It seems like a “rite of passage” from childhood into becoming an adult. Your little boy or girl turns 16 and MUST have a car because everyone in school has one. Teens crave the freedom away from Mom and Dad, acceptance by their peers and the ability to show off (with the right vehicle of course!).

Teen Driving Statistics

Motor vehicle crashes are the leading cause of teen death in the United States. An average of 6,000 teens die and another 300,000 are injured annually across the nation. Teens crash for many reasons, but the most common are overconfidence, speeding, impaired driving, distraction and inexperience. In addition, seat belt use among teens is the lowest of any age group on the road.

In the United States, teens (16 to 20 years of age) account for only 6 to 7 percent of all drivers, but are involved in 15% of crashes.  In some states, that number is even higher!  Recent statistics show that motor vehicle crashes are now the #1 killer of teens in America, and while crashes account for only 2% of all deaths nationwide, they account for a shocking 70% of teen injury deaths. Speed, distraction, fatigue and inexperience, coupled with a lack of seat belt use, are all prevalent factors in these fatal crashes.

Driver Education

New York is one of many states that have enacted Graduated Driver Licensing (GDL) laws.  Graduated driver licensing is designed to introduce teenage drivers to driving in stages, over an extended period of time, in an environment that minimizes risk.

Your teen will first progress through a learner’s permit phase where he or she will practice with supervision.  Next comes a provisional or probationary license phase known as a Junior Driver (Class DJ License), which allows for teens under age 18 to drive under certain restrictions.  Following successful completion of this phase, as long as certain criteria are met at age 18, a teen can be granted full driving privileges.

The key here to educating the young driver is practice. As parents or guardians of the new teen driver, we should spend as much time as possible helping the newly licensed driver to practice their new skills behind the wheel.

New York Fraud Laws and Auto Insurance

Insurance statistics show that since the youthful driver is significantly more likely to have an accident than a typical adult driver, so there will be a higher premium charged when the youthful driver is added to the parents’ policy.

There is a temptation then to “forget” to add the new driver to the auto policy or not list the new driver on your renewal questionnaire in order to save money even though the child is driving Mom or Dad’s car. We caution you against this practice. The State of New York has certain fraud laws in this area that will allow an insurance company to deny a claim in the event the driver is an undisclosed household operator. In addition, the Attorney General has the ability to fine the policy holder in the range of thousands of dollars.

Insurance-Friendly Cars for Teens

The decision is made. You want to buy your son or daughter their first car. It will be in your name and properly added to your policy. But what to buy? You know it's not only the car model you have to consider. You also have to think about the impact the car will have on your auto insurance.

Insurance companies surcharge youthful operators in three areas:

• Liability
• Comprehensive (theft)
• Collision (damage caused to the vehicle in an accident)

If you choose a vehicle that may be older, and does not require comprehensive or collision (a lower value vehicle) the premium will be considerably less than a newer one which will require full coverage.

Because we represent many different companies, our experts at the Putnam Record Agency can help you make the right decision when buying that first car for your teenager.