Teen drivers, as a group, pay more for auto insurance because they get in more accidents and cost insurers more money. This is due to their inexperience behind the wheel and the fact that some are more likely to engage in risky behaviors while driving. If your teen driver has been involved in an automobile accident, here are the steps you should take.

What to Do if Your Teen Driver Has an Auto Collision

1. Remain Calm

Curb the impulse to yell or scold. Stay calm—even though your heart may be leaping out of your chest. Make sure your child and the passengers are all safe and out of harm’s way. Worry about the vehicle later. 

2. Find Out What Happened

Accidents are often just that: accidents. Somebody did something unexpected, but the behavior wasn't negligent or criminal. However, it's important to find out if your child was texting, distracted, or under the influence when the incident occurred.

3. Impose a Penalty

If your teen was at fault in the accident, you should penalize them to an appropriate degree. This is a teachable moment, and they’ll learn that actions have consequences. Have them pay for any ticket received or contribute to car repairs out of their allowance.

4. Keep Them Nearby When You Talk to the Insurance Agent

When you report the accident to your auto insurance agent or insurer, have your teen with you so they can listen in. They'll get a better understanding of how serious the process is. It’s also helpful for them to be available if your agent asks questions to which you don't know the answer.

To have a skillful agent help you design an auto insurance policy that protects you and your teen driver, contact Lafever Insurance Agency in Cookeville, TN. They’ve served clients throughout Putnam County for more than 30 years. In addition to auto coverage, they also specialize in mobile home, SR-22, and motorcycle insurance. Call them at (931) 526-3377 to request a car insurance quote today.