Dosomething.org is a global movement of teenagers that counts over five million young people as members. To avoid any criticism for age discrimination in this review of this topic; here are some teenage driving statistics that this group of young people reports about teen drivers:
- The highest rates of auto accidents for any age group are caused by 16-year-old drivers.
- Within the first year of driving, 20% (one in five) of 16-year-old drivers will have an accident.
- More than half (56%) of teens admit to talking on a mobile phone while driving.
- Distracted driving, such as talking on a cell phone or texting while driving, doubles the probability of having an accident and reduces the reaction times of teen drivers to the equivalent of those found in 70-year-olds.
- Motor vehicle crashes cause one-third of the deaths of young people between 13 and 19-years-old.
- The chance having an accident caused by a teen driver increases by the number of additional passengers.
Use of Commercial Vehicles
The company policy about employees who are authorized to drive company vehicles is a business risk decision. Like all decisions of this kind, insurance coverage and the cost of it, are key factors that the business owner should consider when making the decision about who is permitted to drive a company vehicle. Many companies require an employee to be 25-years-old in order to be allowed to drive commercial vehicles for the company because this is normally the age where the insurance rates are more reasonable. Each policy is different, so check with your agent at Saucon Insurance Agency serving Bethlehem PA, for the specifics.
The experts advise business owners to exercise caution when allowing a younger person to drive any vehicle. For example, if the business owner asks an employee to drive a few blocks to pick up food for lunch at the office that is considered a commercial use of that vehicle, even if it is the owner’s private vehicle. When an owner asks an employee to do something as part of their work, then this task is a commercial activity, not a private trip in the vehicle. Business owners need to be careful not to create liability risk by mistake.
Check with your agent at Saucon Insurance Agency serving Bethlehem, PA, to make sure you have adequate coverage, which includes adequate vehicle insurance for the business owner’s private vehicle that includes coverage for the occasional use of the vehicle by others (including employees) and commercial insurance to cover the potential liabilities for company-owned commercial vehicles.