THE RISK. Driving under the influence is a factor in one of every four fatal teen crashes. THE RISK: Teens have the lowest safety belt use of all drivers and are more likely to forget or decide not to buckle up when there are other teens in the car.
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. THE RISK: Speed-related crashes account for 44% of fatalities among 15–20 year olds.
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 New Mexico law about carrying passengers. I agree that I will not transport more than one person below the age of 21 who is not a family member. ✓ 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 New Mexico 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. 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 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 Mexico 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. Teen initial ✓ I will not participate in any behavior that makes me look away from the road or distracts me from driving. ✓ I agree to check myself for readiness to drive before driving. ✓ If I am not able to focus on the driving task due to lack of sleep or if I am emotional, I will not drive. ✓ I agree to set rules for my passengers so they don’t distract me, and will pull over to a safe location until they have stopped distracting me and I am able to drive again. I understand these rules are for my safety. If I violate any of these rules, I endanger myself...
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.
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.
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. 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. THE RISK: Teen drivers are especially susceptible to distractions. Distractions impair judgment and decision-making abilities. Talking to passengers, changing a CD, eating, and personal grooming are all distractions that divide attention and take the focus off driving.
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. 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.
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.
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:
