How to help your teen be a better driver

As Robin Thompson left her job as a school nurse in Atlanta, Ga., she waited for the customary call from her 16-year-old daughter, Ashley, telling her she was home from school.

The call never came.

“As I neared our home I saw a road block. Police and rescue workers were everywhere and a car that looked all too familiar was wrapped around a tree,” Robin Thompson wrote on the website SafeTeenDrivingClub.org. She founded the organization after Ashley’s 2003 death in a single-car accident that did not involve drinking or distractions from friends or a cell phone. “In a split second, on a sunny June afternoon, my world as I knew it ended.”

Almost 14 young people die in preventable car crashes every day–or 5,000 a year–and another 300,000 teens are injured in auto accidents–or 822 daily–according to Allstate Insurance Company. Automobile accidents are the leading cause of death among U.S. teens, leading to more than 30 percent of all deaths in that age group, according to the Centers for Disease Control and Prevention.

Major risks

Researchers at the Insurance Institute for Highway Safety (IIHS), the Teens in the Driver Seat Program administered through the Texas Transportation Institute, car insurers and other safety groups have spent decades studying teen auto accidents to determine what puts teen drivers at risk. Surprisingly, drinking and driving is not at the top of the list. Those that are include:

Graduated teen driving

Almost 30 states now have some form of “graduated teen driving laws,” which limit the types of driving a teen can do initially and gradually introduces them as the driver gains experience and maturity. These can include:

  1. A minimum age of 16 to obtain a learner’s permit
  2. A minimum learner’s permit period of six months and parental certification that a teen has at least 30-to-50 hours of supervised driving
  3. An intermediate driver’s license stage until at least age 18 that includes both night driving teen passenger restrictions

Such restrictions appear to work; for example, accidents involving teen drivers transporting other teens dropped 41 percent between 1996–when graduated licensing laws limiting the number of passengers began being adopted–and 2005, according to a 2007 IIHS report. Fatal crashes involving 16-year-old drivers fell 24 percent, and nighttime fatal crashes dropped 48 percent. How does your state rate? Access an IIHS list of state graduated licensing laws and their ratings.

The District of Columbia and 28 states ban (or will by July 1, 2010) cell phone use by novice drivers, while seven (California, Connecticut, Maryland, New Jersey, New York, Oregon and Washington), Washington, D.C., and the U.S. Virgin Islands prohibit all drivers from using hand-held cell phones while driving, according to the Governors’ Highway Safety Association (GHSA). Guam, Washington, D.C. and 28 states ban text messaging for all drivers. Other states are considering “distracted driving laws.” Real-time updates about such legislation are at the GHSA website.

Parents should be role models and enforcers

Regardless of the state’s laws, experts recommend parents delay allowing teens to get their full licenses until at least age 17–despite the pushback they likely will get from their child.

Parents should also practice safe driving as well. In fact, if a parent’s own driving record is spotty, it is likely to have an effect on teen driving behavior. The IIHS found that teens whose parents have crashed their cars also are likely to have auto accidents. The more accidents a parent has, the greater the likelihood the teen will be involved in a collision.

Peer programs are effective

The Teens in the Driver Seat Program is a peer-to-peer program now in 350 Texas schools and four other states. “We saw a big void in terms of the peer influence element because kids listen to their friends more than to their parents,” Fette said. The program has seen accidents drop in areas where it’s been implemented. For example, in the Dallas suburb of Garland, where the program has been in place since 2006, teen auto accidents have dropped by almost one-half.

Practical advice

“Teens are teens, and you can hammer in all kinds of safety messages, but that’s not what they’re thinking about when they’re riding around with their friends on a Saturday night,” said Russ Rader with the IIHS. “Still, there are things parents can do to reduce risks for their teens.” State Farm, IIHS and other insurers and safe driving organizations recommend parents commit to the following:

“We’re talking about the number one killer of young people nationwide,” Fette said. “This problem is too large for any one solution.”

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August 25, 2010 • Posted in: Auto Insurance

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