Kevin P. Foley, president at PFT&K Insurance Brokers in
Milltown, N.J., can recall every single accident involving one of
his clients that resulted in a fatality (four total). He takes the
mistakes, negligence and misfortune of others to fuel conversations
about the dangers of the road with his daughter. The teen is
anxiously anticipating taking the test for her learner's permit in
Like many parents, Foley is anxious too, but for other
As an auto insurance agent, Foley has heard many horror stories,
including stories that don't hit the media. He brings them home,
and doesn't sugar coat the tragedies.
"I tell her so she knows that accidents are real, but teenagers
have a hard time grasping anyone's mortality let alone their own,"
he says. "She says that she gets it, but I'm not so sure."
He tells his daughter that it's not only her actions she needs
to watch, but also those of others. He recalls recently pointing
out a driver who made a right turn from the far left lane of the
road where they were driving. The negligent driver did not cause an
accident, but very easily could have.
His advice to parents with teens is to have these important
conversations. Point out the bad driving judgments made by others.
Share stories about both the believable and unbelievable ways
accidents can happen.
Teens need to know that if they are in an accident and have to
get out of the vehicle to exchange insurance information, it's
scarier than they can imagine. And, that it's the lucky ones who
are able to get out of the vehicle to do this.
Waiting to drive
Safety first, money second.
Eric Kingdon, an account executive at Trustco Inc. Insurance
Services in Salt Lake City, says, "I am the son of an insurance
agent and my father did not allow me to get my driver's license
when I turned 16 because I did not have the 3.0 GPA needed to
qualify for the good student discount," he says. Kingdon had to
painfully wait months until he received his next report card, which
showed a 3.0.
"I wasn't allowed to get my license without a 3.0, and the same
rule applies to my sons," he says. His twins are both wanting to
get their licenses on their 16
birthday. Whether or not one or both boys will be allowed to take
the road test on that special day will depend on their grades.
Without a 3.0 they'll have to wait until the next report
"Driving is a privilege to be earned," says Kingdon.
Kingdon recommends that parents help their teen drivers feel
comfortable in the vehicle. Show them how to work the lights,
windshield wipers, blinkers, hazard lights, controls, seats, and so
on. Give them time to become acquainted with the inside of the
vehicle before they take it the road.
Charlie Schein, an agent at Star-Schein, LLC in Hartford, Conn.,
has first-hand experience being the parent of teen drivers. He
points out the dual benefits of accredited driver-safety training
programs. The insurance companies he works with offer discounts for
new drivers who take these courses and teens receive extra training
they sorely need.
Schein is also a proponent of requiring a teen driver to qualify
for the good student discount in order to drive. He explains that
insurance companies perceive that students who earn good grades are
more likely to make the right choices on the road, resulting in a
lower risk factor and reduced insurance rates for the parents.
Pavel Levitanus, a Farmers Insurance agent in Laguna Hills,
Calif., says "practice, practice, practice." He points out that the
hours on the road required in driver training simply do not give
new drivers the experience they need to be on the road by
Even when a driver's license is in hand, the training should not
stop. "Parents have a lot going on and it's hard to find the time
to give their teens all of the practice they need on the road."
Levitanus spends time behind the wheel with his teen nephew to
give him additional practice.
Although it will be many years before his own daughter will be
driving, Levitanus already knows that she will not be allowed to
roam the California freeways on her own during the first year. Even
after that, he says that teens should not drive on the freeway
unless they have to.
Levitanus urges parents to be familiar with their state's
restrictions on when teens are allowed on the
, and when they are permitted to have passengers.
Since teens are easily distracted, many states have a
provisional period in which newly licensed teenagers may not have
passengers in the car (except siblings). Other common rules dictate
the time of day teens can drive, cellphone use and other
The California Department of Motor Vehicles points out the
root causes of teen accidents
include lack of skill and low perceptions of actual risk.
for parents of teen drivers.