Teen auto insurance

 

Surprise! Find out who is not covered by your car insurance

Nobody likes to discover what’s not covered in their policy while trying to make a claim. Here are some situations in which you think you’re covered but your car insurance company might not.

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Scenario 1. Loretta Worters, vice president of the Insurance Information Institute, says auto insurance policyholders are often confused about when to add a child who has gotten a driver’s license.

“Some insurance companies will not cover drivers that are under the age of 18, unless they are specifically added to your policy,” Worters says.

To be on the safe side, she says, contact your car insurance agent to make sure your policy covers a teen driver.

Scenario 2 Holly Anderson, spokesperson for State Farm Insurance, says all drivers living in your home should be listed on the car insurance policy.

A teen driver who wrecks the car is still covered even if you failed to add him or her to the policy. But “you could then be subject to an underwriting review and lose your coverage because you didn’t report the child as a driver in the household.”

Allowing a friend to occasionally borrow your car is allowed under a car insurance policy. If the friend has an accident during one of the rare times when he or she drives your car, you’re covered.

But it’s a different story if a friend drives your car all the time.

Scenario 3“If you do not reside in the vehicle owner’s household and you drive the vehicle with any kind of regularity, in order to be covered, you will need to be listed as a driver on the vehicle owner’s policy,” Worters says.

Scnerio 4:If your pet is injured in a car accident you caused, the pet’s medical expenses may not be covered. Even though collision coverage pays for repairs to the vehicle, your policy may have an exclusion for damage to personal property – and pets are considered personal property.

But if your pet is injured in a car accident caused by someone else, you could make a third-party claim for its medical bills. When a pet is killed in an accident, you can usually make a claim for the market value of the pet.

Scnerio 5 :Sometimes car insurance customers specifically exclude a family member from their auto insurance policies.

The excluded person may be someone with a DUI conviction for whom insurance coverage is prohibitively expensive. In other cases, the excluded person could be a teenager who hasn’t gotten a license yet or who isn’t allowed to drive because of the high cost of insuring him or her.

If an excluded driver operates your car and gets in an accident, you – not your car insurance company – will be liable for the damages. There are no loopholes! Once a person is excluded, make sure he doesn’t driver your car – not even to pull it into the driveway from the street.

Yes, car insurance poilcy are tricky and not explicit. Get your cheap car insurance now, if you have missed this-start saving today.

Teen auto insurance

Teen auto insurance

Study of Deer-Vehicle Collisions Planned in West Virginia-would that help in reducing car accidents?

Every year in West Virginia, motorists and insurance companies pay more than $50 million to fix damage caused when vehicles collide with deer.

State wildlife and highway officials hope to reduce that total by finding out where collisions most often occur, and by learning how best to prevent them.

“Right now, we’re putting together a request for university research proposals to find out where the collision ‘hot spots’ on our roads are located,” said Chris Ryan, game management services supervisor for the state Division of Natural Resources. “After we identify those locations, we’ll study (accident-prevention) techniques that have worked in other states and try to figure out how to apply them here.”

A $50,000 grant from State Farm Insurance will pay for some of the research. Ryan said the rest of the expense would be split between the DNR and the state Department of Transportation.

“Both of our agencies are interested in trying to reduce the number of deer-vehicle collisions,” he said. “We’ve been working with the folks at DOT for the past several months, exploring research opportunities. We initiated the call (for the study), but DOT will be the agency that actually requests the research proposals.”

During the project’s first phase, researchers will examine deer-mortality data compiled by the DNR and the DOT. For the past several years, workers from both agencies have been recording the locations of deer carcasses found along the state’s highways.

“At DNR, we have a pretty good database already,” Ryan said. “Since 2002, we’ve been taking tissue samples from road-killed deer to check for signs of chronic wasting diseases. We locate each carcass using (the Global Positioning System). We currently have more than 2,500 data sets to work with.

“Highway workers in the Morgantown region have also been logging the locations of carcasses. They use highway distance markers instead of GPS, but their data are still accurate within a couple of hundred feet.”

Researchers will examine the agencies’ databases and decide if the locations could be accurately plotted on Global Information System maps.

“If it can, we’ll use GIS to find where the accident hot spots are. Those locations will tell us where to best apply techniques designed to mitigate the number of accidents,” Ryan said.

The research initially will focus on the state’s four-lane highways, where deer-vehicle collisions tend to occur at high speeds and create more damage. Ryan said both agencies want to focus future collision-prevention efforts on locations where they’re likely to do the most good.

“We feel that the interstates and the Appalachian Corridors are probably where mitigation attempts would be most cost-effective,” he added.

DNR and DOT officials also want researchers to study collision-prevention techniques practiced in other states, and to determine which ones have and haven’t worked.

“We want to use techniques that are proven to work,” Ryan said. “We don’t want to repeat other states’ mistakes. We want to find out which techniques are best and most cost-effective.”

If all goes as planned, the first phase of the study should be complete within a year. Ryan said the study’s second phase would likely attempt to determine which collision-prevention techniques work best along Mountain State roads.

Yes, this would really help in reducing car accidents since the teen auto insurance rates would also be reduced- the less the accidents the lower would be the car insurance and teens would get the best car insurance rates.

Teen auto insurance

Teen auto insurance

Lower teen auto insurance rates? Car crashes for young drivers

It is a big concern to the insurance industries for maintaining low teen auto insurance quote. Parents beware: Giving in to teens’ demands for their own cars can have dangerous consequences, new research suggests.

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Teenagers with their own cars or free use of one are much more likely to get in crashes than those who share a car. And crashes are much less common among teens whose parents set clear driving safety rules.

The findings are in two studies by researchers at Children’s Hospital of Philadelphia and funded by State Farm Insurance Co. They are in the October issue of Pediatrics.

The researchers say the findings can help parents keep their kids from becoming a grim statistic: Traffic crashes are the leading cause of death for U.S. teens, killing more than 5,000 each year.

Getting a driver’s license and car are often viewed as rite of passage for U.S. teens, and many parents underestimate the risks.

More than 7,000 people nationwide were killed in crashes involving teen drivers in 2007, government data show. More than 3,000 of these deaths were teen drivers, and more than 250,000 teen drivers were injured.

“With teen drivers, you have to recognize that it’s a public health issue,” said Dr. Jeffrey Weiss, a Phoenix pediatrician who co-wrote an American Academy of Pediatrics report on teen drivers.

The 2006 report encourages parents to highlight the seriousness of driving privileges by requiring teens to sign driving contracts promising to abide by safety rules.

The new research shows that kind of hands-on approach pays off.

“Families need to know that driving is different” from other steps toward independence,said Dr. Flaura Koplin Winston, the study’s lead author. “Just at the time their teen is pulling away, they need to get back involved to spare them heartache.”

The research is based on a nationally representative survey of more than 5,500 teens in grades nine through 11. Students at 68 high schools answered questionnaires in 2006.

More than 2,000 students who reported driving on their own were the focus of one study; 70 percent said they had their own cars or were the main drivers of cars they used.

Winston said it’s alarming that so many kids have their own cars or feel that they have free use of one. She said that freedom can lead to “a sense of entitlement about driving” that may make them less cautious.

Among these “main” drivers, 25 percent had been involved in crashes, versus just 10 percent of teens who shared driving access. Winston said the lower crash rate doesn’t reflect less driving time, but is likely due to having to ask for the car keys, which helps parents monitor their kids’ driving.

It is indeed a challenge for the parents to give a car and but to teach their teens to ensure the safety while driving and get them cheap teen auto insurance quote. Check it out.

Teen auto insurance