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Getting into an accident is an extremely stressful situation and something we would prefer avoiding entirely. Unfortunately, accidents happen and Breckles Insurance Brokers has some good tips to keep you safe if you're involved in one.
This article is intended to give parents some ideas about introducing driving and helping their kids build the necessary responsibility to be safe drivers on the road.
Something we can all agree on is that parenting is a life long commitment regardless of your kid’s age. One of the most important jobs of being a parent is helping your kids become responsible and mature members of society – especially when it comes to driving. Most can agree that the late teenage years is the most sensitive time for both parents and kids. Late teens becoming new driver is commonly one of those sensitive moments, and its important to reach out for some advice on how to manage this.
We have a few tips we can share but would first like to start off with a baseline discussion around the value of money and the expense challenges associated to driving. Studies have shown a direct correlation to responsible spenders and responsible drivers. As brokers at Breckles Insurance, we often see teenagers gifted with cars and parents covering expenses from A-Z. This often seems to be problematic due to the fact that teenagers, at sensitive stage in life are not able to take on their first (and most important) financial challenge in life. Without understanding the high expense of vehicle ownership and insurance responsibilities, we often see a trend towards poor driving and insurance history. We recommend that parents partner with their kids and embrace this stage as a life learning skill that will help everyone down the road – no pun intended. Due to this problem that we see happening more and more, we have come up with some suggestions for new teenage drivers.
Now that it’s the season to start buying backpacks and school is back in session, traffic is only going to get worse. What better time than now to take a glance at road safety!?
Here are some quick tips to remember for this fall season!
Keeping your eyes on the road and staying focused will most often bring you to your destination safely. Unfortunately, our daily commute is fraught with too many temptations to take your eyes off the road. Distracted driving is the leading cause of car accidents and you increase your odds of getting into an accident every time you take your eyes off the road. A small mistake like checking your phone while driving could change your life, and potentially others, for the worst. If you’re lucky enough to avoid an accident you could still be pulled over by the police for driving distracted.
You could probably imagine the life changing impact of getting into an accident. We see it all the time – media reporting on tragic car accidents that we often say could have been avoided. However, we don’t know what happens to drivers that are fortunate enough to avoid accidents but instead get pulled over by the police for distracted driving. This is something that does not make media headlines but could have a serious impact on your driving abstract.
When it comes to insurance, tickets are used to determine your insurance rates and eligibility. Depending on the ticket, you might have to pay a bit more for insurance or might not meet the eligibility criteria and forced into expensive high risk insurance.
There are three levels of insurance – minor, major and serious. Being charged for distracted driving is major conviction and will definitely have an impact on your insurance. Depending on your insurance history, a major conviction will often trigger an insurance surcharge for three years and could often put you into high risk insurance which is approximately $2000 more annually. Over a three-year period this could cost you $6000 in high risk insurance just because you picked up the phone while you were driving. Not fair? Well consider the alternative, picking up the phone while driving runs the risk of an accident that could cause significant loss to you and others around you. The average car accident claim due to distracted driving is $500,000 due to medical expenses and vehicle repair….or sometimes death to innocent drivers. So rationally thinking, expensive fines and insurance surcharges is fair – and should be a good life lesson to ensure the alternative never happens.
Here are some tips you could use to stay safe on the roads: