From the mouths of babes… Right through a parents’ heart and to their pocket book!
As parents, we have all experienced the thrill of our children being born, the trepidation of watching them achieve milestones throughoutchildhood, and the fear of sending them out into the world unsupervised for the first time.
But nothing we experience as parents can compare to the first time we hand over those car keys the day they pass their driving test.We only thought that teaching them to drive was the hard part.
As an Oklahoma Auto Insurance provider, I have had many parents sit across my desk with their children while obtaining coverage for their teenager’s first vehicle. The scene is always pretty much the same; Mom has a wide eyed look of fear, Dads jaw is sitting on the desktop after getting a glimpse at the premium, and the teenager sits with a grin that stretches from ear to ear and a mischievous, triumphant glint in their eye.
We start to talk about safety and driver responsibility and then I hear the infamous words that all teenagers believe to the depths of their souls, “I’M NOT GONNA CRASH!”………ahhhh ……from the mouths of babes.
This is the part where a parent’s heart skips a beat, they seize up in fear, and horrible scenes flash through their minds.They have to control the urge to snatch those keys right out of their kid’s hand and just forget the whole darn driving thing. Because, as far as the kids are concerned, parents are the only ones who DON’T know that all teenagers are 10-foot tall and bullet proof.
I can’t guarantee the safety of your child on the roads and I can’t do anything to ease your fears about your child’s safe driving habits, but I can offer you a few options that will help tremendously if the unthinkable does occur.
OK auto insurance coverage offers a few options that not many parents are aware of (this is the part that goes directly to your pocket book):
• Medical coverage on your auto policy is available. This option covers medical expenses that standard health insurance does not such as deductibles and the 20% of hospital bills that you are responsible for. Coverage can range from $1,000, $5,000, or $10,000 and can cost as little as $9 per month. All you have to do is send us the bill and we will pay it for you.
• Towing coverage will reimburse you for the expenses of having your vehicle transported to the nearest repair facility, directly to your home, or if necessary the salvage yard (ugh). Coverage can be as low as $3 per month and can end up saving you hundreds of dollars.
• The standard basic coverage required by law is 25/50/25. This means $25,000 per person injured/$50,000 per accident/$25,000 for property damage. If you think about it, there are a lot of cars out on the roads worth more than $25,000, hospital bills can quickly exceed these limits and teenagers can and do squeeze twenty kids into a car that seats five. Anything over these limits is the responsibility of the insured. Coverage options of 50/100/50 and 100/300/100 are available at a relatively low increase in premium and may be well worth the financial security.
Please feel free to contact our office so that we can help ensure that in the event of an accident, your family is financially protected. Let us worry about the money; you just worry about those kids.