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03 Aug 10 Ten Tips to Keep Teens Safe Behind The Wheel

Jul 21, 2010 – 7:05:00 PM
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Ten Tips to Keep Teens Safe Behind The Wheel

Ten tips to keep teens safe behind the wheel, written for teen drivers but anyone can use these helpful safe driving ideas. Be smart and be safe behind the wheel of your car.



(ARA) – Waiting for a teen driver to return home safely probably causes the most anxiety and lost sleep for parents. And with good reason – car accidents are the leading cause of death among teenagers, accounting for 35 percent of all fatalities among young people 15 to 20 years old, according to the National Highway Transportation Safety Administration.



While statistically teen deaths related to motor vehicle crashes have declined over the last several years, a dark cloud remains over the alarming rate of deaths among teen drivers, who are four times more likely to die in a car accident than drivers 25 years or older.


That, combined with a surge in the number of young drivers – the children of baby boomers – who are taking to the roads, is leading more states to institute tougher teen driving regulations. Measures range from graduated licenses to a ban on the use of cell phones while driving for teen drivers, according to Findlaw.com, a leading online source of legal information.



Besides keeping teens safer when they’re behind the wheel, the new, tougher regulations also aim to get parents more engaged in helping their teens learn the rules of the road.



Findlaw.com offers 10 tips to help protect your teen driver from an accident.



1. Practice, Practice, Practice.



During the first 500 miles of driving, teen drivers are 10 times more likely to be in auto crashes than any other age group. Driving requires mental and physical skills that can only be honed with time on the road. That’s why it’s essential for teen drivers to get professional training and why more states are issuing graduated licenses that require teens to drive with their parents for an extended length of time before being eligible to drive on their own.



2. Create A Safe Driving Contract.



Parents should consider creating a safe-driving contract with new drivers to build safe driving habits. Have clear, consistent consequences when your teens do something inappropriate while driving so they understand their boundaries as drivers. The focus of such a contract should be on removing distractions, such as cell phones or eating in the car, which may divert a teen driver’s attention from the road, and keeping teen drivers off the roads at particularly risky times of the day (after 10 p.m. and before 6 a.m.).



3. No Cell Phones.



Texting while driving is banned in 26 states and D.C., and an additional eight states prohibit text messaging by minor drivers, according to the Governors Highway Safety Association. Six states prohibit all drivers from using handheld phones while driving. Make sure you and your teen driver are familiar with your state’s laws on mobile devices and driving.



4. Seatbelts.



Fifty-five percent of teens killed in automobile accidents in 2008 were not wearing seatbelts, according to the National Highway Traffic Safety Administration. Wearing a seatbelt is not only a good idea, in a growing number of states, it’s the law – 31 states have primary seat belt laws and 18 have secondary laws, according to Findlaw.com.



5. Passenger Restriction.



Parents should try to limit the number of passengers in their teen’s car, especially those younger than 18. Some states even have laws that do not allow minor passengers to be in the vehicle for the first six months after a new teen driver receives his or her license.



6. Curfew.



Teens can be more distracted at night. A study done by NHTSA finds that nighttime, especially after 10 p.m., is one of the riskiest times of the day to drive for teens. Check state and local city laws regarding curfews as some states impose curfews on teen driving.



7. No Drinking and Driving.



On average, a drunk driver kills someone every 45 minutes, according to Mothers Against Drunk Driving (MADD). Help your teen find other solutions to drinking and driving, especially responding to peer pressure to drink. Lead by example and show your kids it’s never okay to drink and drive.



8. Make Sure Your Teen Gets Sleep.



According to the National Sleep Foundation, most teens need at least nine hours of sleep. Sleep deprived teens can drive like someone who is impaired by a blood alcohol content of .08 percent. Don’t let your teen drive if they are feeling drowsy. Offer to drive them or let them sleep more before driving. Drowsy driving causes more than 100,000 car crashes each year.



9. Train Teens For Poor Weather Conditions.



Your teen will never know what challenges he will face on the road. Make sure he is able to handle snow, wind, and rain. Ride along with her during a storm before she has to face this challenge alone.



10. Make An Accident Kit.



You never know what tools you will need after an accident, and it’s better to always be prepared. Some ideas for your accident kit: a disposable camera, flashlight, glowstick, pen and personal info sheet to list all of your insurance information and personal details. You may also include info cards and witness cards to collect license plate numbers, insurance details, and other information from all cars, drivers and witnesses involved in an accident.



To learn about the law and for more information about a parent’s liability with their teen drivers, visit www.findlaw.com.

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24 Jun 10 Motorcycle, RVs or Boats Keep Your Toys Safe All Year Long

Jun 21, 2010 – 8:47:23 PM
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Motorcycle, RVs or Boats Keep Your Toys Safe All Year Long

Protect your motorcycles, RVs and boats, how to keep your toys safe all year long. Get the facts from the Progressive insurance company. These are all the possessions we call our toys, but in reality they are all expensive equipment that need to be protected, locked and insured. Make sure you are paying attention to your toys.



(NAPSI)-When you click the lock button on your car’s keyless remote, that beep gives you peace of mind that your car is safe. But when it comes to your motorcycle, RV or boat, locking up isn’t as simple.





These tips from leading motorcycle, boat and RV insurer Progressive can help you feel confident that your toys are always protected, both in and out of season:






Security



• Remove Temptation.



In the off-season, make sure your toy is properly garaged or stored in an enclosed trailer or building. Out of sight means out of mind.



• Lock Up.



When camping, RVers should make sure to lock all doors and windows and turn on a radio and small light when leaving for the night. Also, consider investing in a coupler lock, which can prevent someone from hooking up your trailer to a vehicle and driving off with it in tow.



For motorcycles, a wheel lock prevents the tires from rotating and covers the lug nuts, keeping the wheels securely in place.



• Check On It.



To make sure your toy remains safe in the off-season, check on it regularly, or ask someone to check on it for you.







Protection from the Elements



• Store It Indoors.



If you can, find a spot to store your toys indoors when you aren’t using them, so that they’re safe from any weather damage.



• Winterize It.



At the end of the season, make any essential repairs to your boat or RV, turn off all battery switches or remove the battery entirely. For trailers, store them on blocks if you can to protect the tires.



• Seal It Up.



Avoid leaks and unwelcome critters by securing and sealing doors and windows on your boat or RV as well as properly covering it.







Insurance



• Make Sure You’re Covered.



With the right insurance, you’ll be confident that you won’t have to miss a day on the road or the water. Progressive offers specialized motorcycle, boat and RV insurance that can provide more coverage than if you just added them to your auto or homeowners policy.



• Maintain Your Insurance Year-round.



If you cancel your insurance in the off season, consider maintaining it all year. Companies such as Progressive give loyal customers lower rates and reduced deductibles, and you’ll have the freedom to enjoy your toys 365 days a year.



For more information or to find an independent agent nearby, visit www.progressiveagent.com.

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