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Top 5 Reasons Why Teenage Drivers Are So Lethal on the Road

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Teen Car crash

Six U.S. teenagers die in road traffic accidents every day — a lot of deaths by any measure. In fact, according to statistics from the CDC, more teens die in auto crashes than for any other reason. It’s sobering, isn’t it? Especially if you are a parent of a teen driver about to hit the road in the next few weeks.

Research shows that the first six months are the most dangerous for a new driver, with more accidents happening during this period than at any other time. So, if your son or daughter has just gained their driver’s’ license, you should definitely read this article.

, and not just amongst young drivers. In 2015, more people were involved in auto accidents than any previous year since 2007. A combination of cheap fuel and a booming economy have boosted car ownership to record levels; however, while there are more vehicles on our roads, modern technology means newer vehicles are now safer than ever. Why, then, are teenage drivers so dangerous and is there anything we can do to make them safer?

red-traffic-light

1. Poor Judgement

Teenage drivers are , period. Unlike a mature adult who has been driving for twenty years or more, a newly qualified teenager lacks the experience to recognize a hazardous situation ahead. They don’t have the judgement to know what to do when things go wrong, so they are more likely to make a mistake. Unfortunately, all it takes is a split-second mistake for you to be in the middle of a five-car pileup on the freeway.

texting-and-driving

2. Distracted Drivers

Distractions are the biggest cause of road accidents in all age groups. Modern technology is there to make driving — and other areas of your life — easier, yet things don’t always work out ideally. Smartphones and other devices are arguably the biggest distractions.

We all know the dangers of texting while driving, but teenagers are more likely to check messages and social media while behind the wheel. They are all about breaking rules, so as much as you nag them about cellphone usage when driving, it’s very difficult to stop them from doing so.

peer-pressure-car

3. Peer Pressure

Peer pressure is another contributory factor in many teenage road accidents. Once teenagers invite passengers into their vehicle, they are more likely to indulge in risky driving behaviors, such as speeding, driving recklessly, tailgating vehicles in front and running red lights. Driving like a character from Fast and Furious is seen as “cool”, and with many teens always looking to impress their friends, they are susceptible to peer pressure.

Unsurprisingly, male teen drivers carrying male passengers are at the highest risk. Interestingly, those carrying female passengers don’t drive as recklessly, perhaps because they’re hoping she might be so impressed by their safe driving as to go on a date with them.

Teens drunk-driving-hitting-man

4. Driving Under the Influence

Many teenagers like to drink, so it follows that many of them drink and drive. Teenagers are more likely to drive under the influence of alcohol and then be involved in an accident than any other age bracket. In fact, 24% of male teen drivers involved in a fatal crash had been drinking.

It is less socially acceptable to drink and drive for older people, but for teenagers it is almost seen as a badge of honor to get behind the wheel after drinking alcohol. Teenagers are also more likely to ride with a driver who has been drinking.

putting-on-seatbelt

5. Belt Up

Wearing a seatbelt dramatically reduces the risk of fatalities in road accidents. Sadly, an absurdly high 64% of teens killed in fatal auto accidents in 2014 were not wearing a seat belt.

Compared with older drivers, teenage drivers are much less likely to wear a seat belt when they get behind the wheel. In fact, according to , only 61% of high school students say they always wear a seat belt when they ride in friend’s car, so clearly the message about ‘belting up’ isn’t seeping through to the younger generation.

Education is the key to safer driving for younger drivers. Most teenagers are resistant to following rules, but showing them the consequences of their actions, whether by driving recklessly or not wearing a seat belt, can sometimes be enough to make them behave safer on the road.

Some American states have also introduced a graduated driver’s license, so new drivers have to wait six months before they are eligible for a full driver’s permit. The onus is also on parents to implement strict rules about risky behaviors, such as cellphone use when driving.

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3 Sneaky Auto Insurance Practices You Should Look Out For

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Signing car insurance papers

No one likes insurance scams, and you definitely wouldn’t want to fall for one.

If you’re in the market for a new car, you’ll of course need a good insurance policy. Per usual, the first course of action is to figure out what to do with your previous vehicle (assuming you have one).

There are usually four primary options available to you: trade the car in, sell it, junk it, or give it away (for instance, if you lived along the California coast, you could look for ways to ).

After considering your options, you can move forward with choosing a new vehicle and deciding what to do about your insurance policy. Stay with your current provider? Switch and get a new one? Either way, it’s crucial that you use this transitioning stage to re-examine your policy, identify any red flags, and learn more about the industry. There are many tricks that auto insurance companies use to avoid paying for claims, so the more educated you are about these types of tricks, the better you’ll be able to react if you’re being targeted.

With that in mind, here are three sneaky auto insurance tactics to keep an eye out for:

1) Outrageous Claim Denials

The auto insurance industry is riddled with outrageous claim denial stories. In these cases, a person who deserves to receive funds for medical expenses or other claims are denied for ridiculous reasons. There’s a reason for this. Although all auto insurance companies have a public-facing side that frames their company as on the side of their policyholders, the truth is that many companies reward their employees for their ability to deny claims and sneak their way out of paying for claims rightfully. In fact, Tom Wilson, the CEO of AllState, was as saying, “Our obligation is to earn a return for our shareholders.”

One of the most famous examples of outrageous claim denials is the , who was wound up in a coma for 9 days after a bad car accident. After she came out of her coma, not only was she confined to a wheelchair, but awoke to an incredibly high medical bill. As she worked to get her bill paid for through her insurance agency, she was shockingly denied because Farmers Insurance claimed that the other driver hit her intentionally, and therefore she was not actually involved in an “accident.”

This case exploded in the media, and Farmers Insurance eventually paid out the claim after much public outcry. If you ever find yourself in a similar position, the best thing to do is to try and get as much exposure as you can; talk about it on social media, encourage others to share it, and call up your local newspapers and television stations.

2) Delay Policy Claims

Delaying policy claims is the one of the oldest tricks in the auto insurance book. With this tactic, the auto insurance company purposely delays a claim in the hopes that the policyholder will simply give up. And there are many different ways auto insurance companies will delay a claim. They might leave the policy holder on the phone for hours at a time, giving them the runaround.

One insurance company, Conesco, who bundled auto and life insurance policies, received bad press when they started sending the wrong forms to their policyholders, forcing them past the deadline. One profiled the story of Mary Rose Derks, who was denied her claims to move into an assisted living home multiple times, each time for a different reason.

“Interviews by The New York Times and confidential depositions indicate that some long-term-care insurers have developed procedures that make it difficult — if not impossible — for policyholders to get paid,” the article states. “A review of more than 400 of the thousands of grievances and lawsuits filed in recent years shows elderly policyholders confronting unnecessary delays and overwhelming bureaucracies. In California alone, nearly one in every four long-term-care claims was denied in 2005, according to the state.”

3) Too Much Fine Print

Like every other agreement you might sign, there’s a lot to be said in the fine print. And unfortunately, the majority of people don’t read the fine print… ever. In fact, one found that 91% of Americans agree to the Terms of Service without ever actually reading it. And the fine print can completely ruin your claim and hurt your ability to take care of yourself and your property after an accident.

It’s important to go through the fine print in your policy, and to stay up to date with any changes that may occur in your policy. If you have legal representation, have them take a look at it and point out any potential issues that may arise.

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Follow These 5 Tips Before Heading Out With Your Car In Winter

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New-Nissan-X-Trail-Rogue-snow

Severe weather conditions can be really dreadful for travelers of all walks.

Driving should never be taken lightly. Winter storms and other bad weather conditions in particular can prove difficult for any driver or vehicle, so if you are planning a trip during the winter months, it’s crucial that you check the condition of your car beforehand.

In this article, we look at five important car checks you must make to ensure a safe drive during winter.

Tekmetrics Auto Shop Software

1. Get Your Car Serviced

One of the most important things is to have your car serviced before you heading out with it. Regular servicing and maintenance checks can be very helpful in detecting any sort of issues, and if you’re in the United Kingdom or any other country with a similar requirement, the annual MOT test to assess vehicle safety, exhaust emissions levels and other aspects of roadworthiness will bolster your peace of mind.

Needless to say, from a reliable car service centre should be a mandatory part of your check list.

Car engine coolant

2. Top Up Engine Coolant With Antifreeze

The engine coolant should be a mix of 50/50 water and antifreeze. Antifreeze becomes diluted over time, so you need to top it up every now and then.

People often make the mistake of topping the antifreeze with water, which makes it over diluted and causes it to freeze during very cold weather. This could potentially lead to you engine overheating and, consequently, a huge repair bill. Don’t be that guy or gal!

Car Floor Mats

3. Install Floor Mats Correctly

Driver-side floor mats that are installed improperly could interfere with the operation of a vehicle. The can jam the brake pedal, accelerator or the clutch, possibly leading to an accident.

To minimize or even eliminate this risk, use properly-sized floor mats that fit your vehicle, follow the manufacturer’s instructions for installation, and make sure they are secured with any applicable retention clips.

4. Check Condition Of The Tyres

Like the steering wheel and brakes, car tyres play a critical role in operating your car safely, so it’s important to ensure that they are in good condition.

Check tyre condition for the right air pressure and tread depth. Compared to the minimum of 1.6mm for any other season, a minimum depth of 3mm is required for sufficient grip during winter. Ideally, you should replace your summer and even all-season tires with winter tyres for superior grip in slushy or icy roads.

5. Keep A Safe Distance

One of the most important driving tips to follow regardless of season but especially during winter is to leave plenty of stopping distances (#StoppingDistance ) between you and the car in front to ensure that there is enough room to stop when the road is slippery and / or the snow and slush start flying onto your windshield.

You must also accelerate and decelerate slowly to avoid spinning your wheels, which requires that you understand your car’s driving characteristics (e.g. is it front wheel drive, rear wheel or a all-wheel drive?). And don’t forget to clean your lights, wash the windscreen and wipers, and check the condition of the battery before beginning your journey.

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5 Car Warning Signs That You Shouldn’t Ignore

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Man inspecting car breakdown

Ignoring these car warning signs could cause you a lot of money and your peace of mind.

We’ve all been there — one day you’re driving along worry-free when suddenly you notice a small problem with your car. Everything else seems to be fine though and you don’t really have the time or money to have the issue addressed, so ignore it, hoping that the problem isn’t big enough to warrant immediate attention.

However, what may seem like a small problem could actually be a large one. If you notice any of the signs mentioned in this article, it’s better to get your car checked out sooner rather than later. Doing so can help prevent further problems and even save you money in the long run.

1. The Check Engine Light is On

One of the most commonly ignored problems is the check engine light. This little light seems to turn on in the instrument cluster even though everything with the car seems to be fine, so we leave it alone and hope that it turns itself back off, which usually doesn’t happen.

If your check engine light is on, it’s imperative that you figure out the cause as soon as possible. You can do it yourself by buying an engine code scanner and then looking up the retrieved code online, or you can take your car to the shop. Many places will read engine codes for free or allow you to borrow a tool to .

Once you figure out why the light is on, you can decide on an appropriate course of action to take to repair the issue and get that light off.

The check engine light could be on for something minor or the first warning sign of a major issue, but you wouldn’t know without looking into it. Don’t put this off once the light turns on.

2. There’s An Odd Smell

Next, if your nose picks up any odd smells from the car, this is typically a sign that something is wrong. The type of odor you detect will help you to pinpoint what exactly is wrong with the car.

For instance, if you smell something sweet, this could mean that you’re leaking antifreeze. If the smell is more like burning rubber, there might be an oil leak.
All leaks are bad, so , have a professional figure out the issue to have it addressed pronto.

3. You Hear A Loud Squeaking

Besides using your nose to detect problems, you can also use your ears. If, while driving along, you hear a loud squeaking sound, this is often an indicator that you have a problem with your brakes.

According to this “Your vehicle’s brake pads may be equipped with a small, thin piece of metal to act as a warning indicator when the pad material is getting low and the brake pads should be replaced. This device makes a high-pitched sound on brake application, letting you know it’s time for brake service.”

The sound may be audible while you’re driving and disappear when you apply the brakes, or vice versa. Either way, you don’t want to drive along past the point where your brakes are no longer working, so get yourself some new brake pads as soon as you can.

4. Black Smoke Coming From The Car

A major sign that there’s an issue with your car is when you see and/or smell smoke. The smoke could come from the exhaust, from under the car, or from inside the hood, but no matter the source, it’s an indication of a major problem.

The best course of action when you smell smoke i.s to stop driving and get the problem taken care of. Not doing so could result in your car catching fire, posing a risk to everyone inside the vehicle and even in close proximity to it.

While the appearance of smoke could result from simply needing an oil change, the problem is usually more severe. The only way to know is to have a mechanic check it out.

5. Difficulty Starting The Car

Finally, if you’re having trouble starting your car, this is often a warning sign that one or more of its components are failing. If it takes your car a few tries to start up, but it eventually does, you may be tempted to ignore the problem and assume it’s just a one time thing. However, there’s a good chance that the next time you turn on the ignition, it won’t turn over.

A car may have difficulty starting for a number of reasons. Maybe the battery is dying or there isn’t enough gas. May a major component like the distributor or starter is failing. Regardless of the cause, trouble starting up is a symptom that should never be ignored. It’s better to get it taken care of right away before your trusted car dies for good.

Don’t Wait for Problems To Get Worse

While it may be an inconvenience now, driving around a car with problems will only make your life more difficult in the long run. Putting aside time for proper car maintenance could save you some money, keep safer on the road, and provide you with peace of mind.

The next time you detect one of the warning signs above, don’t wait — get it taken care of right away. You’ll be happy that you did.

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