by California Casualty | Auto Insurance Info, Safety |
Teen drivers are the most accident-prone of all drivers because of one major factor: inexperience. In fact, their first 6-12 months of solo driving is the most dangerous stretch of their lifetime as a licensed driver.
Because they’ve logged far fewer hours compared to other drivers, they are less able to predict – and properly respond to – hazards, sudden changes in traffic and erratic behaviors by other drivers. They also typically haven’t made a habit of defensive driving techniques, leaving them vulnerable to making wrong decisions in the moment.
If you have a young driver (or soon-to-be licensed driver) in the house, as a parent, your years of driving experience are an invaluable asset. Here are some ways you can leverage that knowledge and expertise to help boost your teen’s safe driving know-how.
The Learning Permit Phase: A Golden Opportunity
Many new teen drivers complete their learner’s permit training lacking important real-world driving skills. You can help your teen shore up that deficit by serving as co-pilot in a range of driving scenarios and situations during the permit phase. By exposing them to – and coaching them through – diverse experiences behind the wheel, you will help them become a confident, safe and independent driver.
Although you may feel more secure behind the wheel, here are some driving scenarios that teens need to experience.
1. Bad Weather
There’s a big difference between answering driver test questions about how to handle bad weather and how to actually do it in the moment. When possible, have your teen drive you during the following weather events.
- Snow
- Wind
- Heavy rain
- Sleet
2. Different Roads
Different roadways (and intersections) call for different driving skills and techniques. Ditto for traffic situations. Expose them to as many as you can, including:
- One-way roads
- Two-lane roads with high-speed limits
- Peak commute traffic
- Multi-lane highways and interstates
- Congested roads in urban centers
- Residential streets
3. Day, Night, and Everything in Between
Bright light at dawn and sunset, as well as low light at dusk, affects drivers’ visibility and also influence traffic patterns and behaviors. Practice driving with your teen at different times of day and night. Coach them on the adjustments they need to make in terms of following distance and defensive driving, as well as personal adjustments with visors, sunglasses, headlights, and more.
4. Switch up passengers
For a new driver, devoting their full attention to driving and the road is incredibly important. Knowing that your teen won’t be driving alone forever, why not invite another family member or friend along so your teen can start strengthening their “focus muscles”? Distractions are a major cause of accidents among teens, so the sooner they can begin successfully managing distractions while driving, the better.
5. Different cars
If your family has multiple cars, have your teen practice in each of them. Sedans drive much differently from SUVs, and stick shifts from automatics, etc. – all are good for them gaining familiarity with a variety of vehicles.
Teen Drivers’ Most Common Errors
In addition to exposing your young driver to a range of on-the-road experiences, be sure to also help them cultivate good driving habits. Here are the top errors that inexperienced drivers make – keep an eye out for them and coach your teen along the way.
- Lack of scanning – Inexperienced drivers typically detect hazards later than more experienced drivers and may be unsure how to react. Left turns are especially dangerous for them.
- Distractions – No matter whether they come from inside or outside the vehicle, distractions are a common reason for teen crashes.
- Speeding – This includes driving too fast for road conditions or weather as well as inadequate braking. This error commonly ends in rear-end events.
- Tailgating – Inexperienced teens haven’t yet gained a feel for safe cushion distances and can easily follow other vehicles too closely.
Teens need extra time and experience to master good driving skills. By accompanying them in a variety of driving settings and conditions – as well as lending your years of expertise – you’ll help them develop critical skills for more safely navigating our roadways. For more teen driver safety tips, click here.
This article is furnished by California Casualty. We specialize in providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
by California Casualty | Auto Insurance Info |
Car crashes are the number one cause of death for teens, with drivers aged 16-19 the most likely to be in a fatal car crash of all drivers.
Teens’ inexperience behind the wheel is a primary reason for these tragic statistics. Another is reckless and distracted driving – unfortunately, exhibited by many drivers but especially problematic for younger drivers.
As parents, educators, and adults in teens’ lives, we have an important role to play in helping reduce these preventable deaths.
Teens & Distracted Driving
Because of their driving inexperience, teens are much more likely to engage in distracted driving – which is any activity that distracts their attention away from driving and the road.
Distractions can be visual, manual, or cognitive. Examples are eating food, fiddling with the stereo, applying make-up, engaging with passengers, or reaching for things in their car. Far and away, the biggest one is cell phones: texting, emailing, watching videos, talking.
What You Can Do
As adults in teens’ lives, we have a great opportunity to lead by example, encourage responsible behaviors, and support teens in developing safe driving habits.
- Parents – As a parent, you may have more influence than you think: Teens who say their parents set rules and gave advice in a supportive, helpful way are 50% less likely to crash. Here are some things you can do:
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- Set an example by practicing safe, non-distracted driving every time you get in the car.
- Talk to your teen about the rules of the road, responsibilities of being a licensed driver, and statistics about distracted driving. Look up your state’s penalties for using the phone while driving and inform them that in states with graduated driver licensing, a violation could mean a suspended license.
- Take the pledge. Have everyone in your family sign a pledge to drive distraction-free (resources below).
- Set consequences for distracted driving, which could include suspension of driving privileges and/or their phone.
- Encourage your teen to be an ambassador of safe driving with their peers. Teens are often the best messengers to their peers.
- Teachers/educators – Teachers have a unique opportunity to add important safety messaging during their class day. Look for resources (see below) for the classroom – whether that’s remote or in-person. Model safe driving whenever you drive.
- Employers – If you have young employees, promote a culture of safe driving. Car accidents are the leading cause of on-the-job deaths. Set policies for cell phone use in the workplace and educate staff members about safe-driving habits.
- Law enforcement officers – Peace officers are on the front lines of keeping our roads safe and have an outsized influence in reinforcing safe driving habits whenever dealing with young drivers.
- Community members – As a member of your community, take advantage of all the ways you can help keep teen drivers safe. Drive safely every time you get into the car, advocate for teen drivers, join pledges, and make your support visible.
Pledges and Resources
Whether at home, in the classroom, or at the workplace, use the resources below to reinforce safe driving messaging.
- Safe driving pledges
- Resources
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- Impact Teen Drivers has abundant resources for teachers, including videos, posters, and lesson plans. Also, check out their contest for teens to use their creativity to communicate the importance of safe driving. (Disclaimer: California Casualty is a founding sponsor of this important organization – read more
- TextLess Live More – a student-led, peer-to-peer advocacy group focused on ending distracted driving.
- Traffic Safety Marketing offers downloadable materials for National Teen Driver Safety Week: general safety resources as well as some specifically for distracted driving.
- The Centers for Disease Control and Prevention offers resources for parents, pediatricians, and community partners to keep teen drivers safe on the road.
Reducing needless teen deaths from car crashes is a cause we can all take part in. One of the most important things you can do is to lead by example. Together we can end distracted driving.
This article is furnished by California Casualty. We specialize in providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
by California Casualty | Auto Insurance Info, Travel |
Traveling with a toddler is always an adventure — no matter where you go!
In observance of Child Passenger Safety Week, we’ve compiled a safety checklist for trips near and far. And because we care about your mental health (wink), we’ve also included some parental survival strategies for good measure.
Plan your getaway and go make some great road trip memories!
Safety First
- Make sure your car’s road-ready – A lot can happen out there, so be sure to get your car serviced ahead of time. Tires, oil, engine fluids, wipers — make sure they’re all in tip-top shape.
- Get a car seat inspection – If you have any doubts about whether your car seat’s installed properly, you can book an appointment with a Certified Child Passenger Safety Technician in your community by visiting here (use the search tool at the bottom). While you’re at it, register your seat online so you can get notified in case of a safety recall.
- Guard against heatstroke – Heatstroke can occur at any time of year, in any condition, and in any community. Protect your child by taking them with you instead of leaving them in the car alone and always looking in your car before locking. Keep your vehicle locked when not in use (and keys away from curious little hands).
- Eliminate back over risk – Tragically, many children are killed or injured by cars backing out of driveways and parking spaces. There are many precautions you can take as a driver and ways you can protect your children against a backover accident — see the National Highway Traffic Safety Administration’s list here.
- Don’t leave them alone in the car – Even if you need to run into the store for “just a minute” it’s better to be safe than sorry. From heat stroke to foul play to your child getting loose in the car, the risk of leaving them in the car far outweighs any savings in time or trouble.
- Make sure you have roadside assistance – Out of mind when you don’t need it, priceless when you do — roadside assistance is especially important when traveling with young ones. It usually covers towing to a service station, battery jumping, flat tire repairs, unlocking car doors, and a range of other catastrophe rescues.
- Pack your first aid kit – Bruises, scrapes, stings, sunburns, and splinters are just as likely to happen away from home. Be ready with your kit, and maybe even refresh your first aid and CPR skills.
- Prevent power window injuries – Keep little fingers, hands, and wrists safe by using the power window locks, making sure toddlers are secure in their car seats, and teach them not to play with the switches.
- Secure the seat belts – Keep your child from getting entangled in seat belts by securing the loose ones within their reach. Ensure they’re restrained in their car seat at all times while in the car.
Sanity-Savers for You
- Separate the kids – It’s inevitable: if you’re traveling with more than one kid, they’re going to fight at some point. Get ahead of the inevitable by seating them as far from each other as possible. Obviously, the bigger the car, the easier this is.
- Take breaks – Kids need to move. Heck, adults need to move! If you can look for parks or playgrounds, all the better — but any place that lets you stretch your legs, move around and break up the monotony will work.
- Prep your hygiene arsenal – Make sure to pack plenty of potty supplies, wipes, tissues, and paper towels (not to mention cleaning supplies for spills and food accidents).
- Kid-ify your itinerary – Plan your trip with your kid(s) in mind. This means taking nap schedules and energy peaks/valleys into account, and planning out when you’ll arrive at destinations (and what those are), when will be best for the multi-hour highway time, etc.
- Stock up on healthy snacks – Having nutritious snacks on hand prevents you from desperation-buying chips at the gas station or sitting through a sugar crash tantrum. Raw veggies, fruit, trail mix, crackers, and low-sugar baked goods are usually winners.
- Don’t forget the entertainment – Keeping toys and books close to your toddler will allow you to keep your eyes on the road and hands on the wheel. If your car has a screen, bring in-flight entertainment! Finally, playing road games is a favorite, no matter the generation.
- Bring binkies and blankies – It’s important to pack some comfort from home if you’ll be gone for any length of time. Blankies and binkies might calm your child like nothing else in the midst of the excitement and new surroundings.
Prepping ahead of time will make any road trip smoother, but it does wonders for traveling with toddlers.
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
by California Casualty | Auto Insurance Info, Safety |
Booster seats were designed for that critical time when a child has outgrown their car seat but isn’t yet tall or heavy enough to be safe in a seat belt alone.
Here’s a primer on the different booster types, tips for buying and installing one, and help on determining when it’s safe to transition your child out of the booster for good.
Booster Seat Types
There are 4 types of boosters, differentiated by your child’s needs and also your preferred functionality.
Backless Booster Seat – Boosts the child’s height so that the seat belt fits properly. Best for cars that have headrests.
Booster Seat with High Back – Like the first seat type, this raises the child’s height so as to ensure a proper seat belt fit, but it provides neck and head support.
Combination Seat – Accommodates a child’s growth by transitioning from a forward-facing seat with a harness into a booster.
All-in-One Seat – Like the combination seat, this one transitions as well, but goes from rear-facing seat, to forward-facing, and finally to a booster.
Whatever style you choose, make sure the seat has a guide for your car’s shoulder belt, so that it lies across their torso correctly. Also, make sure the guide allows the belt to retract easily. Some seats have clips, wings, and even adjustable bases, all of which further tailor to your child’s height/weight and the specifics of your vehicle.
Learn more about seat types at the National Highway Traffic Safety Administration’s (NHTSA) page.
Tips on Buying and Installing
Buying a booster seat
- Always buy new, as used seats may not fit your child correctly or could even be unsafe.
- If your child weighs less than 40 lbs, a combination seat may be your best bet.
- Avoid seats with a reclining feature as they can put your child at an increased risk of injury in an accident.
Installing the seat
- Like car seats, boosters should only be installed in the back seat.
- The safest spot is in the center of the rear seat — which best protects against side-impact crashes — but only if your vehicle has a lap and shoulder belt in the center. If there’s only a lap belt, put the seat on the passenger side so you can better see your child from the driver’s seat.
- If using a combination seat, use the anchoring system. This is called the LATCH system, short for Lower Anchors and Tethers for Children.
- Use the seat’s belt-positioning clips if it came with them. They ensure that the belt crosses your child’s chest correctly.
- Check out these videos by the NHTSA for instructions on properly installing high-back boosters, backless boosters, combination boosters, and all-in-one boosters.
A Checklist: When Can They Graduate Out of a Booster?
According to the NHTSA, more than 25% of kids aged 4 to 7 are transitioned out of a booster seat too soon. The organization recommends that children continue using a booster until they’re at least 4 feet 9 inches tall AND 8 to 12 years old. They should also have outgrown the seat manufacturer’s weight and height recommendations.
If you can answer “yes” to all of the below when your child is sitting on the vehicle seat, then they can move from a booster to seat belts only.
- Is their back flat against the seat back?
- Do their knees comfortably bend at the seat’s edge?
- Does the shoulder belt lie between their neck and shoulder?
- Does the lap belt lie against their hip bones/tops of thighs?
- Can they remain comfortable for the whole trip? (i.e. without fidgeting, sliding, or pushing the belt out of position)
We know that boosters can be a hassle and that you’re probably fielding the “Do I still have to use the booster seat?” question a few times a week — but hang in there! Graduating your child when they’re actually ready to leave the booster is much safer for your precious cargo — and may be closer than you think.
Booster seats? Check. Need tips on car seats? Check out our blog post here.
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
by California Casualty | Safety |
Power outages can last anywhere from a few hours to days or even weeks. In the latter case, an outage can affect entire communities, disrupting communications, transportation, and emergency response or health care services. It can also close businesses, banks, gas stations, grocery stores, and other services.
Understanding why and how they happen can help you better prepare. Next, having a plan and taking precautions ahead of time will help you and your family ride out the outage with less stress and a greater sense of control.
When and Why They Happen
Knowing how outages happen can sometimes help you predict when they’re most likely to occur – for instance, during storms or heatwaves. Other times, they’re random and unpredictable.
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- Weather – Storms and weather events such as high winds, ice, and snow are the most common cause of outages, oftentimes due to trees and limbs taking down power lines. Rain and flooding can also damage above-ground or underground electrical equipment. And earthquakes of all sizes can damage electrical grids.
- Animals – Far and away, squirrels cause the most damage to power lines, but snakes and other critters can prompt an outage by nesting in or climbing on transformers, boxes and other equipment.
- Human Error – Car accidents and digging mishaps — when underground lines are hit — are a common cause. Additionally, electrical overuse during heatwaves and other times of unusually high demand can overburden cables, transformers and other links in the system.
Get Ahead of an Outage with Smart Planning
Planning and preparation are key to making a power outage manageable. There’s no better time than today to get started on the steps below.
Communications
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- Download the NOAA radio app, your local weather alert app, and any other emergency app of your choice.
- Talk to your medical provider If anyone in your household requires electric medical devices or refrigerated medication. Get guidance on what to do if you lose power.
- Update your phone number and contact information with your electric provider.
Plans and kits
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- Assemble or update your emergency kit – one for your family and another for your pet(s). Be sure to check and replace all batteries and have fresh back-ups. Also make sure you have COVID-19 supplies such as hand sanitizer, wipes, masks, and gloves.
- Make sure your household evacuation plan is current, and all household members and pets are accounted for.
- Know your local community’s risk and response plans.
- Have a plan, budget, and some extra cash on hand in case power restoration is delayed.
In Your Home
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- Install surge protectors to help safeguard expensive appliances, computers and entertainment systems.
- Install carbon monoxide monitors with battery backup on every level of your home.
- Have at least a half tank of gas in your car at all times.
- Purchase household and food supplies ahead of time and stash some extras in case of an extended outage.
A Go-To Plan for When the Grid Goes Dark
Ideally, you and your family will have been able to take the above steps before the lights go out. If so, you’ll be ready to put the following strategies into place in order to remain as safe and comfortable as possible during the outage.
Communications
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- Tune into the NOAA radio on a battery-powered or hand-crank radio, and/or the local radio station for news and weather updates.
- Report the outage immediately to your local power provider (have their info printed out and handy).
In Your Home
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- Turn off and unplug all appliances, including the air conditioner, water heater, furnace, and water pump, as well as any sensitive electronics. Leave one light on to know when the power’s been restored – this helps prevent a circuit overload when everything comes back online.
- Keep refrigerator and freezer doors closed. Frozen food will stay frozen for 24-48 hours, depending on how full the freezer is. For refrigerated items, after about 4 hours, move perishable items into a cooler with ice (they should remain at 40 degrees Fahrenheit or colder to be safe).
- If using portable stoves or lanterns, only use them in sufficiently ventilated areas.
- Use flashlights instead of candles.
Outside
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- Report any downed power lines to your electric company. Keep yourself, family, and pets away from downed lines, flooded areas, and debris.
- Avoid driving if you can. Traffic lights will be out and roads will be chaotic and unsafe.
- If you’re operating a generator, follow safety protocols. Never operate it in your home, garage, or other enclosed spaces.
- Check on your neighbors. The elderly and young children are especially susceptible to extreme temperatures.
The length of time it takes to restore power can vary according to the cause of the outage, the extent of damage, and the geographic area affected. Electric companies have detailed plans and procedures for restoration — starting with repairs to damaged power infrastructure, then re-powering critical community services, and finally restoring power to individuals and businesses in order of density.
By following the tips above, you can ride out the worst of it with less stress, knowing you prepared well.
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
