Everything You Own is In Your Teen's Hands

The moment your teen got behind the wheel for the first time, the chances of you being involved in a lawsuit increased significantly.

Since teens are 5 times more likely to cause accidents and the average cost of these accidents are 3 times higher than experienced drivers, there is a good chance your teen is going to cause a costly accident... one that can take away much of what you own. So, are you protected in the event something happens? As a family and teen driver protection specialist, I have helped hundreds of parents protect themselves from lawsuits. Parents of teen drivers have very special insurance needs and if we haven't addressed those needs yet, you may be at serious risk. Please call my office today (256-765-2200) and let's conduct a 21 Point Protection Review. This will reveal any gaps or lack of coverage that could leave you financially devastated.

Buckle Up! But Why?

A seatbelt ticket will cost you $101 in the state of Washington. For such a high cost of a ticket, it would be safe to assume the issue has some importance!

Well, absolutely! The purpose of a seatbelt is to hold the passenger in place, holding them close to the vehicle to make them almost "one" to prevent being thrown forward in the event of a collision. The other option is not wearing a seatbelt. If the person is not wearing their seatbelt, the law of inertia proves that they will be thrown forward-- possible into the windshield or dashboard, (ouch.)

The flexible materials that make up seatbelts are meant to provide give-- more than the dashboard or windshield. And even though the seatbelt allows some give to conform to your body comfortably, the machinery involved tightens the belt to hold the passenger in place when the car decelerates quickly.

Did you also know, that having your seatbelt improperly installed is an even bigger ticket?? Vehicles require both shoulder and lap belts!

Please instill the importance of safety belts with your teens. It could save a life!

http://savon-teendriver.blogspot.com/

Car Buyers Beware!

Kelley Blue Book just announced its annual top 10 list for auto brands in terms of resale value. Here they are:

1. Honda

2. Toyota

3. Volkswagon

4. Subaru

5. Lexus (a division of Toyota)

6. BMW

7. Infiniti (a divsion of Nissan)

8. Acura (a division of Honda)

9. Audi (a division of Volkswagon)

10. Nissan

Parents and teen drivers alike would be wise to understand the practical implications of this report before buying a car. You see, when have an accident, your insurance company will only pay you the value of the car at the time of the accident. The insurance adjuster will depreciate a car that doesn't hold its value to a much greater extent than one that does. So if you fork out $25,000 for a new GM and have an accident a year later, how much will you get? Couldn’t tell you for sure but probably a fair amount less than you would if you’d have bought a car in the top ten.