Understanding that driving is the single most dangerous teen activity, we must ask ourselves; why do we let our teens drive?

The answer is simple; driving is an important, arguably compulsory, skill to have as a member of today’s society.  As a teenager, a driver’s license offers a chance to take on huge responsibility from a new kind of freedom. Independent mobility for young adults encourages self-supporting behavior that opens the door to new opportunities such as first jobs, sports and other extra-curricular activities.  

As the parent of a new driver one understands that driving is expensive by nature.  In order to achieve the benefits described above, investment is required.  Initially, there are expected costs; new/used vehicle, auto insurance, fuel, vehicle maintenance, etc.  But there is also the potential for unexpected costs.  These costs are much higher and far more likely for an unregulated teen driver.  The reason young driver car insurance is so expensive is that “crashes involving teen drivers ages 15 to 17 cost American society more than $34 billion annually in medical expenses, lost work, property damage, quality of life loss and other related costs.” These costs are added to the possible emotional tragedies and physical injury at the crash scene.  

Autobeacon’s comprehensive solution will not only significantly reduce the likelihood of unexpected and societal costs of a teen crash, but also lessen a parent’s initial costs through short and long term insurance discounts. Other costly problems that result from dangerous driving such as speeding tickets and vehicle repair are also prevented.

 

Insurance Discounts 

Using autobeacon results in considerably safer teen driving, which significantly lessens the likelihood of insurance claims to repair damage caused by an accident.  In response, insurance companies may offer substantial discounts on your premium

Talk to your insurance company about discounts if you use autobeacon.

A discount comparable to those available for less comprehensive products currently on the market could reduce your young driver’s policy by much more than what you spend on autobeacon. 

     

    Invest in your Child’s Safety 

    Consider that the cost of raising a child to the age of 18 for a middle income U.S. family is estimated to be $304,480.  But for any parent, the value of a child is outright immeasurable. 

    If you consider your child’s safety invaluable, consider autobeacon as a cost-effective way to ensure their safety during the most dangerous years of their driving lives.  In this context, the value is far greater and more effective than a security system on your home or an insurance policy on your car.

    Associated Costs of Dangerous Driving 

    Using autobeacon significantly reduces the likelihood of expensive traffic tickets & violations, accidents and insurance deductibles.
    Traffic tickets & violations are expensive and vary by state.
    • In some states, the minimum first offense fine for Reckless Driving is $6,250.
    • In many states, 20 MPH over the speed limit is considered reckless driving.
      Traffic tickets & violations typically cost around $250.  Repeat offenders can be subject to higher fines and driver’s license suspension.
      Texting while driving is outright banned in 46 states and the District of Columbia according to the Governors Highway Safety Association. In the remaining states;
      • Texas: bans texting for school bus drivers and drivers under age 18.
      • Missouri: bans text messaging for drivers under age 21.
      • Arizona: bans cellphone use by school bus drivers
      • Montana: no texting regulations
        Tickets issued for texting and driving average $400 but can cost up to $10,000 in some states.
        Violations of teen GDL (Graduated Driver’s Licence) laws generally result in license suspension in addition to fines and licence reinstatement costs upwards of $500  before accounting for increases in insurance.
        Deductibles for insurance claims after an accidents are usually $200, $500 or $1,000.

           

          Low Relative Cost 

          • Autobeacon costs 68¢ per day.  
          • The average American spends $3.00 per day on coffee
          • The average American dog owner spends $4.22 per day on their pet
          • The average American household spent $11.38 per day on gasoline in 2011

             

            Increases in Insurance 

            After an accident, insurance premiums rise by an average of 41%. In some states, rates increase by up to 76%.
            After a violation or ticket, rates can increase by several hundred dollars per year (up to $1,000 or more per year) depending on age, past driving history, state and insurance company.
            Car accidents and violations during teen years can increase insurance costs for almost a decade, as insurance rates often do not decrease until a person is about 25 years old.
            Put into context, autobeacon could save you thousands during the first few years of teen driving. Savings on avoiding potential insurance premiums could lead to persistent savings for decades. 

               

              Associated Costs of Rapid Acceleration and Rough Braking


              Rapid Acceleration:
              1. Drivers that accelerate rapidly use substantially more gas than those who pick up speed gradually and let the car build momentum.
              2. This effect is compounded while driving in cities or towns where frequent traffic lights require regular braking, reducing cost savings from vehicular momentum.  
              Over-Braking:
              1. Drivers who speed and thus use the brake pedal excessively will have to replace their car brake pads more regularly
              2. Brake jobs generally cost between $300 and $1,000
              3. Less braking activity is also directly related to fuel economy

               

              Costs of Legal Liability

              We’ve collected a few examples of the costs associated with legal liability for teens who are at fault for accidents due to behaviors preventable by autobeacon.

              Driving Under the Influence 

              "The mother of a Collier County teen who was injured in a car crash more than 10 years ago was rendered speechless when a jury awarded her $60 million in damages in court on Friday." 
              "Joan Antonuccio's daughter, Angela Crowe, was paralyzed after a 2003 car crash in which she was a passenger. Her boyfriend, Isaac Steves, was driving while drunk. He was later arrested for driving under the influence."
                "The teen’s family, however, may not need to worry about affluenza for long because five civil lawsuits have been filed against the teen, his family and the family’s company. Victims are seeking in excess of $1 million in damages, and could collect personally from the family’s assets if their insurance coverage is not sufficient to pay for all of the losses and damage caused by the teen driver."
                  "Adams was later charged with aggravated assault causing serious bodily injury (Texas Penal Code section 22.02(A)(1)); he pled guilty and was sentenced to ten years probation.”
                    "A more recent New York case is an example of how negligent parenting can lead to criminal charges. In September 2009, 17-year-old Lars Haas was driving drunk when he ran a red light and hit a truck driven by 72-year-old Robert Meehan. Meehan was ejected from the truck and died from his injuries six weeks later. Lars Haas has been charged with aggravated vehicular homicide and DWI."

                      Cell phone use

                      “Georgia Teen Sued Over Snapchat use in High-Speed Car Crash Now Facing Criminal Charges”
                            "A married couple who were severely injured when their motorcycle was hit by a teen who was texting while driving has settled for $500,000."
                              "A Texas A&M student who caused a deadly wreck by texting while driving was ordered by a jury to pay $22 million in damages."
                                Badly injured in the July 15, 2012 wreck, Marilyn Mattei and her sons got some measure of good news recently when their lawsuit against the driver who was texting and the owner of that car was settled for $600,000, said their lawyer.

                                  Excessive Passengers 

                                  "Once control was lost, the car flew off the road, over the curb, and crashed through the garage of a home.  Three of the boys were wearing seat belts; the one passenger, who was not wearing a seat belt, died in the accident.  The driver was arrested and charged in his friend’s death."
                                    "$750,000 - Car accident settlement for a teenager who was injured while he was a passenger in a car that struck another vehicle in North Carolina."
                                      "$125,000 - North Carolina car accident settlement for a teenager who was a passenger in an SUV, which swerved to avoid hitting another car, overcorrected and overturned."

                                        Speeding 

                                        Georgia teen crashes and seriously injures man while driving distracted and “pushing 100 mph.”
                                          A speeding driver who was weaving in and out of rush hour traffic, lost control and injured our client as he walked down a sidewalk in Roswell, Georgia. ($900,000)

                                            General Legal/Financial Liability from Car Accidents

                                            Settlements from auto-related legal cases: http://terrellhogan.com/personal-injury-verdicts-and-settlements/