teen driver expectations - Spencer Insurance Agency, Inc

A few thoughts. . .

  

 

 

I apologize if I am repeating myself but we seem to be the last to know some important changes in our client’s lives.  Many of life’s events have a huge impact on your insurance. I spoke to a friend recently whose son needed to use an Uber driver frequently.  The Uber driver suggested he call him directly and not use the Uber app and he would give him a discount.   Sounds good at first but it is a nightmare for you.  If the Uber driver does not use the Uber App when picking you up then the driver has no insurance coverage for his car. Uber won’t cover him in this case and the personal auto policy has an exclusion for this activity.  Scary, but as I said we are always the last to know important information.

Please contact us and discuss your situation if any of the following life changing events.

  • You are getting married
  • You are getting separated or divorced
  • Having a baby
  • Sending a child to live at college
  • You are putting your house in your children’s name
  • You are putting your house in a trust
  • You are downsizing and preparing for retirement
  • You have unrelated adults living in your home
  • You or your child uses your car for food delivery and/or for Uber or Lyft

Our insurance companies have ways to accommodate most situations but not all.  Contact us to discuss your personal situation. Better to contact us before you do any of these life events so we can discuss how to adjust your insurance coverage so you are properly protected.

Life events have an impact on your insurance coverage.

    

Many life events can have a dramatic effect on your insurance coverage.  That is why Spencer Insurance Agency has a section to cover this on our website.

Let me highlight a few:

  • Separation/Divorce – Should one of the spouses move into an apartment, that spouse is no longer a resident of the previous household. That could have an impact on your homeowner’s and auto coverage if you are not a named insured on the policies.  Your contents at the house or new apartment may not be covered and if you rent a car you may not have coverage for the rental car you rent when on vacation.
  • Changing the deed of the house to a trust – You should let us know so we can update the named insured and possible additional insureds to be sure all parties to the trust have the proper coverage.
  • Putting the deed to the house in the name of children – You may decide to do this for estate purposes. Just make sure you let us know as we need to make sure the children and parents have the proper coverage.  Many times the parents will have a life tenancy agreement allowing the parents to live in the house for their lifetime even though the ownership of the house is in the name of the children.
  • Unrelated person in the household – Do you have someone living in your home that is not related to you? If so, there may be no coverage for that person on your homeowner’s policy. Check with us to make sure you have the proper coverage for this unrelated resident.

Insurance companies have ways to accommodate most situations. Did you realize if you are living with a significant other that you may be able to combine auto policies and receive a discount for having multiple cars on the policy?  You may even be able to have a renter’s policy covering both of you which would give you a multiple policy discount. Times have changed and Spencer Insurance wants to make sure your policies keep up with the changes in your life. Contact us to review your policy.

5wayssaferteen  grandkids-on-car

 

October 16th – 22nd is Teen Driver Safety Week. 

Please share this short video with your Teen Drivers.  Pass it on to a parent you know who has a teen driver.
Did you know that Spencer Insurance has a website dedicated to the “Parents of Teen Drivers?”  Check it out!  Let your friends and family know about this valuable website.

Check out our Facebook page these weeks for more tips and videos.

We hope you find this information helpful.  Spencer Insurance Agency wants to help you protect your family.

Have a great week,

https://spencerinsurance.com/3234-2/

Have a Teen Driver? This summer is the time to brush up on their driving skills!

teen-driver5

When teen drivers get a permit, parents spend many hours training their teen drivers. As parents we want to make sure our teens are safe when driving and develop safe driving skills.

Many parents stop training their teen after they get their license.  Why???  Summer is a great time to drive with your teen driver to observe their driving habits and help them develop new driving skills.  When we vacationed in Maine or New Hampshire I would let my teen drivers take over the wheel while on the interstates and rural roads.  We don’t have a lot of rural roads around our neighborhood so having them drive in New Hampshire and Maine sharpened their driving skills.

So if you are down the shore, up in the mountains or in another state make sure you let your teen drivers take over the wheel and get some experience.  Help them develop new safe driving skills.

Try this all times of the year.  In the Fall we have slippery roads due to falling leaves, in the winter there is snow and ice.  Take them out during these times even if just in a parking lot to learn how to drive in these conditions.

Check out our many tips in our Parents of Teen Drivers Website.  Call us at 215-885-2200 if you have any questions or would like a second opinion on your car or home insurance costs and coverage.

Know someone who has a teen driver?

teen-driver5

Spencer Insurance has a website just for the “Parents of Teen Drivers.” Check it out.

The website is rich in tips on how to prepare your teen to become a safe driver. We team with parents to help them with some content when you spend the hours needed practicing before your teen can take the exam. We have 16 hour long steps on topics a teen needs to know before they start driving. Get our “Safe Teen Driver Course.”

Check out our Parent/Teen driving contract so your child knows the consequences of certain driving behaviors. We also have links to the surrounding states Department of Motor Vehicles so you can know the law.

Call our office when your son or daughter gets their permit and we will send you our “Teen Driver Kit.”

We wish you the best in teaching your child to become a safe teen driver.

October 19 – 25, 2014 is National Teen Driver Safety Week

texting and driving

Spencer Insurance is committed to Teen Driver Safety. During National Teen Driver Safety Week our agency will be posting valuable tips all week on our Facebook Page about Teen Driver Safety (https://www.facebook.com/spencerinsuranceagency). Check us out. Go to our page and click “Like” so you will be sure to receive these valuable tips.

Have you checked out our “Parents of Teen Drivers” website? This website provides parents valuable information as they undertake teaching their teen driver to be a safe driver. Some of the content we share is:

  • Tips and Suggestions including a “Teenager – Parent Driving Contract”
  • A list of driver education schools in the area
  • Valuable links including links to Pa, NJ and DE Department of Motor Vehicles
  • A link to our “Safe Teen Driving Course” which provides 16 lessons for parents to use when they are completing the 65 hours of mandated adult-supervised skill building with their student driver.

Go to our “Parent of a Teen Driver” website for this valuable information.

The Children’s Hospital of Philadelphia Research Institute has a special website to support National Teen Driver Safety Week. Go to our “Parents of Teen Drivers” website to link onto this site. CHOP provides Stats and Facts along with additional links and multimedia presentations.

Spending some quality time teaching your teen driver to be a safe driver is one of the best things a parent can do to keep their child alive. Teaching by example is the most effective technique. Today, cell phone distraction has become the number one killer of teen drivers, surpassing the number of teenager drinking and driving deaths. What example are you showing your teen driver?

Let Spencer Insurance help you by taking advantage of the material we provide on our “Parent of Teen Drivers” website. And . . . don’t forget to review your auto insurance to make sure you have enough protection as you are 5 times more likely to have an accident in your household if you have a teen driver.

 

 

 

 

 

 

 

 

http://www.teendriversource.org/more_pages/page/support_national_teen_driver_safety_week_now_for_parents/for_parents

We are excited to announce our Re-Designed Website for the Parents of Teen Drivers

We are excited to announce our re-designed Spencer Insurance Teen Driver Website designed for the parents of Teen Drivers!
This Website is designed specifically to help the parents of teen drivers. I remember the highs and lows of teaching my four children to drive.  Actually my wife, Tammy did a much better job of teaching our children how to become safe drivers.  I wish we had the tools available to you when Tammy and I were teaching our four children to drive.
On the website we have many tools to help you:

Make sure you talk to us about reviewing your auto insurance policy to make sure you have the proper coverage now that you have teen drivers.  I would also recommend you purchase an umbrella policy.  Call us today at 215-885-2200for a review of your coverage!

Your friends at Spencer Insurance Agency, Inc.,

Tools for the Parents of Teen Drivers – Lesson #3

Picking up the keys

Lesson #3

(Parking… and we don’t mean at the drive-in!)

Most new drivers are afraid to park the car because they are not comfortable judging the distance from their bumper to the other car.  If the braking exercises were effective in Lesson 2, your teen may be doubly apprehensive.  However, before they can venture onto the road, they must be comfortable with all the dimensions of the vehicle.

For this exercise practice all types of parking.

Safety Tip:  Begin your parking exercises by using empty plastic trash cans to designate the other vehicles.

 

Don’t forget to show your teen how to set (and take off) the parking brake when parking on a hill.

 

Lesson #3

(Parking Lot)

Orientation

(15 Minutes)

Grade

(A, B, C)

Comments, Praise   and

Areas of   Improvement

 

Review   Previous Lesson

   
 

Safety   Check

   
 

Discuss   Today’s Lesson

   

Driving Experience

( 1 Hour)

Grade

(A, B, C)

Comments, Praise   and

Areas of   Improvement

Introduce   New Skill:

Parking

   
 

Straight   In Parking

   
 

Angled   Parking

   
Parallel   Parking (Use Trash Cans as Cars)    
 

Parking   on a Hill

   
 

Practice   Backing

   

Review

(15 Minutes)

 

Comments, Praise   and

Areas of   Improvement

 

Parking

   
 

Scanning   the Road

   
 

Blind   Spot

   

 

 

Additional Comments:

 

 

Skills to review for next lesson:


Tools for the Parents of Teen Drivers – Lesson 2

Picking up the keys

Lesson 2

(No shopping cart races)

Start this lesson with a review of Lesson 1 and summarizing the skills you will be teaching today.  The emphasis of this lesson should be on vehicle control and stopping the vehicle.

While driving it is important to be aware of where all the vehicles are on the road.  In order to monitor the other vehicles on the road, a driver must effectively utilize his/her mirrors.  This would be a good time to demonstrate the blind spot.  While the auto is parked, stand in the blind spot to help your teen adjust the side mirrors.  They will not realize until you physically show them this spot is real!  Note:  the side mirrors need to be adjusted out, you should only see a TRACE of the side of the auto.  The KEY is what is next to the auto and outwards.  The teen needs to KNOW all autos are different; some vehicles have larger blind spots than others.

Safety Tip:  Apply the small convex mirrors to both side mirrors. These mirrors increase the view TREMENDOUSLY!

                      

One of the top 5 mistakes teens make is following too closely.  They do not realize the distance it takes to stop a vehicle.  Once your teen is feeling a little more comfortable behind the wheel, have them simulate an emergency stop.

Safety Tip:  Walk off the distance it takes to stop the vehicle from various speeds.  Try using the marked white lines or bring a few cones to mark the distance. This process will help your teen realize just how long it takes to stop the car.  Stress how the distance will increase at highway speeds.

 

Most vehicles on the road today are equipped with the ABS (Anti-Locking Brake Systems) safety feature.  Try to engage this safety feature today.  Depending on the size of the parking lot you are using, this may be difficult to do.  However, it is important for your teen to experience this safety feature in a controlled environment for the first time.

Lesson # 2

(Parking Lot)

Orientation

(15 Minutes)

Grade

(A, B, C)

Comments, Praise   and

Areas of   Improvement

Review   Previous Lesson

Safety   Check

Discuss   Today’s Lesson

Driving Experience

( 1 Hour)

Grade

(A, B, C)

Comments, Praise   and

Areas of   Improvement

 

 

Review   Starting

Review   Stopping

Review   Turning  Introduce   New Skill:  Scanning the Road

Scan   Forward

Scan   Side to Side

Blind   Spot

Use   of Mirrors  Introduce   New Skill:

Backing

Backing   Straight

Turning   While Backing

Review

(15 Minutes)

 

Comments, Praise   and

Areas of   Improvement

Scanning   the Road (Anticipating Problems)

 

Backing

Good   Points

 

Additional Comments:

Skills to review for next lesson:


Tools for the Parents of Teen Drivers – Lesson #1

Picking up the keys

Lesson #1

(Letting Go is hard to do!)

Safety Tip:  MAP or visually locate the POLES and other FIXED obstacles in the parking lot.  Locate pedestrians, bikers and boarders. DO not forget, you might be sharing the parking lot.

Start slowly by taking your teen to a deserted school or church parking lot.   The first day should be conducted under ideal driving conditions.  Find a place with wide open space and no traffic.  Limit their speed to no more than 15 mph.

Make sure your teen is comfortable accelerating, braking and turning.  The object of this lesson is for them to become comfortable behind the wheel and feel in control of the vehicle before driving on a public road.  It is imperative that you correct any improper use of technique before a habit can be formed.

This is a learning experience for your teen as well as for you, as an instructor.  Determine your teens’ skill level and observe how your teen learns.  One of the most common mistakes you can make as an instructor is to assume your teen is familiar with driving or the operation of the vehicle.

Safety Tip:  Driving instruction is NOT just while the teen drives. YOU should be engaging the teen driver while you drive (even the pre-teen).

Start the lesson with you acting as the instructor and end the lesson with your teen acting as the instructor.  One of the best ways to learn a subject is to teach the subject.  By reversing roles, your teen will be demonstrating their full comprehension of the lesson.

This lesson may need to be repeated several times before both of you are comfortable venturing onto a public road.   There is no need to rush this phase of the process.  Make sure your teen is comfortable behind the wheel before moving on to the next set of skills.

   Safety Tip:  Use games to teach your teen about driving.  For example:

  1. Spot the loser – Identify the worst driver on the road.  Have your teen explain the errors the driver is making.
  2. Count the errors – See how many errors you can see other drivers make.
  3. Predict the move – try to predict the next move of the other vehicles on the road.

Your teen is and HAS BEEN thinking driving is easy. They do NOT know all the decisions you make as you drive down the road.  Don’t just tell them; tell them WHILE you are processing the decisions.

 

Lesson #1

(Parking Lot)

Orientation

(15 Minutes)

Grade

(A, B, C)

Comments, Praise and

Areas of Improvement

 

Vehicle Safety Check

   
 

Adjust Seat & Mirrors

   
Review Vehicle Controls & Gauges    

Driving Experience

( 1 Hour)

Grade

(A, B, C)

Comments, Praise and

Areas of Improvement

 

Starting the Engine

   
Engaging the Transmission    
 

Use of Mirrors

   
 

Moving Forward

   
 

Acceleration

   
 

Braking

   
 

Stopping Distance

   
 

Turning

   
 

Orientation on the Road

   

Review

(15 Minutes)

 

Comments, Praise and

Areas of Improvement

 

Stopping Distances

   
 

Orientation on the Road

   
Scanning the Road (Anticipating Problems)    
 

Good Points

   

 

Additional Comments:

 

Skills to review for next lesson:


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