Teen Drivers and Insurance - What You Need To Know

52% of the deaths of teenage passengers happened in cars driven by another teen

Real-World Case Study: The Risk of Teen Driving

Emily, a 17-year-old, decided to treat her best friend, Taylor, to a movie to celebrate finishing their finals. They were running late and didn't want to miss the show, so Emily sped down the highway.
She lost control going around a notorious turn and crashed into a car with a family who were heading to a pizza dinner.

Sadly, Taylor passed away at the hospital months later because of serious complications. The family suffered a loss of wages, emotional distress and lengthy hospitalizations — and one child had a permanent disability and needed ongoing physical therapy.
Emily's parents' standalone personal umbrella policy covered the exorbitant medical bills of all the victims.
Car Crash Claim: $3 MM

How to protect your family from financial ruin 

1.   A standalone personal umbrella policy adds a critical layer of protection for liability loss exposure
2.   You don't need to be a millionaire to be sued like one. You could be liable for any injuries resulting from an at-fault, covered auto claim.
3.   All licensed drivers in the household or regular-use operators must be listed on all policies, including youthful/inexperienced operators.

For more information on personal liability policies, visit Insurance Brokers Group.com