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For many parents, the teenage driving years are both good and bad. Finally, your kids can drive themselves to their activities, giving you additional free time. But, on the other hand, you may also be aware of the statistics and the risks of teens behind the wheel. As a parent, you may feel like you don’t have any control over your teens’ driving – but you actually do.
Here is one of the most important things you can do to keep your teen safe: Put together a formal agreement between you and your teen.
Studies have shown that teens show less risky driving behaviors when there is a formal agreement in place, detailing how they need to behave when they’re behind the wheel. The items in your agreement should align with the behaviors you model on a daily basis. Examples of important components of a formal agreement might include:
1. Always wear a seatbelt.
90% of teens with an agreement wear seatbelts, while only 53% of those without an agreement do.
2. Never drink and drive.
94% of teens with an agreement never or rarely drive after drinking, while only 39% of those without an agreement do.
3. Never text while driving.
91% of teens with an agreement never or rarely text while driving, while 61% of those without an agreement do.
4. Obey the speed limit.
Speeding is a big problem for new drivers, especially. Make sure you’re showing them that staying under the speed limit is important.
5. Speak up if a driver isn’t driving safely.
Help your teens come up with the right words to use if they’re in the car with an unsafe driver, and options for how to get home using other means.
Source: “ You can keep your teen drivers safer. Here are 7 ways that can help,” SafeKids Worldwide
Insights and expertise
This document is advisory in nature and is offered as a resource to be used together with your professional insurance advisors in maintaining a loss prevention program. It is an overview only, and is not intended as a substitute for consultation with your insurance broker, or for legal, engineering or other professional advice.
Chubb is the marketing name used to refer to subsidiaries of Chubb Limited providing insurance and related services. For a list of these subsidiaries, please visit our website at www.chubb.com. Insurance provided by ACE American Insurance Company and its U.S. based Chubb underwriting company affiliates. All products may not be available in all states. This communication contains product summaries only. Coverage is subject to the language of the policies as actually issued. Surplus lines insurance sold only through licensed surplus lines producers. Chubb, 202 Hall's Mill Road, Whitehouse Station, NJ 08889-1600.