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Insurance For Teens
Graduated Drivers Licenses (GDL)
To address the high fatality rate among teenage drivers, most states
have adopted one or more elements of a GDL system, which allows
teenagers to gradually receive full driving privileges. Almost every
state has some form of restriction on young drivers.
The three phases of GDLs are:
- a supervised learners period
- an intermediate license, which allows unsupervised driving depending
on various situations
- a full privileges license
According to the Insurance Institute for Highway Safety, all but
five states (Arizona, Arkansas, Kansas, Minnesota and North Dakota)
have an intermediate stage, but the systems vary. A teenager with
a learners permit is required to remain in that stage for a minimum
period, usually six months. A learners permit also requires that
when driving, a teenager must be supervised by an adult, pass vision
and knowledge tests and pass a test before receiving an intermediate
license. In addition, the driver must wear a seat belt and be traffic-
and alcohol-offense free, and restricted from driving at night.
An intermediate or restricted license requires a minimum of six
months and restricts passengers and night-time driving. In all stages,
there is zero-tolerance for drunk driving, and a requirement to
be traffic-offense free.
Florida was the first state to adopt a GDL program in 1996. In
South Carolina, where the GDL law went into effect in 1998, the
percentage of teenagers involved in crashes fell from 14.5 percent
in 1998 to 13.0 percent in 1999. Alabama's GDL law was enacted in
October, 2002. By 2003, state troopers reported accidents caused
by 16-year-old drivers fell from 5,905 to 5,263; for 17-year-olds,
crashes fell from 6,174 to 5,980.
Click
here to see how California's teen crash rates have dropped because
of new GDL provisions.
GDLs have also reduced deaths among teenage drivers in New Zealand,
Australia and Canada, where versions of the system exist. A 2002
study conducted in Nova Scotia concludes that accident reductions
among young beginning drivers occur in both the learner and intermediate
stages. This is the first long-term study to investigate the benefits
of each licensing stage. The findings of the study, Specific
and Long-term Effects of Nova Scotia's Graduated Licensing Program,
mark the first six months of the learner stage as the most significant
period of crash reductions. For beginning drivers who got their
learners permit at 16 or 17 years old, crashes declined 51 percent.
During the intermediate stage, when drivers are allowed to drive
unsupervised except late at night, crashes were reduced by 9 percent
in the first year and 11 percent in the second year. Crash rates
increased by 4 percent, however, during the first year after the
drivers graduated to full license status. Nova Scotia's GDL program
was adopted in 1994, before many U.S. states began adopting the
system.
- Some people question whether 16-year olds should be allowed
to get a drivers license. This issue has gained some attention
from a 2005 National Institute of Mental Health report that shows
the part of the brain that weighs risks, makes judgments and controls
impulsive behavior develops throughout the teen years and does
not mature until around age 25.
- Graduated Drivers License (GDL) programs are helping to reduce
teen driving deaths. States began enacting GDL laws in the 1990s.
The graduated license program is a three-stage license phase-in
process that allows young drivers to gain experience before receiving
a full-privilege license. The latest data from NHTSA shows the
fatality rate for 16 to 20 year old vehicle occupants in motor
vehicle crashes per 100,000 population was 27.07 in 2004, down
from 27.67 in 2003 and 30.46 in 1994. The 2004 rate was the lowest
since record keeping began in 1975.
- Benefits of Graduated Drivers License Programs: A study sponsored
by State Farm Insurance Company and the federal Centers for Disease
Control and Prevention found that North Carolina's GDL program
reduced hospitalizations and hospital costs by more than one-third
for the youngest drivers in the state. The study, conducted by
researchers at the University of North Carolina at Chapel Hill,
shows that in the 46 months after the state's GDL law went into
effect in 1997, hospitalizations of 16-year-old drivers fell by
37 percent and hospital costs for these drivers fell 31 percent,
or $650,000, per year.
The lead author of the study says that the findings suggest that
the reductions result from 16-year olds driving less, rather than
from improvements in their driving skills. In addition, a reduction
in the number of hospitalizations among 17-year old drivers was
noted, but it was not statistically significant. A 2001 study,
based on crash data, found that there had been a 57-percent drop
in fatal accidents involving 16-year olds since the law went into
effect.
- According to the Insurance Institute for Highway Safety (IIHS),
the youngest drivers have far more crashes than older people especially
in their first months of getting their licenses. Based on a study
of crashes involving 16-year olds, researchers found that not
paying enough attention or taking enough notice of surroundings
are the major reasons for crashes. Researchers interviewed 16-year
olds who had been in nonfatal crashes in Connecticut, and found
that most of them involved a single vehicle. Major reasons for
at-fault collisions were failing to see another vehicle or a traffic
signal, mostly because they did not look thoroughly, were daydreaming
or distracted by things inside and outside their vehicles. The
study was published by the IIHS in January 2007.
- A study released in July 2006 found that GDL programs can reduce
the incidence of fatal crashes for 16-year old drivers by an average
of 11 percent. Researchers from the Johns Hopkins Bloomberg School
of Public Health found that when states had comprehensive GDL
programs, those with a least five of the most important elements
in effect, there was a 20-percent reduction in fatal crashes involving
16-year old drivers. These elements were:
- A minimum age of 15 1/2 for obtaining a learners permit
- A waiting period after obtaining a learners permit of at
least three months before applying for an intermediate license
- A minimum of 30 hours of supervised driving
- Minimum age of at least 16 years for obtaining an intermediate
license
- Minimum age of at least 17 years for full licensing
- A restriction on carrying passengers.
- The study was supported by NHTSA and the Centers for Disease
Control and Prevention. Researchers used data from 1994-2004 from
NHTSA's Fatality Analysis Reporting System and examined fatal
crash data in 36 states that had GDL programs and in seven states
that did not. They found that in states that had six or seven
components, the fatal crash reduction was 21 percent.
- Fatality and injury crash rates for 16-year-old drivers were
20 percent lower in a state with nighttime and passenger restrictions
than in a comparison jurisdiction that lacked these provisions,
according to a study released in June 2006 by the AAA Foundation
for Traffic Safety.
For the study, the Traffic Injury Research Foundation (TIRF) compared
crash rates and crash patterns of teenage drivers in one jurisdiction
with nighttime and passenger restrictions during the intermediate
stage of GDL with those in another jurisdiction whose GDL program
did not include such restrictions. TIRF also surveyed a random
sample of 500 crash-free and 500 crash-involved, newly-licensed
teens and their parents in each of two jurisdictions. The study
found that twice as many crash-free teens reported never having
violated their state's passenger restriction provision, compared
with teens that had crashed.
- One key feature of GDL programs is the passenger restriction
which limits the number of passengers a teen driver may have in
the vehicle to eliminate distractions. Thirty-eight states and
the District of Columbia have enacted these laws with various
provisions regarding the ages of passengers and the number of
passengers a teen driver may transport. According to a 2005 study,
when teens drive other teens, they tend to drive faster than other
motorists and leave less distance between their vehicles and the
vehicles in front of them. They speed more frequently when there
are other teens in vehicles, especially males. These findings
by researchers at the National Institutes of Health and Westat
were compiled from data collected at 13 sites on roads in the
Washington, D.C. area, where over 3,000 passenger vehicles were
observed, including 471 driven by teenagers.
- Children's Hospital of Philadelphia and State Farm released
a study in June 2007 that found children are safer when riding
in a vehicle with a teen driver who is their sibling rather than
a teen driver who is not related to them. Earlier research found
that children driven by teens are twice as likely to sustain crash
injuries, a finding that prompted legislators in many states to
enact passenger restriction laws. The new study showed children's
risk of crash injury where the teen driver is a sibling is 40
percent lower. This new finding supports the exceptions in some
state laws that allow teens to drive family members only.
Information provided by Insurance Information Institute (III).
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