coverage for property damage is also available in certain states). Helps protect you, covered family members and your covered passengers who are injured or killed in a covered accident involving a legally liable underinsured driver. Provides coverage (less your deductible) for loss to an insured auto due to a covered collision with another vehicle or object. Provides coverage (less your deductible) if your car is stolen or damaged due to a covered non-collision loss, such as falling objects, fire or vandalism. Insurance coverages and discounts provided by your insurance company are always subject to the terms and conditions of your specific policy as well as state statutes and regulations. Understanding The Rules Of The Road Often lack of experience behind the wheel, not age, is what puts teens at greater risk of being involved or dying in a car accident. The more you practice driving, the better you ll be at handling situations on the roads. Here are some ways to help beat the odds: Never let friends drive your car. You could jeopardize your insurance by letting others drive your vehicle. If they have an accident, you could lose money, car privileges, a friendship - even your life. Always wear your seat belt. Buckle up for safety on every trip. If your state has a mandatory seat belt law, you could get a ticket for not wearing one. Know your vehicle. Use features that make it easier and safer for you to operate your vehicle, such as sun visors, door locks and parking brakes. Stay alert and be a defensive driver. Tailgating is a stupid reason to get involved in an accident. Try to keep four seconds of following distance between your car and the vehicle in front of you. Drive sober. Not only are alcohol and drugs illegal, they slow your reactions and distort reality. In fact, they may make you think you re an awesome driver when really you re out of control. Cell phone usage. When you need to use a cell phone, pull safely off the road. Remember, when you are behind the wheel of a car your focus should be on defensive driving, not making phone calls. Chill. Don t get stressed out. Follow traffic safety rules and don t drive faster than you can handle. Watch your speed! Concentrate on driving. Don t blast music, talk on the phone, eat, study, or put on makeup while you re driving! Be careful when driving friends. Driving your friends is a big responsibility. Don t take on that responsibility until you re ready. Use your rear-view mirror. Check traffic before and after you brake, every time. National Highway Traffic Safety Administration Insurance Institute for Highway Safety Page Page 3
5 Avoiding Road Rage Every year, motorists get involved in incidents of violence or hostility including screaming 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. Here are some ways to avoid being a target: Don t make obscene gestures, even if someone makes them at you. Use your horn only when necessary. Driving Skills Checklist Check off the skills your teen has performed several times successfully and confidently. When all the items are checked off, your teen may be ready to get a license. Basic Driving Skills rpre-driving checks and adjustments rstarting, moving and stopping smoothly Driving Conditions rdriving in bright sun rdriving at night Don t switch lanes without signaling. Don t take up more than one parking space. Unless you are disabled, don t park in a space reserved for the disabled. Make sure your door doesn t hit the car parked next to you. Never tailgate. If you are driving slowly, pull over and allow traffic to pass. Avoid stopping in the road to talk to your friends. 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: Remember that driving is not a competitive sport. Help other drivers by using your signal when turning, and stay alert to other drivers by checking your rear-view mirror regularly. Allow plenty of time for each trip, and recognize that getting angry won t clear up a traffic jam. Realize that it s not your job to change others bad habits. You can only control your own attitude. Avoid conflict. If another driver challenges you, take a deep breath and safely get out of the way. rmaking accurate left turns ryielding the right-of-way rbacking up Traffic Skills rchanging lanes rnavigating safely behind other vehicles rrecognizing danger signs/conditions rcommunicating with other drivers radjusting speed and position rpassing on highways rdriving in rain or snow rdriving in fog rdriving in traffic Turning rthree-point turns rturning around by pulling into a driveway rturning around by backing into a driveway ru-turns Parking rperpendicular parking rangle parking rbacking into a parking space rparallel parking Page Page 9
6 Driving With Your Teen Give your teen opportunities to practice what he or she has learned in driver education, and encourage safe habits and skills. Supervised practice over an extended period of time makes teenagers better, safer drivers. That s why it s important for you to spend time in the car with your teen behind the wheel. While Planning A Driving Session Choose routes that require your teen to practice different skills. Don t just drive to and from the same place every week. This will not adequately prepare your teen to be a skilled driver. Take your teen driving under as many different conditions as possible. To become safe drivers, teenagers need practice responding to changing weather, visibility, traffic volume and road conditions. Before Starting The Car Reveiw the route you ll take, the skills you want to work on, and the goals for the lessons. See if your teen can explain how to perform the skills he or she will be practicing. Adjust the right outside mirror for your use while your teen is driving. Also, adjust the vanity mirror on the passenger sun visor so you can use it as a rear-view mirror. While Your Teen Is Driving Use a calm tone of voice. 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 situation may be too hard to handle, or he or she may be getting tired. 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. If Your Teen Does Something Wrong Ask him or her safely to move the car off the road and then discuss the mistakes calmly. After Practicing Go over the session together. Give your teen a chance to point out his or her mistakes before you do. Give positive feedback for what he or she did correctly. Also mention how your teen can improve. What Parents Can Do Setting Guidelines With Your Teen Supervise Driving Lots of supervised driving experience is the key here. It s crucial 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 driving in a wide variety of situations spread over at least six months. Give learners time to work up to challenges like driving in heavy traffic or on the freeway. Continue these sessions even after your teen graduates to a restricted or full license. Restrict Night Driving Outings at night tend to be recreational. In these circumstances, even teens who usually follow all the rules can be easily distracted or encouraged to take risks. Restrict Passengers Young drivers often want to transport their friends, but won t drive the same way with their peers 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 policy is to restrict teen passengers, especially multiple teens, all the time. Require Safety Belt Use 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. Prohibit Driving After Drinking 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. 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 will reduce their chances of a crash and offer protection in case they do crash. Avoid cars with performance images that might encourage speeding. Also avoid trucks and SUVs the smaller ones, especially, are more prone to roll over. Establish and Enforce a House Curfew Find out from the police if your town has a curfew for minors. If not, set your own curfew. Set Geographic Driving Limits If your teen plans to travel outside your geographic area, require that he or she request special permission. Page Page 5
7 Developing A Safe Driver 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 the price is steep. Crashes are the leading cause of death among American teens. 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 gradually be lifted. Parents, once your teen is licensed, your job is far from over. That s when it s time to kick into surveillance mode. Keep your eyes peeled and your ears open. What you see and hear and how you respond to it could save your child s life. Setting a good example when you drive. It is much more likely that your teen will drive calmly and courteously, use a seat belt, pull safely off the road to use the cell phone, and obey the speed limit if you do. Working with your teen s driver education instructor. Find out how your teenager is performing in class and which skills he or she needs to work on. Ask for a copy of the driver education curriculum. Providing a safe car to practice in. Take your teen along for 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. Parents Checklist Know your child s traveling companions and monitor your child s comings and goings. Talk to your teen driver frequently about the risks and inherent dangers of operating a motor vehicle with anything less than 100 percent concentration. Insist your teen not operate a car after drinking and refuese to ride with a driver who has been drinking-even a little bit. Make yourself available for emergency pick-ups. Maintain a safe vehicle for your teen driver. Periodically inspect the tires, brakes, belts and hoses and other systems that can affect the safety or dependability of the vehicle. Be a passenger with your teen. Frequent ride-alongs are the best way to keep tabs on a teen driver s progress. Bad habits can crop up any time but are especially prevalent in the beginning years of driving. As much as you may want to, it s best not to overreact or criticize your teen s driving while on the road. Wait until you get home. Studies show that an emotionally charged conversation reduces attention span and increases distraction. If your young driver does something wrong, make a mental note to discuss it when you get home. Have your teen share costs. Driving is a privilege, not a right, so consider having your 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 into better driving skills. 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. Page Page 7
TEENS. b e h i n d t h e WHEEL
TEENS b e h i n d t h e WHEEL BUILDING understanding B E T W E E N parents and teens Blue River dear TEENS & PARENTS Turning over the keys to the family car can be a stressful time for any parent. That
More informationYoung Drivers The High-Risk Years
Chubb Personal Insurance (CPI) is the personal lines property and casualty strategic business unit of Chubb & Son, a division of Federal Insurance Company, as manager and/or agent for the insurers of the
More informationDOT HS 810 651 2006 1005 N.
www.iihs.org Beginning Drivers Crashes Differ Teen drivers have the highest crash risk of any age group. Per mile traveled, they have the highest involvement rates in crashes, from crashes involving property
More informationGET IT IN WRITING. PARENTS ARE THE KEY TO SAFE TEEN DRIVING. LEARN HOW.
GET IT IN WRITING. Don t just talk about safe driving; set your family s own driving rules and get your teen to agree to them in writing through a Parent-Teen Driving Agreement. Put a copy of your agreement
More informationGEICO produced DVD REAL TEEN DRIVING. 4 real teens in real driving situations in-car cameras no scripts it s all very, very real
GEICO is: proud to be the nation s fastest growing auto insurer proud to serve more than 10 million policyholders proud to help spread the message on safe driving to new drivers and their families GEICO
More informationWhy are Teens at Risk? Teens are more likely to be involved in a crash than other drivers. Teen drivers:
T E EN DRIVI NG Learning to drive is a major milestone in a teen s life, bringing increased freedom and independence. However, teens who drive also face an increased risk of getting seriously injured
More informationJUVENILES BEHIND THE WHEEL LAWS FOR YOUNG DRIVERS
JUVENILES BEHIND THE WHEEL LAWS FOR YOUNG DRIVERS Mara Dudley Llano Municipal Court Where Are We Going? Identify relevant statutes applicable to young drivers Discuss the need for restrictive laws on young
More informationMetLife Auto & Home. Driver Improvement Course Discount
MetLife Auto & Home Driver Improvement Course Discount We re Ready to Hit the Road to Safety and Savings! Although safer vehicles and highway designs may save lives, even transportation safety engineers
More informationSteer Clear. Driver s. Program. Safety Awareness Program by State Farm
Steer Clear Driver s Program Safety Awareness Program by State Farm Parent/Driver Agreement As a parent/guardian, I will: Try to remember that I was a new driver once too. Be fair and reasonable in my
More informationSafety-conscious Drivers Prevent Crashes. Defensive Driving: Managing Visibility, Time and Space. Improve Your Defensive Driving Skills
Defensive Driving: Managing Visibility, Time and Space Motor vehicle travel is the primary means of travel in the United States. With all the benefits that come along with mobility, there are thousands
More information20 Tips for Safe Driving
20 Tips for Safe Driving www.libertymutualinsurance.com Liberty Mutual 20 Tips What s Your Driving Skill Level? As you can see, this national survey 1 found that drivers rated themselves highly. The tendency
More informationBack to School Car Safety. Direct Buy Warranty Staff September 19, 2014
Back to School Car Safety Direct Buy Warranty Staff September 19, 2014 It s back to school season, and that means kids are picking out new clothes, putting on their backpacks, and hitting the road to get
More informationFacilitator s Guide How much do you know?
Facilitator s Guide How much do you know? Table of Contents I. Table of Contents Page 1 II. Letter from The Century Council President & CEO Page 3 III. IKnowEverything Program Overview Page 5 IV. Suggested
More information20 Tips for Safe Driving
Helping People Live Safer, More Secure Lives Since 1912 Thank you for considering Liberty Mutual for your insurance needs. As one of the leading providers of auto, home and life insurance in the United
More informationUSING THE MOBILE PHONE WHILE DRIVING. Using a mobile phone while driving can significantly impair a driver s:
USING THE MOBILE PHONE WHILE DRIVING Is it dangerous to use the phone while driving? Driving is a complex task, requiring drivers to use and coordinate a number of skills. Any lapse in concentration increases
More informationSAMPLE VEHICLE FLEET SAFETY & USAGE POLICY
SAMPLE VEHICLE FLEET SAFETY & USAGE POLICY Policy The purpose of this policy is to ensure the safety of those individuals who drive company vehicles and to provide guidance on the proper use of company
More informationTips for Safer Driving
Fleet Management Fleet Management Introduction Improvements in technology will continue to help bring auto accident numbers down, but the bottom line remains that most car accidents are the result of human
More informationDEFENSIVE DRIVING. It s an Attitude
DEFENSIVE DRIVING It s an Attitude RLI Design Professionals Design Professionals Learning Event DPLE 155 July 15, 2015 RLI Design Professionals RLI Design Professionals is a Registered Provider with The
More informationDRIVE TO STAY ALIVE END DISTRACTED DRIVING
DRIVE TO STAY ALIVE END DISTRACTED DRIVING Presented by: DRIVE TO STAY ALIVE End Distracted Driving Table of Contents FOUR KEY DRIVING SKILLS page 2 STATISTICALLY SPEAKING page 3 ALL ABOUT DISTRACTED DRIVING
More informationAll About Auto Insurance
All About Auto Insurance The legal responsibility involved when you are in a car accident is extraordinary. Basically, if you hurt someone else while driving, there s no limit to the amount he or she can
More informationDRIVING CONTRACT FOR NEW DRIVERS AND THEIR PARENTS A Message to Teenagers and Their Parents Concerning Safe Driving in Maine
DRIVING CONTRACT FOR NEW DRIVERS AND THEIR PARENTS A Message to Teenagers and Their Parents Concerning Safe Driving in Maine While obtaining a driver's license is the dream of most teenagers, it can lead
More informationMODERN DRIVING HAZARDS: ROAD RAGE, CELL PHONES & OTHER DANGERS
MODERN DRIVING HAZARDS: ROAD RAGE, CELL PHONES & OTHER DANGERS This easy-to-use Leaders Guide is provided to assist in conducting a successful presentation. Featured are: INTRODUCTION: A brief description
More informationPreparing your teen for the road ahead.
Preparing your teen for the road ahead. Helpful tips for safe driving. CONGRATULATIONS Your teenager will soon be driving a major milestone for both of you. You and your teen may be experiencing all kinds
More informationSlide Show Notes Whether you drive on the job or just commute to work by car, you re in danger on the road unless you drive defensively.
Whether you drive on the job or just commute to work by car, you re in danger on the road unless you drive defensively. Motor vehicle accidents are the number one cause of accidental death in the United
More informationLevel 2 Award in Safe Driving at Work
Level 2 Award in Safe Driving at Work Student notes (sample) www.britsafe.org Membership Training Qualifications Audit and Consultancy Audit and Policy Consultancy and Opinion Policy Awards and Opinion
More informationWhen Your Teen. Driver s Seat. A Guide for Parents. What else should you know?
When Your Teen IS IN THE Driver s Seat What else should you know? Visit www.coteendriver.com up-to-date inmation on teen driving laws and links to other resources, such as insurance inmation, driving schools
More informationteen drivers BEGINNING INSURANCE INSTITUTE FOR HIGHWAY SAFETY
teen BEGINNING drivers INSURANCE INSTITUTE FOR HIGHWAY SAFETY BEGINNING DRIVERS AND CRASH RISK Getting a license is an important milestone for teens and parents, but being a beginning driver carries special
More informationAHIS Road safety project Student Council THINK!
AHIS Road safety project Student Council 2013 THINK! Today, we drive safer cars on safer roads; decades of advertisements and public information campaigns have made most of us safer drivers. Improvements
More informationDrinking, Drugs & Health
Chapter 6 Drinking, Drugs & Health Drinking, Drugs & Health 103 104 104 106 106 107 107 108 Effects of Alcohol How Much is Too Much? Drinking and Driving Good Hosts and the Drinking Driver Designated Drivers
More informationDriver Certification
Driver Certification Environmental Health & Safety/Risk Management Department of Campus Operations 300 College Park Dayton, Ohio 45469-2904 937-229-4503 Agenda: Part I: Review of UD Driver Certification
More informationAuto Insurance for New Mexico s Young Drivers
Auto Insurance for New Mexico s Young Drivers Prepared for New Mexico s Young Drivers and Their Parents by: One of the major events in many people s lives is earning the privilege of driving a motor vehicle.
More informationThe Risks and Solutions... for Families with Teen Drivers
The Risks and Solutions... for Families with Teen Drivers When we bring our babies home from the hospital, we are very concerned about their survival. They are precious to us. We become super- sensitive
More informationTeaching Your Teen to Drive
MetLife Auto & Home Teaching Your Teen to Drive Without driving each other crazy! Dear Parent/Guardian, One of the best ways for you to influence your teen s driving habits is to sit in the copilot seat
More informationTeen Drivers. Honest Talk. Real Solutions.
Teen Drivers. Honest Talk. Real Solutions. A Handbook for Parents Provided through an alliance between State Farm and The Children s Hospital of Philadelphia statefarm.com Traffic crashes No. 1 killer
More informationFMCSA Webinar Nov.18th to Examine Large Truck Crash Fatalities Involving Pedestrians & Bicyclists. New Technology for Better Fleet Management
In This Issue: FMCSA Webinar Nov.18th to Examine Large Truck Crash Fatalities Involving Pedestrians & Bicyclists Help Prevent Roadway Accidents involving Pedestrians How to Steer Clear of Accidents with
More informationAUTO INSURANCE: A CONSUMER GUIDE FOR TEEN & YOUNG ADULT DRIVERS
MARTIN O MALLEY Governor ANTHONY G. BROWN Lt. Governor PEGGY J. WATSON Interim Commissioner JAMES V. MCMAHAN, III Deputy Commissioner 525 St. Paul Place, Baltimore, Maryland 21202-2272 1-800-492-6116 TTY:
More informationAtlanta, Georgia Road Test
1. When driving your car Into traffic from a parked position, you should: A. Sound your horn and pull Into the other lane. B. Signal and proceed when safe. C. Signal other traffic and pull directly into
More informationteen drivers BEGINNING insurance institute for highway safety iihs.org iihs.org/rss youtube.com/iihs @IIHS_autosafety m.iihs.org
1005 N Glebe Road Arlington, VA 22201 USA IIHS 703/247-1500 HLDI 703/247-1600 iihs.org iihs.org/rss youtube.com/iihs @IIHS_autosafety m.iihs.org teen BEGINNING drivers MeMber groups Acceptance Insurance
More informationCode of Conduct for Commercial Drivers
Code of Conduct for Commercial Drivers RoadDriver 2011 Safe Use of Vehicles Watch your Speed Drive within the speed limit at all times. You should drive at speeds that are safe for the conditions, recognising
More informationTeen Drivers and Passengers: The Role of Parents A Guide For Parents
Teen Drivers and Passengers: The Role of Parents A Guide For Parents Table of Contents Introduction Why Parents Matter Assess Your Role The Facts Why Your Teen is a Risk The Role of Parents: Quick Tips
More informationThe Growing Epidemic of Cell Phone Use While Driving. Participant Guide
The Growing Epidemic of Cell Phone Use While Driving Participant Guide Disclaimer Although the information and recommendations contained in this publication have been compiled from sources believed to
More information15-Passenger Van Safety Awareness Program. Environmental Health & Safety Department 570-662-4906
15-Passenger Van Safety Awareness Program Environmental Health & Safety Department 570-662-4906 Course Objective The objective of this presentation is to increase the safety awareness of passenger van
More informationModel Fleet Safety Program Short
TM Model Fleet Safety Program Short CORPORATE HEADQUARTERS 518 EAST BROAD STREET COLUMBUS, OHIO 43215 614.464.5000 STATEAUTO.COM TM Disclaimer: The information contained in this publication was obtained
More informationDrive To Stay Alive. End Distracted Driving
Drive To Stay Alive End Distracted Driving Drive To Stay Alive Making You A Safer Driver Introduction Table of Contents FOUR KEY DRIVING SKILLS page 2 STATISTICALLY SPEAKING page 3 ALL ABOUT DISTRACTED
More informationGoing SoloTM. A resource for parents of P-plate drivers
Going SoloTM A resource for parents of P-plate drivers P Going Solo a resource for parents of P-plate drivers, has been produced by the Monash University Accident Research Centre (MUARC) with the support
More informationDEADLY DRIVING DISTRACTIONS: Texting, Cell Phones, and Other Killers
Instructor s Guide : Texting, Cell Phones, and Other Killers According to insurance statistics, distracted drivers are responsible for almost 80 percent of all car crashes and 65 percent of near-collisions
More informationCONGRATULATIONS! YOU HAVE YOUR G1
CONGRATULATIONS! YOU HAVE YOUR G1 Exciting times for you. Nervous times for your parents but it doesn t have to be. Driving a car is one of the biggest responsibilities you will ever undertake. One mistake
More informationBicycle Safety Enforcement Action Guidelines
Introduction Bicycle Safety Enforcement Action Guidelines People ride bicycles for many different reasons: fitness, recreation, or for transportation. Regardless of the reason for riding, bicyclists young
More information12 & 15- Passenger Van Defensive Driver Training
12 & 15- Passenger Van Defensive Driver Training NHTS-national Highway Traffic Safety Administration Recognizes that 12-15 passenger vans (include driver) are similar type vehicle and offer the same hazards
More informationGuide. Crease Lines. Perf Line 6.85. accident EXTRA PANEL NOT NEEDED. Parent-Teen Contract Preparing your teen for the road ahead
Printed Side outside view 18 3 9/16 3 5/8 9/ 16 3 7/8 3 7/8 3 5/8 What to do if you re in an accident Stop! If you leave the site of an accident, you could be Road Ahead charged with a hit and run regardless
More informationHelp your teen head down the right road
Teen Safe Driving COACHING TIPS FOR PARENTS OF TEEN DRIVERS Help your teen head down the right road Car crashes are the No. 1 killer of teens in America causing far more teen deaths than drugs, illness,
More informationExecutive Summary ABI.ORG.UK. Association of British Insurers 51 Gresham Street London EC2V 7HQ Telephone 020 7600 3333
Association of British Insurers response to the Northern Ireland Assembly Environment Committee s Consultation on The Road Traffic (Amendment Bill) About the ABI 1.1 The Association of British Insurers
More informationParents of Teen Drivers with AD/HD: Proceed with Caution
Parents of Teen Drivers with AD/HD: Proceed with Caution Of all the health risks to young people diseases, drug over-doses, homicides, suicides none is as likely to cause serious injury or even death than
More informationHow To Avoid Drowsy Driving
How To Avoid Drowsy Driving AAA Foundation for Traffic Safety Sleepiness and Driving Don t Mix Feeling sleepy is especially dangerous when you are driving. Sleepiness slows your reaction time, decreases
More informationNew Driver & Coach Practice Guide
New Driver & Coach Practice Guide Welcome to Driving in Maryland Dear Coach and Rookie Driver: For the Rookie Driver: Congratulations. In getting your Learner s Instructional Permit, you have just completed
More informationThe. Graduated Licensing. System in Ontario. What s NEW! Increasing penalties for not following licence conditions
The Graduated Licensing System in Ontario What s NEW! Graduated Licensing Increasing penalties for not following licence conditions Fully licensed drivers Zero alcohol condition for all drivers 21 and
More informationBicycle Safety Quiz Answers Parental Responsibilities
Bicycle riding is a great way to get into shape and enjoy the outdoors. To remain safe on Illinois roads, it is important to follow the same traffic safety laws that govern vehicle drivers. No amount of
More informationDriving Above the Influence. Parenting Tips to Prevent Teen Drunk & Drugged Driving
Driving Above the Influence Parenting Tips to Prevent Teen Drunk & Drugged Driving Objectives To understand the unique factors that make a teen vulnerable on the road. To learn statistics regarding risk
More informationGoing SoloTM. A resource for parents and restricted licence drivers
Going SoloTM A resource for parents and restricted licence drivers Going Solo A resource for parents and restricted licence drivers, was produced by the New Zealand AA Driver Education Foundation, in partnership
More informationThe facts about mobile phones and driving
The facts about mobile phones and driving The facts about mobile phones and driving 1 Use of mobile phones while driving policy Employee safety, health and wellbeing is of the highest importance to us.
More informationBicycle riding is a great way to get into shape
Bicycle riding is a great way to get into shape and have fun. To remain safe on Illinois roads, it is important to follow the same traffic safety laws that govern vehicle drivers. No amount of bicycle
More informationDefensive Driving While Towing a Trailer By Elizabeth Koncki, Maryland Department of Agriculture
Defensive Driving While Towing a Trailer By Elizabeth Koncki, Maryland Department of Agriculture Many of you have heard the term defensive driving, but maybe you may have not been taught the method or
More informationNEFE High School Financial Planning Program Unit 6 Your Money: Keeping it Safe and Secure. Unit 6 - Insurance: Protecting What You Have
Unit 6 - Insurance: Protecting What You Have Common Exposures to Loss Exposure Risk Potential Loss Accident or Illness Loss of income from inability to work; uninsured medical bills; death UNLIMITED Property
More information1-800-927-4357. www.insurance.ca.gov. Automobile. Insurance. California Department of Insurance
1-800-927-4357 www.insurance.ca.gov Automobile Insurance California Department of Insurance Table of Contents Page 2 Introduction to Auto Insurance 4 Auto Insurance Costs 6 Liability Coverage and California
More informationTRUCK SMART DRIVER EDUCATION LESSON PLAN
TRUCK SMART DRIVER EDUCATION LESSON PLAN CONTENTS Introduction............. pg 1 No-Zones............... pg 2 Learning Objective: Students should understand that semi trucks and buses have very large
More informationWHAT SHOULD I DO IF I HAVE AN AUTO ACCIDENT? 1. If I have an auto accident, do I have to stop? 2. What should I do if someone is injured?
WHAT SHOULD I DO IF I HAVE AN AUTO ACCIDENT? 1. If I have an auto accident, do I have to stop? 2. What should I do if someone is injured? 3. How can I get help? 4. What information should I gather at the
More informationA Guide to Safe Bicycling in Hawai i
A Guide to Safe Bicycling in Hawai i Sharing the Road: A Guide to Safe Bicycling in Hawai i What Motorists & Bicyclists Should Know Everyone has the right to be safe on Hawai i s roads. Law of the Splintered
More informationWhat is a definition of insurance?
What is a definition of insurance? A system of protection against loss in which a number of individuals agree to pay certain sums for a guarantee that they will be compensated for a specific loss. Every
More informationThink Before You Drive is a global road safety initiative of the FIA Foundation, Bridgestone Corporation and motoring clubs worldwide. FIA Foundation for the Automobile and Society www.fiafoundation.com
More informationAutomobile Insurance Grade Level 9-12
Automobile Insurance Grade Level 9-12 Take Charge of Your Finances Materials provided by: Cynthia Barnes, Family and Consumer Sciences Educator, Beaverhead County High School, Dillon, Montana Time to complete:
More informationWelcome! Phone: 720.261.8591 Web site: topcopsdrivingschool.com Email: topcopsds@gmail.com. Instructor: Sgt. Matt Cabot
Welcome! Instructions: please fill out your half sheet with your student s legal name as it appears on their birth certificate- also use the address of the parent that will take them to the DMV to get
More informationNEW DRIVERS HOW TO TAKE THE ON-THE-ROAD SKILLS TEST. KELLY MANNING: Welcome to DMV Infocast, an audio production of the
NEW DRIVERS HOW TO TAKE THE ON-THE-ROAD SKILLS TEST KELLY MANNING: Welcome to DMV Infocast, an audio production of the Connecticut Department of Motor Vehicles. This is Kelly Manning, Infocast Editor.
More informationThe Older And Wiser Driver
The Older And Wiser Driver AAA Foundation for Traffic Safety Sharpening Your Driving Skills Aging is inevitable, but growing older doesn t have to mean giving up an active life. While aging does impose
More informationHow To Get Auto Insurance In Texas
Consumer Decision Making Contest 2001-2002 Study Guide Auto Insurance (Editor s Note: The terms, auto insurance and car will be used throughout the guide and apply to all types of motor vehicles: cars,
More informationINSTRUCTOR S GUIDE. Stay on the Right Track Highway-Railway Crossing Awareness Training for Newly Licensed Drivers
INSTRUCTOR S GUIDE Stay on the Right Track Highway-Railway Crossing Awareness Training for Newly Licensed Drivers WHAT WE DO Operation Lifesaver is a nationwide, non-profit public information and education
More informationManaging risk. Alcohol and drugs 51 Speed 52 Mobile phones and other electronic devices 53
Alcohol and drugs 51 Speed 52 Mobile phones and other electronic devices 53 Passengers 55 Other distractions 56 Fatigue 57 Seatbelts 58 Vehicle safety 59 Vehicle maintenance 59 Keys to reducing your risk
More informationLook Who s Driving Now. A Parent s Guide to Graduated Driver Licensing
Look Who s Driving Now A Parent s Guide to Graduated Driver Licensing Welcome Introduction what to expect from this session The driver education course Level 1, Level 2 and Level 3 licenses Coaching tips
More informationLicense To Survive. Presented by: Jim Jensen Douglas County Sheriff s Office
License To Survive Presented by: Jim Jensen Douglas County Sheriff s Office South Metro Safety Foundation South Metro Fire Rescue Authority Sponsorship by State Farm Insurance Overall Goals of Program
More informationDocument Name: Driving Skills. Purpose: To outline necessary driving skills required to maximize driving safety.
Document Name: Driving Skills Date Created: 8 October 2013 Date Reviewed: 4 February 2014 Date Approved: 29 July 2015 Purpose: To outline necessary driving skills required to maximize driving safety. Overview:
More informationTEST ON Driving Safely Among Bicyclists and Pedestrians
TEST ON Driving Safely Among Bicyclists and Pedestrians Next you will take a 16 question test about driving safely among bicyclists and pedestrians. Please take out a sheet of paper to mark down and score
More informationAUTO INSURANCE OUR MISSION IS YOU. AUTOMOBILE INSURANCE. www.afi.org
AUTO INSURANCE OUR MISSION IS YOU. AUTOMOBILE INSURANCE www.afi.org Our Mission Like those who serve our nation, AFI is dedicated to delivering protection and peace of mind. Our unwavering commitment to
More informationTEACHING YOUR TEEN TO DRIVE
TEACHING YOUR TEEN TO DRIVE A Handbook for Parents Virginia Department of Motor Vehicles 2300 West Broad Street Post Office Box 27412 Richmond, VA 23269-0001 (804) 367-0538 Dear Parents: Thank you for
More informationu n i t s i x Insurance: Your Protection Could you afford to pay for the damages you
Unit Six Insurance: Your Protection You're healthy, young, vivacious, and happy. Why in the world would you need insurance? You know the guy who was hit while riding his motorcycle or the girl who broke
More informationAuto insurance Teacher guide
Auto insurance Teacher guide Tell your students they will learn about auto insurance. Explain that learning about auto insurance is important because if they're driving, they need it or may already have
More informationStrategic Highway Safety Plan
SAFETY CULTURE CONNECTION INSIDE Motorcycles Crashes Aren t Accidents What s Trending Buckle Up Nevada! Your Decision, but Who Pays? 1 2 3 4 5 Always Buckle Up Don t Drive Impaired Focus on the Road Stop
More informationSome of the choices you make can influence what you pay for insurance. Let's look at few of these factors:
Objectives: 1. To understand and learn about the factors that affect the cost of auto insurance 2. To learn ways teens can lower their cost for auto insurance 3. To provide an interactive segment allowing
More informationWHAT SHOULD I DO IF I HAVE AN AUTO ACCIDENT? GET THE L E G A L F A C T S
T H E S TAT E B A R O F C A L I F O R N I A WHAT SHOULD I DO IF I HAVE AN AUTO ACCIDENT? GET THE L E G A L F A C T S O F L I F E What should I do if I have an 1 a u t o a c c i d e n t? If I have an auto
More informationAuto Insurance? Why do I need automobile insurance? Questions piling up on. What does my auto policy cover? Here's help
Questions piling up on Auto Insurance? Why do I need automobile insurance? First, it s the law. Illinois law requires all motor vehicle owners to have certain auto insurance coverages. There may be others
More informationConnecticut Parent Overview Guide WELCOMING YOUR. New Driver SAFETY SECURITY SERVICE
Connecticut Parent Overview Guide WELCOMING YOUR New Driver SAFETY SECURITY SERVICE ARE YOU READY FOR THIS? YYesterday, you were putting them on the school bus. Today, you are handing over the car keys.
More informationInformation your teenagers need about drink driving. Okay
Information your teenagers need about drink driving Okay they don t talk to strangers, they look before they cross the road and they know about safe sex. Now your teenagers need to know about drink driving.
More informationWhat Every Driver Must Know Review Assignment
What Every Driver Must Know Review Assignment 1. Who is the Michigan Secretary of State? What services does the Secretary of State office offer? What days and hours is your local Secretary of State branch
More informationTEACHER GUIDE 11.2 RISK MANAGEMENT AND INSURANCE PAGE 1
TEACHER GUIDE 11.2 RISK MANAGEMENT AND INSURANCE PAGE 1 Standard 11: The student will describe and explain how various types of insurance can be used to manage risk. Different Types of Insurance Priority
More informationTalking Points. About Roadway Users
General facts regarding the driver: Talking Points About Roadway Users Motor vehicle crashes are the leading cause of death in the U.S. for people ages 6-33. They annually account for more than 1 million
More informationauto insurance protecting your dreams
auto insurance protecting your dreams Every day your car takes you from Point to Point and points in between. You re headed somewhere school, work, or to pick up some groceries. Visiting friends, a weekend
More informationso your teen wants a car?
resources Following is information about several resources cited in this brochure. AAA encourages parents and teens to take advantage of them as they shop for a vehicle and work together through the learningto-drive
More informationFashion Institute of Technology OPERATIONAL SERVICES
Fashion Institute of Technology OPERATIONAL SERVICES Motor Vehicle Use Manual 2010 Table of Contents 1. Introduction............................................. 1 1.1 Purpose and Application of Manual..........................
More informationDistractions in Everyday Driving. AAA Foundation for Traffic Safety
Distractions in Everyday Driving AAA Foundation for Traffic Safety Did you know that Americans spend about one hour and 15 minutes in their vehicles every day? Unfortunately, people often treat this as
More informationJenny from Minnesota tells her story:
Jenny from Minnesota tells her story: Jenny from Minnesota tells her story: In the spring of 1998, I was in a car accident where I was going too fast on a gravel road and ended up wrapping my car around
More informationThe Price You ll Pay...
The Price You ll Pay... DUI in North Dakota December 2012 DL1212 Ten Tips to Save Your Life Always plan ahead. If you wait until you start drinking to figure out how you ll get home, it s too late. Designate
More informationCONTACTS & WORKING HOURS
MOTOR INSURANCE CONTACTS & WORKING HOURS Head office BNH Tower, Seef District P.O. Box 843, Manama, Kingdom of Bahrain Tel.: 17587444, Fax: 17583477 E-mail: motor@bnhgroup.com Website: www.bnidirect.com
More information