teen driver/parent contract - 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.

Do you know someone who is a parent of a teen driver . . .

If you have a teen driver continue reading.  If not, forward this message to a friend or family member who is a parent of a teen driver.  You will be doing them a favor.

I remember when my four children were teen drivers. My head was spinning. I had to teach them how to drive safely and pay those high rates for car insurance.  Now that I have grandchildren I look forward to watching my children navigate through this process.

Spencer Insurance has help for parents of teen drivers.  Check out our website designed just for parents of teen drivers.

What is on the website?

  • A list of driving schools – email us if you know another good one.
  • Tips and suggestions
    • Parent – teen driving contract
    • 101 Safe Teen Driving Tips
    • 7 costly mistakes parent make
  • Links to the PA, NJ and DE motor vehicle sites to learn how to get a permit
  • A link to our “Safe Teen Driving Course”

Spencer Insurance understands this is an important and stressful time.  Let us help you navigate through this process.

Please contact us with any questions you may have.

“Your Protection and Peace of Mind is our only Business.”

 

Know someone who has a teen driver?

Parents: This Doesn’t Have to be a Stressful Time in Your Life. You Can Keep Your Teen Safe, Avoid Paying High Insurance Rates, and Get Peace of Mind!

I remember when our four children were teenagers and wanted to learn to drive.  UGH!

To be honest my children preferred to be taught to drive by their mother, Tammy.  Truth is Tammy has a lot more patience.  What did Dirty Harry say?  “A man has to know his limitations.  Thank you Tammy!

Spencer Insurance wants to help you!  Did you know Spencer Insurance has a website exclusively for the Parents of Teen Drivers?  Check it out!

This website will provide you:

Let us help you as you train your teen driver to be a safe driver.  Most importantly lead by example.  If you text and use your cell phone while driving what message are you sending your teen driver?

Good luck and call us at 215-885-2200 if we can be of any assistance.

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

Looking for a Safe and affordable car for you teen driver?

Picking up the keys

 

IIHS (Insurance Institute for Highway Safety) has released their 2014 Top Safety Picks for used vehicles to buy your teen driver. Research has shown that teen drivers aren’t driving safe cars.  The institute has put together a list of affordable vehicles that meet important safety criteria.

 

So if you are shopping for a car for your teen driver to use check out the list!

School is out! Time for that talk with your teen driver. . .

teen-driver5
Summer brings a break from school and an increase in the time your teen drivers spend in the car.

Here are a couple tips:

  • Spend some time with your teen driver in teaching them how to merge onto an expressway or interstate highway and practice changing lanes. Many of us will travel to vacation spots and use interstate highways. Why not use this as a teaching moment for your teen driver.
  • Set the rules for Teen Driving. Remind them of the National Highway Traffic Safety Administrations “5 to Drive Rules.”
    1. No cell phones while driving
    2. No extra passengers
    3. No Speeding
    4. No Alcohol
    5. Always buckle up.

Most accidents are caused by driver inattention and distraction. Stress safe driving habits with your teen driver.  Review the parent/teen contract on our website to set expectations for your teen driver. For more tips for parents of teen drivers go to our website at www.spencerinsurance.com.  This website is full of information for the parents of teen drivers.

 

Have a safe an enjoyable summer!

 

Distracted Driving – Not Just Your Cell Phone!

Dangerous Call

While distracted driving includes the use of cell phones, there are many other dangerous driving distractions.

In a web post (https://www.travelers.com/prepare-prevent/auto/distracted-driving/distracted-driving-statistics.aspx ), Travelers Insurance talks about the many distractions we face while driving.  The bottom line is that anything that takes your eyes off the road is a driving distraction.

Here is a list of some of the distractions and consequences mentioned in that article:

  • Cell phone use – Did you know during the average text your eyes are off the road the length of a football field? You are 23 times more likely to have an accident if you text while driving.
  • Eating – You are 2 times more likely to have an accident if you eat while driving.
  • Dropping a water bottle – Find a safe place and pull over to retrieve the water bottle. You are 9 times more likely to have an accident when you try to retrieve something.
  • Personal Grooming – Wait until you are in the parking lot. You are 3 times more likely to have an accident if groom yourself while driving.

There are many other distractions like reading, checking your GPS, changing the radio channel or CD, reviewing your IPod and looking at people in the back seat.

All of us need to be careful with driving distractions.  As summer approaches more teen drivers will be on the road.  Make sure you review the dangers of distracted driving with your family.  Driving is not the time to multi task.

For more tips for the parents of teen drivers check out our Teen Driver Website!

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