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Category Archives: Youthful Driver

What Causes Teen Car Crashes?

The traffic accident rates for 16-to-19-year-old drivers exceeds any other age group. According to the Insurance Institute for Highway Safety, teen drivers are nearly three times more likely than drivers aged 20 and older to be in a fatal crash.  Driving is a privilege, not a right. It’s important that teens own the newfound responsibilities that come with driving. There are specific causes that make teenagers such risky drivers, and understanding these causes is the key to helping your teen to stay safe on the roads and prevent themselves from becoming part of the above statistic. Poor Hazard Detection The ability to detect hazards in the driving environment is based on perceptual information-gathering skills and identification of potential threats. It takes time for young individuals to acquire this ability, which is why teens are more likely than older drivers to speed and allow shorter distances from the front of their vehicle to the front of the next. Low Risk Perception Risk perception is the ability to subjectively assess the degree of threat posed by a hazard and one’s ability to handle the situation. Young drivers tend to underestimate the crash risk in hazardous situations and overestimate their ability to avoid the threats they identify. Risk Taking Teenagers tend to take more risks while driving partly due to overconfidence in their driving abilities. Teenagers are more likely to engage in risky behaviors such as speeding, tailgating, running red lights, violating traffic signs/signals, making illegal turns, passing dangerously, and failure to yield to pedestrians. Teenagers also tend to wear safety belts less often than older drivers. Lack of Skill New drivers have yet to fully master basic vehicle handling skills and safe-driving knowledge they need to drive safely. Vehicles are intricate machines and it takes time to properly maneuver any potentially dangerous machinery. Alcohol and Drugs Driving under the influence of alcohol and/or drugs is a common cause of serious crashes, especially fatal ones, involving teenage drivers. Teenagers who drink and drive are at much greater risk of serious crashes than older drivers with equal blood alcohol concentrations. Passengers For teenagers, the risk of being in a crash dramatically increases when they transport passengers and the risk of a fatal crash increases as the number of passengers increases. Passengers who are same age peers may distract teen drivers and promote risky behavior….
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The Three Main Types of Auto Insurance Coverage, and Why They’re All Important

When you’re paying your bills every month, you may pay for auto insurance without giving a lot of thought into what it actually does for you. The reality is that auto insurance isn’t one single thing; there are three main types of coverage (and some other optional coverages too). All three of these are important and they work together to make sure you’re protected. Let’s discuss the three main types and what they offer you. Liability Liability insurance, which is further divided into property damage liability and bodily injury liability is the coverage that pays for another driver’s expenses in case of an at-fault accident. If, for example, you hit another vehicle and were found at fault, your liability insurance would kick in and pay for the car repairs and any medical expenses that were accrued. Liability insurance is required by law in order to drive your vehicle. Collision Collision insurance is the coverage that pays for your own expenses if you are involved in an at-fault accident. In the example above, if you had collision insurance your insurance would pay for the repairs or replacement of your vehicle. If the accident was not your fault, and instead was the fault of the other driver, his or her insurance should be the one that will pay for your damages. In the unusual case where the other driver isn’t covered, your “uninsured motorist” policy would come into effect, if you had chosen to purchase it. Comprehensive Comprehensive insurance is the type of coverage that pays you for anything that is NOT a standard car accident. Comprehensive covers you in case of theft, vandalism, fire, acts of war and other incidents. In most of these cases, there may not be someone that could directly take the “blame” for the damage. However, with comprehensive coverage, you will not have to worry because your vehicle will be covered for repair or replacement. These policies can be quite different from one another. Your comprehensive policy will detail exactly what would be included. While you may not look forward to paying for car insurance, the peace of mind and protection it provides you is something you can’t live without. If you’d like more information about affordable and effective coverage, check AJ Benet’s auto insurance options, including our Youthful Driver auto insurance policies. We look forward to protecting you and…
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Youthful Driver: Apps to Avoid Texting and Driving

Youthful Driver: Apps to Avoid Texting and Driving Texting and driving is fast becoming one of the most dangerous hazards of the road. According to Stop the Texts, over one million people chat and text while driving each day. A driver who texts while driving is twenty-three times more likely to get into an accident than a driver who doesn’t text. And, of those killed in distracted-driving accidents, 995 reports involved a cell phone. Eighteen percent of accident fatalities were distracted-related crashes. It isn’t a small population either. Forty-nine percent of drivers with cell phones under the age of 35 send or read text messages while driving. Technology is changing and the distractions within the car are more dangerous than ever. But, there are some apps that can help combat that problem. Here’s a list Mashable compiled on how to avoid texting and driving. AT&T DriveMode. Once the app is selected, all calls, texts, and emails are silenced- the app also blocks you from reading or typing anything. You do still have the option to make an emergency phone call, access your music playlist, and make calls with up to five people. DriveSafe.ly. Rather than blocking your text messages, this app reads your text messages and calls aloud so you don’t take your eyes off the road. It will automatically respond to recipients for you, either by voice or with pre-set responses. Textecution. This app uses GPS to determine the speed you’re driving at. If you are clocked at more than 10 mph, the app disables texting so you can’t receive or respond to texts. You will be able to unlock messages when going less than 10 mph. For extenuating circumstances (like traveling on a train for example), you can ask for permission from the admin, who can override the settings. DriveScribe. This app measures and evaluates your driving performance by giving you points based on how well you stay within the speed limit and obey traffic signs. Text-STAR. The goal of Text-STAR is to eliminate driving distractions. It senses motion, and disables texting when you drive over 10 mph. It also allows you to schedule auto reply texts if you know you’ll be busy or doing something else. The issue is especially prevalent with younger drivers. At A.J. Benet, we know how important it is to make sure your young drivers stay safe…
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