Teen Crashes: Highest on Saturday and Sunday Night

It's important to educate yourself-- as a parent and a teen driver. Below are 2 tables of information. Look them over carefully and you'll notice 2 things. Crash rates for teen drivers are most risky on Saturday and Sunday nights. Does this come as a surprise to you? Maybe not. But the awareness alone is imporant.

Share this with your teen driver. Do they notice a difference in the way they drive on weekends? Night driving vs. day driving, in general? Are they driving friends? Are they excited to go to a party or event? What is it about night and weekend driving for teens?

Teenage motor vehicle crash deaths by day of week, 2007
Day of Week	Deaths	%
Sunday	953	19
Monday	568	12
Tuesday	531	11
Wednesday	566	11
Thursday	571	12
Friday	795	16
Saturday	962	20
Total*	4946	100

*Total includes other and/or unknowns

Teenage motor vehicle crash deaths by time of day, 2007
Time of Day	Deaths	%
Midnight-3am	747	15
3am-6am	470	10
6am-9am	393	8
9am-noon	301	6
Noon-3pm	498	10
3pm-6pm	822	17
6pm-9pm	776	16
9pm-midnight	900	18
Total*	4,946	100

*Total includes other and/or unknowns

Cell Phone Enabled GPS Tracking Device Created by Teen

At just 20 years old, Jonathan Fischer has created a Cell Phone GPS Teen Tracking Device which measures speed, curfew, and off-limit areas.

It works by having a black box installed in the vehicle. Anytime you speed or break other agreements it sends an annoying alert through the teen's cell phone.

Fischer began working on the device at 16 year of age after a local teen driver was killed behind the wheel due to speeding. He's won awards and even a hefty prize of $20,000 for his business plan.

The device is a pricey $250 to start and then $15 per month after. But a distinctive feature is in the GPS. Mapping lets the box know what the speed limit is on any given road, so if for example, you're going 10 miles over anywhere it will send the alert.

To learn more: www.livefastdriveslow.com.

Speak Up Or Else!

The Speak Up Or Else ad campaign will be starting soon with comedic 30 second commericals airing on safe teen driving.

Their website, www.speakuporelse.com features these 4 commercials, real stories, quick facts, e-cards, and you can even "Sign The Pledge" by filling in your first name and last initial to receive one of these to post on your myspace, facebook, or blog...

The website also features a toolkit for parents and adults to get involved!

Sav-on would like to remind you that we also have a great teen safety program featuring Phil's tragic story. If you would like to have us come out, please contact us at info@sav-on.com or call 206-878-1404.

Teensurance™ powered by Safeco

Safeco agents are now able to offer a $70 discount off the $169 Teensurance package for a low price of $99 to start. And the professional installation is free.

Teensurance is a great tool and program to help parents keep teen drivers safe. The GPS is installed under the dash and away from view to monitor things like speeding and location in real time, and sends alerts on things like curfew and driving out of "safe zones".

You even have free roadside assistance, up to 4 incidents per year and unlimited remote door unlock if the vehicle has automatic locking doors.

There's so many more features with this great system. We're always open to questions or you can find out more by going to www.teensurance.com.

Q & A

A few frequently asked questions for parents of teen drivers like you...and maybe a couple you hadn't thought about! If you have additional questions, we'd be happy to answer them! Please e-mail us at info@sav-on.com or call one of our 6 locations at 1-888-867-2866.


What should parents consider when insuring teen drivers?

Parents should consider 3 factors when insuring their teen driver. First, they need to do everything they can to prevent their teen from causing an accident. Lack of education and experience are the leading factors in teen driver accidents. Parents need to give their teen as much training and experience behind the wheel as possible to keep them safe and avoid costly tickets and accidents. Second, parents need to make sure they are protected in case their teen causes an accident. Teens are 5 times more likely to cause an accident that can result in a lawsuit than experienced drivers. Good insurance coverage is a must for parents with teen drivers.
Third, parents need an agent that understands how to protect families with teen drivers and how to help them get the right protection at the lowest cost. This agent can find ways to save money while offering coverage that can protect them from lawsuits.

Why are insurance rates high for teen drivers?

Teen drivers are five times more likely to cause accidents than experienced drivers. The cost of these claims are on average 3 times higher as well. Insurance companies know this and have to charge higher rates to cover the higher risk of costly and more frequent accidents.

How can parents reduce the cost of insuring their teen driver?

First, parents need to understand that the rates are highest during the first three years they are licensed and if their teen gets a ticket or causes accidents their rates can triple. If parents do everything they can to make sure their teen drives safely, they will save a small fortune in rate increases due to tickets and accidents. If they have an agent that specializes in protecting families with teen drivers, that agent most likely knows what companies offer the lowest rates and can help them save by increasing deductibles and finding every discount possible, i.e. like a discount for good grades.

What should parents do to make sure they are protected in case their teen causes an accident?

When a parent adds a teen driver to their insurance policy, the chances of them being involved in a lawsuit increases dramatically. Insurance companies will only pay what their liability limit is on their policy. If the accident is serious enough, the parent’s assets are at risk. They will have to pay the difference between the liability limit and the amount awarded by the lawsuit. This is the most critical time when they need an agent that specializes in protecting families with teen drivers. This agent can review their coverage and offer the right liability limits to protect their assets.

How can parents reduce the likelihood of their teen causing an accident?

Education and experience is most important for safe driving. Unfortunately, new drivers are lacking this. It is up to the parent to give them as much structured practice time behind the wheel as needed to learn the most important driving skills and reactions. A home study driving course such as the Safe Teen Driver Guide is an excellent way to give the teen the necessary education and experience. Parents should also consider a GPS Teen Driver Monitoring System to make sure that their teen continues to drive safely while the parent is not in the car.

Many parents consider placing the teen on a separate policy. Is this a good idea?

No, this is not a good idea. As long as the teen is dependent on the parents, (they live in the household or the parent owns the car, even if the child is away at school ), they can be held liable for their teen’s mistakes. When you place a teen on a separate policy, it is very difficult to get adequate coverage for the teen because they are considered “high risk” and most high risk insurance companies will only provide lower limits than what teen drivers need. Since the teen cannot get adequate coverage, the parents can still be sued for their teen’s accidents. It also costs more to insure teens on separate policies. They are charged higher rates since they are insured by companies that insure higher risk drivers. When the teen is on their parents’ policy, they get multi-car discounts and are usually insured by preferred companies with lower rates.

What tools do you offer to parents to help them make their teens safer drivers?

Our agency offers many tools to help parents keep their teen drivers safe. First we have the Safe Teen Driver Guide. This is a 16 step home study driving course that parents can use to give their teens the education and most importantly, the experience they need to drive safely. We also offer a GPS Teen Driver Monitoring System. This system can alert parents when their teen drives at high speeds, after curfew or beyond a specified driving range. It can also allow parents to “check in” on their teen to make sure they are safe. Another tool we offer is the Parent/Teen driver contract to help teens get a clear understanding of the rules set forth to have the privilege to drive. Our website offers other tools such as 101 teen driver safety tips, information on how to get protected at the lowest cost, and much more. Coming soon, we will be offering a “How’s My Driving” bumper sticker and incident reporting service.

How does the GPS Teen Driver Monitoring System work?

This amazing system can give parents peace of mind knowing that their teen is driving safely. It has a small GPS unit that is installed under the dash in the teen driver’s car. This unit is connected to a website that parents can access to set parameters and view the car’s location, speed, and even unlock the car doors if the teen locks his or her keys in the car. Once parameters are set for speed limits, driving distance, and curfew, parents can receive alerts when a teen break these parameters. It can also let parents know by text message, e-mail, or phone call when their teen arrives at a destination, such as arriving at school every day.

Buckle up!.... But why?

Buckle Up! But Why?

A seatbelt ticket will cost you $101 in the state of Washington. For such a high cost of a ticket, it would be safe to assume the issue has some importance!

Well, absolutely! The purpose of a seatbelt is to hold the passenger in place, holding them close to the vehicle to make them almost "one" to prevent being thrown forward in the event of a collision. The other option is not wearing a seatbelt. If the person is not wearing their seatbelt, the law of inertia proves that they will be thrown forward-- possible into the windshield or dashboard, (ouch.)

The flexible materials that make up seatbelts are meant to provide give-- more than the dashboard or windshield. And even though the seatbelt allows some give to conform to your body comfortably, the machinery involved tightens the belt to hold the passenger in place when the car decelerates quickly.

Did you also know, that having your seatbelt improperly installed is an even bigger ticket?? Vehicles require both shoulder and lap belts!

Please instill the importance of safety belts with your teens and read "Phil's Story" (our very fist blog post!)

How much will my policy increase?

Something I'm sure many parents of budding drivers want to know is how much their policy is going to increase once they get their license.

I'll have to admit to you, it's not pretty. But with 50% of auto claims going out on young drivers alone, it's hard not to see why rates can be so high.

FYI, Females will cost less than males, because males tend to have more and bigger payouts when it comes to claims.

I've done a few "tests" if you will...statistics say that your policy can increase about 50%-100% by adding a young driver. On a policy costing about $2500 with 3 existing drivers, I added yet another driver. A 16 year old female, date of birth 1/1/92, licensed 12/1/08. The rate went up to only $3067. Not even close to the estimated 50%-100%!

Have I confused you enough? I hope not...I've now changed the information to a male. the rate is the same.

Now what if they got into an accident the day after they received their license (we've heard this story!) -- the rate shoots up to $3500. Male or female.

Now, you have to keep in mind though...insurance rates are based on a lot more than just the driver and their driving record. It's also based on where you live, how far you drive the vehicle, what vehicle you drive, how many vehicles you own, and an "insurance bureau score" which is partially based on credit.

Many times the rates can be different depending on how much was paid out on the accident. A little fender bender to an old Chevy will cost you less than a fatality in a Mercedes Benz.

Teens Make Music Videos to Promote Safe Holiday Driving

I got a kick out of these "music videos" teens made for safe driving through the holiday season. The top 5 winners (posted on the site) got an all expense paid trip to The Great Mall of America and a chance to win $10,000.

I especially enjoyed the one called "Watch The Road" by jeremyglick as his voice is sort of reminiscent of Neil Diamond.

You can check out the videos by going to holidayholla.keepthedrive.com/videos/


Happy Thanksgiving!

Are teens waiting to get their license?

Things are a little different these days and it seems to us that teens and parents of teens are weary to jump on the "let's get you licensed" bandwagon right away anymore. This could be due to the cost to insure a teen, maybe even because of safety issues or responsibility, or possibly the state of the current economy?

The driving school we have a relationship with says that things have been a little slow for them too. Sure it was busy enough in the summer for us to go and do our safe teen driver presentation but now that winter has set in there's very few students enrolling.

I know 2 teen drivers personally who have finished their driver's education. One is just short of turning 17 and the other is 18. They both told me that they were among the oldest kids in their class and yet they have not even begun to take their driving test. They barely drive at all on their permit. I too was enrolled in driver's education early but waited about a year on my permit to receive my license.

So it bring me to question have things always been this way? Are parents just weary of their learning teen's safety or have economics come into play this time around?

Do you have teens who are learning how to drive? Are you holding off to get them licensed?

Driving School Presentation

The very first blog post was about Phil's accident back in 1985. He takes what he's learned from that experience and shares it now with students at A-Team Driving School in Lynnwood.

We went yesterday and on Monday to do the presentation and we started asking for feedback from the students-- something we've never done before. I'm pretty happy with the responses. They really enjoy Phil's story and the DVD we show (which is available to anyone interested! E-mail your request to info@sav-on.com).

We did have some issues with getting the PowerPoint set up on Monday but Tuesday went really well and the kids asked a lot of questions! Usually we'll get one question (if we're lucky) and personally, I enjoy Q and A time.

Our next presentation is in December! Updates to follow!!

What To Do When Involved In An Accident

In 2005 alone, there were more than 6.1 million police-reported traffic crashes in the United States. Combine those with the number of incidents that aren't reported to the police and it adds up to a lot of collisions.

Although you do your best to drive responsibly and defensively, it's still smart to know what to do just in case you end up in an accident. Crashes can be very scary, but here are some tips if one happens to you:

Take some deep breaths to get calm. After a crash, a person may feel a wide range of emotions — shock, guilt, fear, nervousness, or anger — all of which are normal. But take a few deep breaths or count to 10 to calm down. The calmer you are, the better prepared you will be to handle the situation. This is the time to take stock of the accident and try to make a judgment about whether it was a serious one.

Keep yourself and others safe. If you can't get out of your car — or it's not safe to try — keep your seat belt fastened, turn on your hazard lights, then call 911 if possible and wait for help to arrive. If you can drive your car and are in an unsafe spot or are blocking traffic, find a safe and legal place to park your car (like the shoulder of a highway or a parking lot). In some states it's illegal to move your car from the scene of an accident, though. Ask your driver's ed instructor what the law is in your state.

If the car accident seems to be minor, turn off your car and grab your emergency kit. If it's safe to get out and move around your car, set up orange cones, warning triangles, or emergency flares around the accident site.


Reporting the Accident

Check on everyone involved in the crash to see if they have any injuries. This includes making sure you don't have any serious injuries. Be extremely cautious — not all injuries can be seen. If you or anyone involved in the accident isn't feeling 100%, you should call 911 or any other number your state uses to request emergency assistance on roadways. Be ready to give the dispatcher the following information:

• Who? The dispatcher will ask for your name and phone numbers in case the authorities need to get more information from you later.
  
• What? Tell the dispatcher as much as you can about the emergency — for instance, whether there is a fire, traffic hazard, medical emergency, etc.
  
• Where? Let the dispatcher know exactly where the emergency is taking place. Give the city, road name, road number, mile markings, direction of travel, traffic signs, and anything else you can think of to help them know how to find you. Make sure you stay on the line until the dispatcher says it's OK to hang up.

Sometimes, you can get the police to report to the scene of the accident even if there are no injuries, especially if you tell them you need someone to mediate — in other words, to help you figure out what happened and who's at fault. But in certain areas, as long as both vehicles can be safely driven away, police officers won't come to the scene unless someone is hurt. If the police do not come to the scene, make sure you file a vehicle accident report at a police station or DMV.


Take Down Driver Information
If you are feeling up to it, ask to see the driver's license of the other drivers involved in the crash so that you can take down their license numbers. Also get their name, address, phone number, insurance company, insurance policy number, and license plate number. If the driver doesn't own the car involved, be sure to get owner's info as well.


Take Notes on the Accident
If the car accident is minor and you feel that you can describe it, try to do so. Detailed notes and photos of the scene may help the court and insurance agencies decide who is responsible for the accident. Get a good description of the cars involved — year, make, model, and color. If your phone has a camera, use that or another camera to take photos of the accident scene — including the cars and any damage, the roads, any traffic signs, and the direction each car was coming from.

If you feel well enough, try to draw a diagram of the exact crash site and mark where each car was, what direction the car was coming from, and what lane it was in. Also, write down the date, time, and weather conditions. If there were any witnesses, try to get their names and contact info so that they can help clear up matters if one of the other drivers isn't completely honest about what really happened.

Remember, you can only do these things if you think the accident was a minor one (for instance, if the airbag did not inflate). Even if you think the accident was your fault, it may not be. That's why insurance companies say that you should not admit fault or accept blame at the scene.

Alex was excited to finally get his license. He was looking forward to going to the movies and to visit friends without needing someone to take him.

A couple weeks later, Alex was headed to his friend Matt's house. Two blocks from Matt's, Alex waited at a stop sign when he felt a sudden jolt. Someone had rear-ended his car. Alex started panicking — and his first thought was "What do I do now?"


Car Crashes
In 2005 alone, there were more than 6.1 million police-reported traffic crashes in the United States. Combine those with the number of incidents that aren't reported to the police and it adds up to a lot of collisions.

Although you do your best to drive responsibly and defensively, it's still smart to know what to do just in case you end up in an accident. Crashes can be very scary, but here are some tips if one happens to you:

Take some deep breaths to get calm. After a crash, a person may feel a wide range of emotions — shock, guilt, fear, nervousness, or anger — all of which are normal. But take a few deep breaths or count to 10 to calm down. The calmer you are, the better prepared you will be to handle the situation. This is the time to take stock of the accident and try to make a judgment about whether it was a serious one.

Keep yourself and others safe. If you can't get out of your car — or it's not safe to try — keep your seat belt fastened, turn on your hazard lights, then call 911 if possible and wait for help to arrive. If you can drive your car and are in an unsafe spot or are blocking traffic, find a safe and legal place to park your car (like the shoulder of a highway or a parking lot). In some states it's illegal to move your car from the scene of an accident, though. Ask your driver's ed instructor what the law is in your state.

If the car accident seems to be minor, turn off your car and grab your emergency kit. If it's safe to get out and move around your car, set up orange cones, warning triangles, or emergency flares around the accident site.


Reporting the Accident

Check on everyone involved in the crash to see if they have any injuries. This includes making sure you don't have any serious injuries. Be extremely cautious — not all injuries can be seen. If you or anyone involved in the accident isn't feeling 100%, you should call 911 or any other number your state uses to request emergency assistance on roadways. Be ready to give the dispatcher the following information:

• Who? The dispatcher will ask for your name and phone numbers in case the authorities need to get more information from you later.
  
• What? Tell the dispatcher as much as you can about the emergency — for instance, whether there is a fire, traffic hazard, medical emergency, etc.
  
• Where? Let the dispatcher know exactly where the emergency is taking place. Give the city, road name, road number, mile markings, direction of travel, traffic signs, and anything else you can think of to help them know how to find you.

Make sure you stay on the line until the dispatcher says it's OK to hang up.

Sometimes, you can get the police to report to the scene of the accident even if there are no injuries, especially if you tell them you need someone to mediate — in other words, to help you figure out what happened and who's at fault. But in certain areas, as long as both vehicles can be safely driven away, police officers won't come to the scene unless someone is hurt. If the police do not come to the scene, make sure you file a vehicle accident report at a police station or DMV.


Take Down Driver Information
If you are feeling up to it, ask to see the driver's license of the other drivers involved in the crash so that you can take down their license numbers. Also get their name, address, phone number, insurance company, insurance policy number, and license plate number. If the driver doesn't own the car involved, be sure to get owner's info as well.


Take Notes on the Accident
If the car accident is minor and you feel that you can describe it, try to do so. Detailed notes and photos of the scene may help the court and insurance agencies decide who is responsible for the accident. Get a good description of the cars involved — year, make, model, and color. If your phone has a camera, use that or another camera to take photos of the accident scene — including the cars and any damage, the roads, any traffic signs, and the direction each car was coming from.

If you feel well enough, try to draw a diagram of the exact crash site and mark where each car was, what direction the car was coming from, and what lane it was in. Also, write down the date, time, and weather conditions. If there were any witnesses, try to get their names and contact info so that they can help clear up matters if one of the other drivers isn't completely honest about what really happened.

Remember, you can only do these things if you think the accident was a minor one (for instance, if the airbag did not inflate). Even if you think the accident was your fault, it may not be. That's why insurance companies say that you should not admit fault or accept blame at the scene.


The Aftermath
While the crash itself might be upsetting, dealing with the aftermath can be too. In the hours or days following an accident, some people may still be shaken up. They may be beating themselves up over what happened — especially if they feel the accident was avoidable. Sometimes, people close to those who were involved in the accident (like families and best friends) can experience some emotional problems too. These feelings are all normal. Once some time passes, the car is repaired, and the insurance companies are dealt with, most accidents become mere afterthoughts.

In some cases, though, these feelings can get stronger or last for longer periods of time, keeping a person from living a normal life. Post-traumatic stress disorder (PTSD) can occur when a person has experienced a devastating event that injured or threatened to injure someone. Signs of PTSD may show up immediately following the accident, or weeks or even months after.

Not everyone who experiences stress after a trauma has PTSD. But here are some symptoms to look out for:

• avoiding emotions or any reminders of the incident
  
• constant feelings of anxiousness, crankiness, or anger
  
• avoiding medical tests or procedures
  
• constantly reliving the incident in one's mind
  
• nightmares or trouble sleeping
  If you notice any of these symptoms after you've been in a car accident, try talking through the experience with friends or relatives you trust. Discuss what happened, and what you thought, felt, and did during the accident and in the days after. Try to get back into your everyday activities, even if they make you uneasy. If these things don't help, ask your parent or guardian to help you check in with your doctor.

Thank you to KidsHealth.org

New Technology to Disable Teen Cell Use While Driving

Aegis Mobility Inc. has developed a new software called DriveAssist which would be used to essentially disable teen cell phone use while driving.

The device would block inbound calls and text messages while in motion and would deliver them once motion has ceased with the exception of 911 emergency calls.

Aegis was created with assistance from Dave Teater whose 12 year old son was killed when a 20 year old nanny driving a Hummer rear ended them while talking on her cell phone. Now, his loss may save many others from losing their lives or suffering injury.

DriveAssists is supported by Windows Mobile and Symbian-based phones. There are plans to expand to other wireless networks early next year.

You can find out more by vising Aegis Mobility online at: www.aegismobility.com

National Teen Driver Safety Week is about Awareness

It's National Teen Driver Safety Week, and I feel that it couldn't come at a more appropriate time of the year. The weather is changing and many teens are just getting their license after their summer enrolled driver's education courses have ended...it's a scary and exciting time of year for young drivers and parents alike.

This week is to concentrate on teen driver safety. While we at SAV-ON always try, year round, to drive home the point that sometimes the worst can happen, many parents feel that they trust their teen driver. After all, it is their child. But many of you also know that motor vehicle crashes are the leading cause of death among U.S. teens. In 2005, 12 teens aged 16-19 died every day due to motor vehicle crashes.

The 16 to 19 year-old age group is 4 times more likely to crash than older drivers and statistics do show that they have the highest crash rate. Those especially at risk are

• male drivers; one and half times greater than females in 2005
  
• teens driving with teen passengers; the risk increases with each added teen passenger, especially males
  
• newly licensed teens; crash rates are are extremely high within the first year, especially within the first 6 months of new licensure.
  
  Teen drivers are more likely to underestimate the danger of a situation or recognize hazardous situations (ex. snow, rainfall, etc...). They are more likely to speed and tailgate; male passengers increase the chances of the driver partaking in these dangerous activities. Teens are also the least likely group to wear a seat belt.
  
  Although drinking and driving rates have dropped among young drivers, it still remains a problem that cannot be overlooked. Young drivers with any level of blood alcohol concentration (BAC) run a higher risk of crashing than older drivers. In 2005, 23% of drivers aged 15-20 who died in a motor vehicle crash had a BAC of .08 or higher.
  
  Male drivers between the ages of 15-20 are particularly at risk. In 2005 38% were speeding at the time of crash and 24% had been drinking.
  
  This week is not only to instill safety, but also to spread awareness of the dangers of inexperience, distraction, passengers, cell phone use, even drug and alcohol use. Use this time to talk to your teen...and take advantage of the many resources we have to offer at www.teendriverinsurance.com/sav-on.
  
  
  Thank you to CDC.gov and IIHS.org, and Happy National Teen Driver Safety Week!

National Teen Driver Safety Week Oct 19-25

Congressmen Charlie Dent (R-PA) and Senator Bob Casey (D-PA) passed a resolution establishing every third week in October to be National Teen Driver Safety Week this last year.

Many states have their own planned activities, many year-long, which focus on teen belt use, graduated licensing, and underage drinking. Washington is not on the list, although Sav-on Insurance personally does our part by speaking to young drivers at the A-Team Driving School. To see the complete list click here.

The theme for this years Safety Week is passengers with findings showing that the chances of a fatal crash increase exponentially with each teen passenger. Few teens view their friends as inexperienced drivers and teen passengers tend to act wild or encourage the driver to speed or make other unsafe driving decisions.

Please visit our safe teen driver page at www.teendriverinsurance.com/sav-on for more tips on making your teen a safe driver.

Daughter's fatal crash leads to education effort

In Spanaway Washington, a young man has been charged with supplying alcohol to teen girl who consequently died in a car crash.

He's been sentenced to a year of probation and community service.

See the full article here: Daughter's fatal crash leads to education effort