Allstate Learners Permit Car Insurance - News
Allstate Foundation is a nonprofit community service arm of Chicago insurance giant Allstate. Iowa has a graduated driver licensing program, but it's not as strict as programs in other states. Iowa is one of six states nationwide to allow learner's
The most comprehensive graduated laws would include nighttime driving restrictions, passenger limits, cell phone and texting bans, mandatory behind-the-wheel driving time, a minimum entry age of 16 years old for a learner's permit, and a minimum full
"Insurance losses" are not a cost as they are figured into the premiums charged. "Vehicle damage" is duplicated from from "Insurance losses". Of course the single biggest flaw in the report is that Allstate is behind it. I had a license at 16, a permit
License to Save Report Finds Graduated Driver Licensing Could ...
The Allstate Foundation License to Save Report, developed in conjunction with the National Safety Council, shows that if New Jersey implemented comprehensive graduated driver licensing (GDL) laws, an estimated 13 lives $100 million could be saved. Nationally, if all states implemented comprehensive graduated GDL laws, an estimated 2,000 lives and $13.6 billion could be saved per year.
The report findings are timely, as Congress readies to consider reauthorization of highway and infrastructure spending - legislation that historically has included bold public health and safety measures.
Novice teenage drivers are the most likely drivers on the road to have car accidents. In fact, 16-year-old drivers have crash rates two times greater than 18-to-19-year-old drivers and four times that of older drivers.
GDL helps new drivers gain experience under supervised and less risky conditions. The most comprehensive GDL laws include nighttime driving restrictions, passenger limits, cell phone and texting bans, mandatory behind-the-wheel driving time, minimum entry age for learner's permit (16), and age 18 before full licensure. In some states that have enacted strong GDL laws, the incidence of teenage driving related deaths have dropped by as much as 40 percent.
"Teen driving deaths are a real public health crisis," explained Bill Ballinger, president of Allstate New Jersey Insurance Company. "What's worse is that these deaths are avoidable. We can take very simple, common sense steps that would protect young drivers across the country. Our Allstate agents see firsthand the dangers for young drivers on the road and as a company we are committed to putting an end to this epidemic."
More than 81,000 people were killed in crashes involving drivers ages 15 to 20 in the decade from 2000 to 2009, making teen driving crashes the leading cause of teen deaths nationwide.
In addition to the lives lost, the total cost to the nation of crashes involving teen drivers in 2009 was estimated at $38.3 billion. These costs include wage and productivity losses, medical expenses, administrative expenses for public and private insurance, police and legal costs, motor vehicle damage, employers' uninsured costs and fire losses. These costs were paid by employers, state and local governments and by citizens through taxes, fees and insurance premiums.