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Parents Need To Safeguard Their Keys To Protect Their Car Insurance Coverage

It can be hard to be a parent in today’s society. We live in a time where kids grow up so fast and they develop their own personalities. One problem many parents of teens is that they often think that they are adults when they really still have the minds and maturity levels of children.

When teens become around 14 they begin to become excited because they will be able to get their driver’s licenses soon. Some parents have had issues with their kids who have taken the car without asking for joy rides and landed themselves in legal and financial hot water.

When a child no matter what their age steals the keys and drives away they are putting their parents in jeopardy regardless of whether they know how to drive or not. For example, one mother went for her daily walk and returned home to find that her Range Rover had been stolen from her driveway. She looked inside of her purse at home and found that her 15 year old son had stolen her keys and had taken her car without asking. She immediately called her police but it was too late and her son had already been involved in a collision a few miles away.

The boy had no driver’s license and due to his age and not having a license he had not been listed as a household member so he was not covered by the woman’s car insurance policy. In total, the boy causes over $250,000 in medical bills and over $40,000 in property damage. The mother’s car insurance company stated that they would not cover any of the claims because the car had been taken by the boy and he caused the car accident to occur. 

Parents need to educate their kids on the fact that driving is a privilege that takes a lot of maturity and responsibility. Most teens think that once they have taken driver’s education classes that they know all of the rules of the road and that is enough to get them through the rest of their life.

It is important to keep your car keys out of sight because teens are very smart and they can take them at any time and go for a little joy ride.  Teens are very impulsive at times so they might not understand it but it is a form of protection not only for you but for them as well. Every year thousands of teens die in fatal car crashes that could have been avoided if they had exercised better judgment. If you are a parent of a teen driver then consider educating them not only on driving skills but on rules regarding the use of your vehicle.

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