THE RISK. During the first six months of independent driving, the risk of a fatal crash at night is about three times higher for teens than during the day. Teen initial ✓ I will not violate the Texas law that restricts nighttime driving. I will not drive between 12:00 a.m. and 5:00 a.m. unless accompanied by a driver age 21 or older. This rule will remain in place for the 12 months from the date I get my license. ✓ I understand that my parent can increase the restriction period at any time. I understand these rules are for my safety. If I violate any of these rules, I endanger myself, my passengers and other drivers and I may break Texas law. If I violate our rules, I agree to lose my driving privileges for (time period). Additional penalties: Parent initial Your safety is my #1 priority and I will be there when you need me. I will pick you up or arrange for safe transporta- tion home, regardless of the situation or time of your call. Aggressive & Reckless Driving THE RISK: Speed-related crashes account for 44% of fatalities among 15–20 year olds. Teen initial ✓ I agree to ALWAYS obey the posted speed limit. ✓ I agree to consider the weather and road conditions and adjust my speed appropriately. ✓ I will not drive when I am angry, frustrated or emotional. ✓ I will not tailgate, speed, weave in and out of traffic or participate in any aggressive or reckless driving behavior. I understand these rules are for my safety. If I violate any of these rules, I endanger myself, my passengers and other drivers and I may break Texas law. If I violate our rules, I agree to lose my driving privileges for (time period). Additional penalties: Parent initial Your safety is my #1 priority and I will be there when you need me. I will pick you up or arrange for safe transporta- tion home if you feel it is not safe for you to drive, or if you are in a car with someone exhibiting these behaviors. I also promise to be a role model, lead by example and demonstrate responsible and safe driving behavior at all times. Driving Under the Influence
THE RISK. The number of passengers is the most critical factor related to teen automobile fatalities. The risk of a fatal crash increases by 100% for each additional teen passenger when a teen is driving. Teen initial ✓ I will follow New Hampshire law which prohibits me from driving with more than one passenger under age 25 (family members exempt) unless accompanied by a licensed driver who is at least 25 years old for 6 months from the date I get my youth operators license. ✓ I will follow the law and will not be a passenger in a vehicle with a friend who is still driving under a youth operator license. ✓ I agree not to be a passenger in any vehicle where I do not feel comfortable or safe. I understand these rules are for my safety. If I violate any of these rules, I endanger myself, my passengers and other drivers and I may break New Hampshire law. If I violate our rules, I agree to lose my driving privileges for (time period). Additional penalties: Parent initial Your safety is my #1 priority and I will be there when you need me. I will pick you up or arrange for safe trans- portation home, regardless of the situation or time of your call. As your passenger, I will share observations and coaching in a calm, respectful manner. Cell Phones THE RISK: Teen drivers are vulnerable to driving distractions such as talking or texting on cell phones, which increase the chance of getting involved in serious vehicle crashes. New Hampshire law prohibits drivers from texting while driving, and has a comprehensive distracted driving law for all drivers that includes cell phones. Teen initial ✓ I agree that if I need to use my cell phone, I will pull over to a safe location away from traffic before I use my phone. ✓ I understand that New Hampshire law prohibits drivers from texting while driving, and has a comprehensive distracted driving law for all drivers that includes cell phones. I understand these rules are for my safety. If I violate any of these rules, I endanger myself, my passengers and other drivers and I may break New Hampshire law. If I violate our rules, I agree to lose my driving privileges for (time period). Additional penalties: Parent initial I understand that cell phones present a distraction to all drivers. I also agree that if I need to use my cell phone, I will pull over to a safe location away from traffic before I use my phone. Distractions THE RISK: Teen drivers are especially susceptible to distractions. Distractions impair judgment and decision-making ...
THE RISK. The number of passengers in a teen’s vehicle is a major risk factor in teen crashes. The risk of a fatal crash increases by 100% for each additional teen passenger when a teen is driving. Per mile driven, the crash rate for teens driving at night with passengers is 4 to 5 times higher than teens driving alone during the day. Teen initial ✓ I will follow the Texas law about carrying passengers and agree not to have more than one passenger in the car under the age of 21 who is not a family member. This rule will remain in place for 12 months from the date I get my license. ✓ I will follow the law and will not be a passenger in a vehicle with a friend who is still subject to GDL laws and has another passenger under the age of 21 who is not a family member. ✓ I agree not to be a passenger in any vehicle where I do not feel comfortable or safe. I understand these rules are for my safety. If I violate any of these rules, I endanger myself, my passengers and other drivers and I may break Texas law. If I violate our rules, I agree to lose my driving privileges for (time period). Additional penalties: Parent initial Your safety is my #1 priority and I will be there when you need me. I will pick you up or arrange for safe transporta- tion home, regardless of the situation or time of your call. As your passenger, I will share observations and coach- ing in a calm, respectful manner. Cell Phones
THE RISK. During the first six months of independent driving, the risk of a fatal crash at night is about three times higher for teens than during the day. Teen initial ✓ I will not violate the California law that restricts nighttime driving. I will not drive between 11:00 p.m. and 5:00 a.m. This rule will remain in place for the first 12 months from the date I get my provisional license. ✓ I understand that my parent can increase the restriction period at any time. I understand these rules are for my safety. If I violate any of these rules, I endanger myself, my passengers and other drivers and I may break California law. If I violate our rules, I agree to lose my driving privileges for (time period). Additional penalties: Parent initial Your safety is my #1 priority and I will be there when you need me. I will pick you up or arrange for safe transporta- tion home, regardless of the situation or time of your call. Aggressive & Reckless Driving THE RISK: Speed-related crashes account for 44% of fatalities among 15–20 year olds. Teen initial ✓ I agree to ALWAYS obey the posted speed limit. ✓ I agree to consider the weather and road conditions and adjust my speed appropriately. ✓ I will not drive when I am angry, frustrated or emotional. ✓ I will not tailgate, speed, weave in and out of traffic or participate in any aggressive or reckless driving behavior. I understand these rules are for my safety. If I violate any of these rules, I endanger myself, my passengers and other drivers and I may break California law. If I violate our rules, I agree to lose my driving privileges for (time period). Additional penalties: Parent initial Your safety is my #1 priority and I will be there when you need me. I will pick you up or arrange for safe transporta- tion home if you feel it is not safe for you to drive, or if you are in a car with someone exhibiting these behaviors. I also promise to be a role model, lead by example and demonstrate responsible and safe driving behavior at all times. Driving Under the Influence
THE RISK. During the first six months of independent driving, the risk of a fatal crash at night is about three times higher for teens than during the day. Teen initial ✓ I will not violate the Virginia law that restricts nighttime driving. I will not drive between 12:00 a.m. and 4:00 a.m. This rule will remain in place for the first 12 months from the date I get my provisional license. ✓ I understand that my parent can increase the restriction period at any time. I understand these rules are for my safety. If I violate any of these rules, I endanger myself, my passengers and other drivers and I may break Virginia law. If I violate our rules, I agree to lose my driving privileges for (time period). Additional penalties: Your safety is my #1 priority and I will be there when you need me. I will pick you up or arrange for safe transportation home, regardless of the situation or time of your call. Parent initial Aggressive & Reckless Driving THE RISK: Speed-related crashes account for 44% of fatalities among 15 to 20 years old. Teen initial ✓ I agree to ALWAYS obey the posted speed limit. ✓ I agree to consider the weather and road conditions and adjust my speed appropriately. ✓ I will not drive when I am angry, frustrated or emotional. ✓ I will not tailgate, speed, weave in and out of traffic or participate in any aggressive or reckless driving behavior. I understand these rules are for my safety. If I violate any of these rules, I endanger myself, my passengers and other drivers and I may break Virginia law. If I violate our rules, I agree to lose my driving privileges for (time period). Additional penalties: Parent initial Your safety is my #1 priority and I will be there when you need me. I will pick you up or arrange for safe transportation home if you feel it is not safe for you to drive, or if you are in a car with someone exhibiting these behaviors. I also prom- ise to be a role model, lead by example and demonstrate responsible and safe driving behavior at all times. Driving Under the Influence
THE RISK. The number of passengers in a teen’s vehicle is a major risk factor in teen crashes. The risk of a fatal crash increases by 100% for each additional teen passenger when a teen is driving. Teen initial ✓ I will follow the Virginia law about carrying passengers and agree not to have more than one teen passenger in the car during my first year of driving and no more than 3 teen passengers* until my 18th birthday. ✓ I will follow the law and will not be a passenger in a vehicle with a friend who is still subject to GDL laws. ✓ I agree not to be a passenger in any vehicle where I do not feel comfortable or safe. I understand these rules are for my safety. If I violate any of these rules, I endanger myself, my passengers and other drivers and I may break Virginia law. If I violate our rules, I agree to lose my driving privileges for (time period). Additional penalties: *Excludes family members Your safety is my #1 priority and I will be there when you need me. I will pick you up or arrange for safe transportation home, regardless of the situation or time of your call. As your passenger, I will share observations and coaching in a calm, respectful manner. Parent initial Cell Phones
THE RISK. Teen drivers are particularly at risk of distracted driving resulting from talking or texting on cell phones. Such activities in- crease the chance of getting involved in serious vehicle crashes. Virginia law prohibits drivers under the age of 18 from using a cell phone, a hands-free device or other electronic communication while driving.
THE RISK. Because the property policy insuring agreement requires that a loss involves “direct physical loss, damage or destruction,” the claim in our case study may not be insured despite the fact that fire was the proximate cause of the loss. The direct cause of loss is that the FDA has determined that all products in the warehouse must be destroyed. Additionally, the drug or device manufacturer does not want the insurer to take the property for salvage, which is an insurer’s right under a typical property policy. No drug or device company wants to see its product sold as salvage, nor would government agencies allow it. Strict federal regulations govern the proper disposal of quarantined life science products. Some insurers have attempted to recognize the need to modify policy language to accommodate this unique risk exposure by adding a “Control of Damaged Property” clause in their policies. But even the title of the clause belies the problem. It refers to “Damaged” property and there is no definition of “Damage” in the policy. A typical clause may read, “The insured shall have full right to the possession of all property manufactured, sold or distributed…and shall retain control of all damaged property. The insured, using reasonable judgment, will decide if the physically damaged property can be reprocessed or sold other than in respect of stock where the insured’s quality control procedure(s) in compliance with FDA regulations, or the regulations of any equivalent authority in any other country or locality will determine if the stock is unfit for sale or use.” (Italics added.) At first glance this looks like it may offer a solution; however, here also the language refers to “physically damaged property” as a condition for coverage to apply. Another proposed solution that is an improvement on the Control of Damaged Property language quoted above is the “FDA Coverage” endorsement that can be added to a life science property policy. This endorsement states in part, “Coverage under this endorsement becomes effective when the following conditions are met:
