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GEICO is: proud to be the nation’s fastest growingauto insurerproud to serve more than 10 millionpolicyholdersproud to help spread the message on safedriving to new drivers and their families
GEICO produced DVDREAL TEEN DRIVING 4 real teens in real driving situationsin-car camerasno scriptsit’s all very, very real
2 months of taping by our videocrew captured day-to-day drivingsituations teens not bad drivers butinexperienced
new drivers make mistakes some mistakes are scary some mistakes are careless
we showed them how they were drivingthey were pretty surprised themselvesnow, let’s take a look atREAL TEEN DRIVING SHOW VIDEO
These are great young people smart, good grades, & class leaders and 3 out of the 4 of them gottraffic tickets shortly after we madethe video
What are your reactions to the video?does it look real? does it look familiar?
While researching the video, welearned some sobering facts:
motor vehicle crashes are thenumber one cause of death among13- to 19-year olds
in their first 6 months of gettingtheir license, 1 out of every 516-year-olds has an accident.
more than 1/3 of fatal teen crashesare speed-related
approximately 1 million teenagedrivers were involved in vehiclecrashes in 2009
Teens and safety belts:More than half of teens killed inpassenger vehicles in 2009 were notwearing their safety belts
Top 10 Tips experts believe the following tipscan help save young drivers frombeing in a serious crash
Top 10 Tips1)2)3)4)5)6)7)8)9)10)Develop the right attitude about drivingGet as much supervised practice driving as possibleALWAYS wear your safety beltUnderage drinking is illegal--drug use is ALWAYS illegalLimit your passengersLimit your night drivingKeep it slow and safe for startersTrain for poor weather conditionsCell phones are for emergency use onlyDrive a safe vehicle(You can go to www.trafficsafety.com for vehicle safety ratings)
We believe 3 important things:1) Driving is a privilege not anentitlement
2) Good, safe driving takes real skilland mastering it comes down topractice, lots and lots of practice
3) We support state graduatedlicensing programs
graduated driver licensing (GDL)allows new drivers to get practice indifferent driving situations
GDL eases new drivers ontoroadways by limiting their exposureto progressively more difficultdriving experiences
graduated licensing SAVES LIVES a 2006 study conducted by theNational Highway Traffic SafetyAdministration shows an 11 percentdecrease in teen crashes after GDLcomponents were adopted
GDL consists of three stages :learner’s permit intermediate (provisional) license full licensure
All 50 states have enacted some formof graduated driver licensing
To view information on local GDLlaws, visit the following sites: www.iihs.org www.nsc.org/
crashes in states with night-timeGDL restrictions have been reducedby 60 percent
For example, Michigan’s GDL lawshave shown a 26 percent reductionin crashes involving 16-year-olddrivers
Another example: North Carolina’sGDL laws have shown a 25 percentreduction in crashes involving 16year-old drivers
it is the best way to help teens getthe experience and discipline theyneed when learning to drive
license suspension or revocation fines community service jail time possible detention
probation may include: restricted use of car limited access to certain places orpeople mandatory submission to searches mandatory permission to travel a curfew
Costs add up: legal fees fines high insurance premiums
Let’s review:Q: What is the number one killer ofyoung people age 13-19?
A: It’s not drugs and it’s not violence.The number one killer is autocrashes.
Q: Do teens use their safety belts?
A: Less than 50% of teenagers killedin crashes were wearing their safetybelts.
Q: What are the greatest risks foryoung drivers?
A: Two major risks for new driversare:1) having multiple passengers in thecar--the more passengers, the greaterthe risk2) driving at night--the risk of a fatalcrash is three times higher at night,for every mile driven
Q: What’s one of the best things ayoung driver can do to stay safe?
A: Slow down--besides limitingpassengers and night time driving,teenagers need to slow down More than 1/3 of teenagers who diedin car crashes last year died in aspeed-related crash
one last tip: cell phones--respect them the most common distraction forteenagers while driving is probablycell phones pull over to the side of the road orinto a parking lot when using yourphone
How many of you know what autoinsurance covers? How many know what affects thecost of auto insurance? How many of you pay for your owninsurance?
There are 4 primary auto insurancecoverages:
bodily injury property damage comprehensive collision coverage
Key Terms
Limit:The maximum amount of protectionpurchased by the insured for a specificcoverage.
Limits of Liability:The amount specified in your policy upto which the insurance company willprotect you.
Condition:The portion of the insurance contractwhich outlines the duties andresponsibilities of both the insured andthe insurance company.
Bodily InjuryLiability InsurancePays damages for bodily injury or deathresulting from an accident for which youare at fault and provides you with a legaldefense. This coverage is subject to theterms, limits and conditions of yourpolicy contract.
Property DamageLiability CoveragePays for damage to someone else'sproperty resulting from an accident forwhich you are at fault and provides youwith a legal defense. This coverage issubject to the terms, limits andconditions of your policy contract.
ComprehensivePhysical Damage CoveragePays for damage to your car from theft,vandalism, flood, fire or other coveredperils. This coverage is subject to theterms, limits and conditions of yourpolicy contract.
CollisionPhysical Damage CoveragePays for damage to an insured vehiclewhen it hits or is hit by another car orobject, or if the car overturns. Thiscoverage is subject to the terms, limitsand conditions of your policy contract.
Rules: designate one player on your teamas the spokesperson when a question comes on thescreen, work with your team tochoose an answer
whenyou know the answer, yourspokesperson should raise theirhand the team with the first hand upgets an opportunity to answer
ifthey get the answer wrong, theteam that put their hand up secondgets an opportunity to answer, andso on one correct answer one point the team with the most points atthe end of the game wins a prize
Let’s Begin
Question 1Which roads are most dangerous fordrivers? Urban Rural
Answer 1Rural
Question 2What month has the highest number of crashdeaths? JanuaryFebruaryMarchAprilMayJune JulyAugustSeptemberOctoberNovemberDecember
Answer 2August
Question 3What day of the week has the highestnumber of crash deaths?Sunday Monday Tuesday Wednesday Thursday Friday Saturday
Answer 3Saturday
Question 4What day of the year typically has the mostcrash deaths? New Year’s Eve Memorial Day 4th of July Labor Day Christmas Eve
Answer 44th of July
Question 5What is the peak time during which mostdriving fatalities take place? 12 midnight to 2 a.m. 5 to 7 p.m. 7 to 9 p.m. 9 to 11 p.m.
Answer 55 to 7 p.m.
Question 6Which group has the highest policereported crash rate?Uninsured motorists Elderly drivers Teenagers Illegal residents
Answer 6Teenagers
Question 7What is the #1 cause of deathamong teenagers?Drug useCongenital health problemsVehicle crashes
Answer 7Vehicle Crashes
Question 8How many teenage drivers are involved invehicle crashes each year?80,000 800,000 1 million 1.6 million 3 million
Answer 81 million
Question 9Among teenagers, what age group is most likelyto die in a crash with a teenage driver? -year-olds
Answer 918-year-olds
a)b)c)d)e)f)g)Question 10What are important factors that causeteenage car crashes?Driving small or older carsDriving SUVsDriving at nightDriving over the speed limitDriving under the influence of alcoholor drugsLittle driving experienceAll of the above
Answer 10g) All of the above
Question 11What is the legal driving Blood AlcoholContent (BAC) level for teenagers?a) 0.02b) 0.06c) 0.08d) There is no legal BAC level
Answer 11d) There is no legal BAC level forteenagers. Any use of alcohol ordrugs is illegal.
Extra CreditWhat is the Gecko’s name?
Extra CreditGecko!
Teens can go towww.geicoteendriving.com to viewGEICO’s complete library of teen safedriving material, as well as the RealTeen Driving video
All of us at GEICO hope thisinformation will help keep our youngdrivers safe on the roads
THANK YOUandDRIVE SAFELY
GEICO is: proud to be the nation’s fastest growing auto insurer proud to serve more than 10 million policyholders proud to help spread the
