Good and Bad News in Teen Driving
And what you and the teens in your life can do in case of a crash.
Brought to you by Liberty Mutual's
The Responsibility Project
A new study shows that strict license restrictions on young teen drivers may reduce their likelihood to be involved in fatal crashes, according to The Huffington Post. The study, published in the Journal of the American Medical Association, shows that, “States enforcing graduated driver licensing systems that place restrictions on supervised and nighttime driving for young teens ‘were associated with substantially lower fatal crash incidence for 16-year-old drivers.’”
But the research brings bad news, too. The same states that have reduced fatal crash rates among younger teens are associated with higher crash rates for 18-year-old drivers. The Huffington Post suggests this could be because more drivers are waiting until they’re older to obtain licenses in an effort to avoid restrictions on younger drivers, or because those who do obtain licenses later in adolescence might not receive the same level of supervision and guidance.
One way to provide guidance to your teen, no matter when they started driving, is to suggest that they keep a checklist of what to do after an accident in their glove compartment. Experts recommend this idea for drivers of all ages; you can save precious minutes by springing into action quickly rather than trying to order your thoughts. Here are a few items you might consider putting on that list:
1. Check to see if you or any of your passengers have been injured.
Stay calm. Don’t hesitate to call 9-1-1 if anyone needs medical help. Moving someone who’s unconscious can make injuries worse, so don’t do it unless you have to. If you must move someone who’s injured because he or she is in imminent danger, make sure to keep the head and neck supported.
2. Get out of the way of traffic.
Safely move your car to the side of the road or the safest area you can find that’s out of the way of traffic. If your car isn’t working, turn on your warning lights or pop your hood to warn other drivers.
3. Call the police.
File a car accident report with the police when they arrive, even if it’s a minor accident. Don’t leave the scene until the full report is filed. And remember, don’t discuss the accident with anyone but the police and your insurance agent. Don’t admit fault or liability, don’t discuss what happened with passersby, and get only the information you need from other people involved in the accident. Witnesses can be helpful, so feel free to ask bystanders if they’d be willing to give you their information in case you need someone to verify what happened.
4. Get the facts.
Most people know to get information from other drivers and witnesses, but it’s easy to forget exactly what information you need. It’s helpful to write down a description of the car and a license plate number, but most insurance companies record a car’s VIN number (or Vehicle Identification Number) — not the license plate — so get the number and the insurance company. So you don’t miss anything, download this worksheet and keep it in your car; it includes all the information you’ll need to record.
5. Take pictures.
Sometimes there’s no better witness than photographic evidence. Consider keeping a disposable camera in your glove compartment or trunk, or if you have a good camera on your cell phone, you can use it to photograph the scene. Take pictures of damage, skid marks and the location of the car accident (even street signs, or exit signs, so you’ll remember where you were).
6. Draw a diagram.
Were you at an intersection? On the highway? Who hit whom? If you can draw a quick diagram showing what happened, it can help preserve your memory of the accident and help the police in determining who was at fault.
7. Keep an accident kit.
Consider assembling or buying a kit like this one that you can use in case of an accident. An emergency kit can be useful in any situation, not just a crash. You’ll want a disposable camera and the following items: bottled water, first aid supplies, flashlight, a blanket and jumper cables.
8. Schedule an appointment with your doctor.
You might not even know you’re injured; some whiplash and strain injuries might not even start hurting until well after you’re home. It’s always smart to call your doctor and get checked out.
9. Call your insurance agent.
Call your agent or the toll-free number of your insurance company as soon as possible — even at the scene of the accident. If police are on the scene, ask the officer to speak with your insurance agent; sometimes they can give a more accurate report of the accident than you can if you’re upset.(A portion of this story was previously published as “When Accidents Happen” on The Responsibility Project on 4/20/10)