Best Car Insurance For Young Drivers

Questions and Answers

Your Questions About New Driver Car Insurance Advice

February 27, 2013

Charles asks…

I was in a car accident with no insurance but the other driver did ha?

it was NOT my fault the other driver ran a red light and hit my car. it took place in Missouri.
My car is badly damaged the other driver‘s just the bumper and fender.

any advice and procedures to get my car fixed please!!!

i will pay for her car damages of course, and yes i was an uninsured driver. the car was my dad’s and little did i know his insurance was expired. I have to by law right? even if it was her fault?

thanks!

Administrator answers:

No, by law her insurance will have to pay for your damages if she is found at fault for this loss. Despite what many people think, being uninsured doesn’t make you automatically at fault.

Michael asks…

How does a driver’s test work?

what kinds of questions do they ask, what will they want you to do, what does your vehicle require to take the test in and do you know what percentage it takes to pass or how long it will take to do it? i live in oklahoma btw and im takin it thursday… im sort of nervous and any advice would help!

Administrator answers:

If you’re taking the license test, I don’t think they go by percentage. I think they go by how well you obey the law and if the drivers license examiner feels comfortable with you driving.
When I went last year they asked mostly things like “how do you turn the high beam lights on? How do you know when the high beam lights are on? Where are the emergency flashers?…etc” the things they made you do were things like test to make sure the brake lights are working correctly, check to make sure your flashers are working correctly, show them your vehicle registration and insurance cards info… Etc. As far as on the actual driving you’ll want to practice your parallel parking. For me, i thought the parallel parking was the easiest part, but for a lot of people it’s hard so you’ll want to practice. You’ll also want to watch out for things while you’re on the test. Like:
lock the car doors before you drive off… Also be sure to adjust your mirrors and seat… Even if you don’t do this stuff every time make the person there think you do… It’s better to look safe
make sure you have both hands on the steering wheel:
make sure you check your mirrors frequently… They might say “what color car is behind you” and expect you to know.
Make sure you wear your seat belt
make sure you stay within the speed limit… It’s better to drive a few mph under the posted speed limit rather than a couple over
make sure you stop before stop sign lines(and come up to stop signs straight on… I got a mark for coming up to one a little bit at an angle)
use your turn signals frequently… It’s better to overuse them then to underuse them
be cautious of other drivers
do starts and stops smoothly… Even if you don’t always drive like this just do it for the test.
So pretty much, just make sure you’re extra careful for the test… Afterwards you can drive like normal(which isn’t to say you shouldn’t drive safely… You always should)
Also, don’t let the drivers license examiner make you feel nervous. They’re just doing their job. I’ll be honest, when I took my drivers license test I felt like an absolute idiot because I was being extra extra careful the whole time and the guy was treating me like an idiot…but I passed on my first try so what do I care what he thinks of me? I’ve never had to see him again, and if I ever did I probably wouldn’t know him, and I’m sure he wouldn’t know me.

Joseph asks…

What safe driving tips would you offer teens learning to drive?

A recent study of automobile accidents suggests that teens are becoming better drivers. What advice would you offer teens who are getting behind the steering wheel for the first time?
Read more:
http://ca.pfinance.yahoo.com/ca_finance_insurance/36/are-teens-becoming-better-drivers

Administrator answers:

TAKE A DRIVERS EDUCATION COURSE!!!!!

In my 33 years of driving I have not had a single traffic ticket or accident caused by me. I was t-boned last year because someone was not paying attention and flew through a stop sign. The same thing happened at the same intersection just the other day but I pay more attention to these intersections now and plan on raising this issue with the city, as more and more townhouses are forcing traffic onto side streets as short cuts.

I owe the fact I have survived this long with a safe driving record to the wonderful driving instructions I got through HIGH SCHOOL…because the Young Drivers course was offered AFTER SCHOOL for 10 weeks and what I learned there has been INVALUABLE and I am 100 percent confident that is why I am and always have been a good DEFENSIVE and ALERT driver.

Many drivers today, are clueless. Not just teens either. I believe our standards have diminished considerably when it comes to who should get the PRIVILEGE to drive a car, and perhaps it’s time we put the ONUS back onto government, who should make it MANDATORY that classroom instructions are taught to all future WOULD BE drivers in this country (Canada).

People today have no idea about the rules of the road, and are in such a hurry. Young drivers especially think they are invincible and let me tell you, you are not, and the safety of pedestrians has been greatly jeapardized as more and more motorists expect pedestrians to give THEM the right of way, and almost get annoyed at the inconvenience of having to stop at an intersection.

So my greatest advice, to most teens, who I KNOW have GOOD COMMON SENSE, is to take the time to take a good driving course, which teaches you many great things including getting to know your vehicle and it’s parts, safety and maintenance etc. You should know your road, your signage, your rights and your vehicle, as well as your responsibility as a person entitled with the right to drive. It could save YOUR life or the life of another.

And I agree…CELL PHONES should be banned…it’s the only way to get the dummies who think a vehicle was meant to be steered with one hand while their head is off in la-la land to listen.

I hold the government accountable for their inaction on that issue.

Does anyone even know that they should drive one car length behind a vehicle for every 10 miles they are doing? That is the distance you need to safely stop your vehicle. Show me anyone who drives that way anymore on the highway…when you do, they tell you that YOU are the one with the driving problem!!!

As parents I think you need to be the ones who need to be responsible in knowing if your child is mature enough to have the responsibility of driving.

Steven asks…

I was driving back from the supermarket when a boy racer went past me at stupid mph?

I got to the next roundabout about 2 miles up the road and guess what was rapped around a lamppost. I had a little chuckle as I drove past.
My question is…Why do new 17/18 Year old drivers complain about costs they have to pay to insure there car. LETS FLIP THE COIN…Look at the risks these insurance companies are taking insuring these liability’s.

Administrator answers:

I am an underwriter for a well known UK insurer. Our sales team constantly get abuse when they give quotes to young drivers, as they are naive and think that we are making huge profits out of them. In reality, we make a loss out of insuring young drivers. Many insurers have stopped covering them, and the only reason we still do cover them is so that we can get the business of their more experienced parents as families tend to all go with the same insurer.

To quote you the facts, one in four drivers aged under 25 will make a claim within their first year of driving. The average cost of those claims is £4,400, so as you can see, using those maths for every policy taken out, we pay out over £1000 just in claims. We then have to pay tax, make a contribution to the Motor Insurance Database and the Association of British Insurers, and pay our operating costs. Where is the profit there? If they do make a claim, they expect us to provide legal advice which does not come cheap, then there’s the personal injury claims which costs thousands.

Personally, I blame the number of people who rush through their tests. They book these intensive courses so they can pass as quickly as possible, but when you pass within a few weeks, you are not getting the experience of driving in all weathers, and in all conditions. You are learning the bare minimum needed to pass, and when you do pass, and you encounter a situation that you haven’t trained on, how do you handle it?

Betty asks…

How to respond to a demand for payment?

My un-licensed 16 yr old daughter was driving her boyfriends car. They were in an accident. My daughter was making a left turn and had the green turn signal to go…the other car was coming from the opposite direction, ran the light and broadsided them. The other driver stated my daughter ran the light. No tickets were issued. The car my daughter was driving was totaled. The other vehicle had minimal damage. Later we found that the boyfriend did not have insurance. No the other driver insurance company is subrogating. Is the boyfirnd solely responsible for letting an un-licensed person drive? Or are they (my daughter and boyfriend) responsible for paying back the money? Please advise, thank-you

Administrator answers:

You have one large mess on your hands and frankly there is no easy answer. If your daughter lives with you and you have insurance you might want to see if your company will provide liability coverage to her. It is a long shot but you never you know until you try.

Knowing what state this happened in would make it easier to get good answers. In many states the other insurance company will sue both the boyfriend and your daughter. However, many states will only put the liability on the driver because it was their actions that caused the accident. This is especially true in states where insurance is not mandatory.

I own a subrogation company that handles these types of claims for insurance companies against uninsured people. Unless there are independent witnesses to nail down who was at-fault, I would recommend fighting this. The odds are against your daughter as I have seen small claims court commissioners just ignore the traffic lights and put the person turning as at-fault. However, I still recommend fighting it if there are no independent witnesses.

Unless the other company has info from an independent witness they don’t have much to work with. At this point, you have nothing to lose by telling the other company that neither you or your daughter will voluntarily pay this. They will either drop the claim or sue your daughter/boyfriend. If they sue, your daughter/boyfriend are in no worse shape than they are in now. They may be able to convince the court that your daughter was not at-fault. In many states not having a drivers license will not be held against her. In others it could make the court think that since your daughter was unlicensed that she had no clue what she was doing. But again she is no worse off by going to court.

As I said the odds are against your daughter, but even if she loses she probably is not 100% at-fault for the accident. The other driver carries some comparative negligence and that should reduce what is owed if your daughter/boyfriend lose in court.

If you decide to make them sue, the best advice I can give you is to have both the boyfriend and your daughter appear in court. Both should be well dressed and be polite and calm. I have seen so many people show up in court and shoot themselves in the foot by wearing a stupid t-shirt and jeans to court and then swearing at the other party or disrespecting the judge or commissioner.

Good Luck.

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