According to Online Auto Insurance, an appeals court in Florida has recently ruled on a case that began with a crash which involved four adolescents and “some horseplay,” and that underlines the types of behaviors that cause car insurers to charge teen motorists higher rates.
The case began with a circumstance where a passenger had been repeatedly reaching across to the driver’s side to honk the horn and take hold of the steering wheel of his girlfriend’s car while she was driving it. Both of these individuals were 17 years old at the time. Two other passengers were in the back seat of the vehicle, each of whom were 16 years old.
Eventually, the actions of the front seat passenger led the driver to lose control of the vehicle which struck a concrete wall with its side as it moved along an exit ramp. The result was a negligence lawsuit.
Many reputable sources, such as the Centers for Disease Control and Prevention (CDC) routinely caution that their data and research indicate that teens make a larger number of unnecessary risks while driving than older motorists. In fact, the CDC has stated that individuals aged 16 to 19 years old are four times more likely to be in a traffic accident than older motorists.
The result is that while families seek to purchase inexpensive car insurance for their adolescent drivers, it is very hard to find because insurance companies know about this increased risk and therefore charge a higher rate for that age group.
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