New teen drivers in the family mean parents must review auto insurance policies to ensure all circumstances are covered, says Gillin Jacobson Ellis & Larsen, accident attorneys in San Francisco bay area. Here's a quick 10-question quiz about auto insurance basics for teens.
San Jose, Calif. (PRWEB) November 9, 2009 -- Automobile accidents by 16-year-olds occur nine times more than 20-year-olds, according to the Insurance Institute for Highway Safety. And, 17-year-olds’ rate of auto accidents is six times higher than adults'. In California, says the American Automobile Association, 18,000 teens are injured or killed annually in vehicular accidents. While teens make up only 7 percent of all drivers, they are involved in 14 percent of fatal auto accidents annually.
“California’s recent graduated drivers’ licensing law has helped keep teen drivers safer on the road,” said Andrew Gillin , managing partner of GJEL Accident Attorneys, a catastrophic injury and wrongful death law firm in the San Francisco bay area. “What’s also critical for parents is to understand their auto insurance policy. Coverage must accommodate young drivers in the event of catastrophic injury while on the road.”
In 2009, GJEL Accident Attorneys saw an increase of nearly 20 percent of personal injury vehicular accidents over 2008 with a number of them involving teenage drivers. Teenage drivers are more distracted today with cell phones and texting than they were five years ago. A substantial percentage of the law practice at Gillin, Jacobson, Ellis & Larsen involves vehicular accidents.
Quiz 2: Auto Insurance & Teen Drivers
Answer the questions below in the GJEL Accident Attorneys Quiz on Auto Insurance & Teen Drivers to test understanding of the family auto insurance policy. Any “false” or “don’t know” answers suggest there's homework to do as motorists’ insurance may be lacking.
Auto insurance policy rates will change if a child has a vehicle at college. True False Don’t Know
If a teenager is in an accident with an uninsured driver, the family motorist policy will cover all claims in the accident. True False Don’t Know
When children attend college out of state; the family auto insurance policy covers the vehicle they drive.
True False Don’t Know
My insurance company offers good-student discounts for teenage drivers. True False Don’t Know
Our family auto insurance policy covers any non-member of the family including other teenage drivers who may drive the family car. True False Don’t Know
If a teenage driver is involved in a hit-and-run accident as the driver of any car, the family insurance policy will cover accident claims. True False Don’t Know
The family auto insurance policy covers my teen when they drive someone else’s car with under-age passengers. True False Don’t Know
In the event teenage drivers are involved in unlawful possession of alcohol or drugs while driving a family car, auto insurance premiums will increase for the entire family and not just that driver. True False Don’t Know
The family’s auto insurance policy, that includes college students, provides coverage for any incident regardless of geographic location. True False Don’t Know
Families can expect to pay higher premiums for auto insurance for new teen driver regardless of whether male or female. True False Don’t Know
GJEL Accident Attorneys is a San Francisco bay area law firm representing plaintiffs in catastrophic injury and wrongful death cases. Since 1972, Gillin Jacobson Ellis & Larsen has obtained recoveries in more than 99 percent of its cases.
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