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Flock Insurance Blog
New rules for teen drivers effective Dec. 24, 2011 Oct 31, 2011
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Limit on the number of passengers under age 18: no more than one (except for immediate family members) for the first six months; no more than three after the first six months
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Increase in behind-the-wheel training: 65 hours (up from 50), 10 of which must be at night and five of which must be during inclement weather
PRESIDENT DECLARES DISASTER FOR PENNSYLVANIA Sep 13, 2011
President Declares Disaster For Pennsylvania Flooding
Per FEMA:
The President's action makes federal funding available to affected individuals in the counties of Adams, Bradford, Columbia, Cumberland, Dauphin, Lancaster, Lebanon, Luzerne, Lycoming, Montour, Northumberland, Perry, Schuylkill, Snyder, Sullivan, Susquehanna, Union, Wyoming, and York.
Individuals and business owners who sustained losses in the designated counties can begin applying for assistance by registering online at http://www.disasterassistance.gov, by web enabled mobile device at m.fema.gov or by calling 1-800-621-FEMA (3362). Disaster assistance applicants, who have a speech disability or hearing loss and use TTY, should call 1-800-462-7585 directly; for those who use 711 or Video Relay Service (VRS), call 1-800-621-3362. The toll-free telephone numbers will operate from 7 a.m. to 10 p.m. (local time) seven days a week until further notice.
Monitor Your Teen's Driving Jan 5, 2011
Automobile accidents are easily the leading cause of death for teenagers across America, according to the National Highway Traffic Safety Administration (NHTSA). For both genders, drivers between the ages of 16 and 19 have the highest average annual crash and traffic violation rates of any other age group. NHTSA data also show that unaccompanied 16- and 17-year-olds crash nine times more often than adults.
Research indicates that young novice drivers tend to underestimate the crash risk in hazardous situations. Teen drivers also tend to take more risks while driving, partly due to their overconfidence in their driving abilities. One way for parents to reduce their teen's chances of being involved in an auto accident is to use technology to monitor their driving characteristics and provide appropriate feedback.
A number of "black box" products are now available on the marketplace to facilitate monitoring drivers. These small devices (often the size of a pager and starting at around $280) can be simply installed into the auto your teen drives by plugging them into the Vehicle Data Link Connector (on 1996 and new vehicles). They can detect and record your teen's speed, aggressive driving such as "jack-rabbit" takeoffs, failure to wear a seat belt, unsafe backing techniques, driving locations, monthly mileage, and driving times. Thus, if your teen's curfew is at midnight and they get home at 1:00 a.m., you will know it.
With some of these products, you can simply pop the memory card out of the "black box" and plug it into your PC to display the reports and graphs. You can then review the results with your teenager, providing a great educational opportunity based on solid, technology-driven evidence. Research indicates that this type of monitoring and coaching pays off big dividends in the form of safer teen driving. Numerous companies offer these products in the marketplace, with some of the more sophisticated ones costing upwards of $1,000. A few insurers offer discounts for families who utilize these devices.
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