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There are two different groups of drivers that are considered the most dangerous on the road, the teens and seniors. The teens are young and are beginning to drive. They are learning about the rules that need to be followed on the road. There are also the seniors which even though they have more experience, their response time decreases significantly. By taking a look at the negative aspects of bad driving in each group we can come up with a conclusion of who is the worst driver - teens or seniors?

Seniors are the most experienced in driving, but with age they start loosing their senses. Hearing and lost of eyesight are the two major senses that people within the senior age group start loosing. The response time for seniors is longer thus making them less reliable. Their memory tends to be shorter as well.

Seniors usually do have more time to travel to their destination but because of the loss of senses and memory capabilities they get lost. This leads to a confusion that causes accidents, making them less reliable on the road.

Teens are beginning to drive they are trying to cope with school, work and rules. Teens have all of these issues to work with and not enough time to place them in order or to prioritize them. Teens sometimes are unable to decide right from wrong. Teens can be immature and do not have enough experience to figure out quick decisions and that all the responsibility that is needed to be structured in order to have a better and safe environment system on the road.

Teens are under peer pressure. This pressure can get them involved in street car racing to prove to others who is tougher. This is a game that only ends up being dangerous to all with consequences that leads to nothing but sadness to all of us that care because teens can hurt themselves, others that are racing or even unsuspecting passer-bys.

Teens are also into customizing their vehicle. Customizing can void or destroy most of the safety features the vehicle was built with originally. Teens are also a risk on the road because they also want to have fun. The teens do not think of the consequences of what their driving can do. Some teens drink alcohol and use drugs and still take off driving thus putting at risk all of us on the road.

Music is a big effect on teens. They listen to music that stimulates the brain and distracts them making the teen drivers less reliable on the road getting carry away. Teens are also distracting with calls on cell phones while driving. While a more experienced driver might be okay taking a call teens don’t yet have the experience to deal with this extra item that takes away their focus on driving.

Another factor I must add is when teens are traveling in groups they tend to distract each other causing the driver to loss the focus on the road and that is when fatal accidents occurred. Teens have fatal accidents due to careless driving every year.

Think about the issues I discussed for both seniors and teenagers. Both groups have different sets of concerns. Both can make driving difficult on the road for us. Now I ask you, who are the worst drivers Teens or Seniors?

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I don’t sell car insurance, but as a lawyer practicing in the field of personal injury I frequently see people suffer because they have the wrong insurance coverage. Often, this happens because they purchased directly from an insurance company instead of an independent broker.

Many of my clients who have been seriously hurt in a car accident were struck by someone who had no insurance or only the minimum liability insurance coverage, which is $25,000 in New York and much less in many other states. Unfortunately, many of my clients were sold insurance policies with liability limits of $100,000 or $300,000, but were not sold matching uninsured and underinsured coverage.

Just this week, yet another new client had this problem. My client was a pedestrian crossing the street when she was struck by a car which fled the scene. The driver was caught shortly after leaving the accident, but the owner of the car only has the New York State minimum liability insurance of $25,000 and my client has serious injuries consisting of many broken bones including a fractured arm, leg and skull.

My client owns a car with liability insurance limits of $300,000, but she purchased the insurance from GEICO whose salesperson didn’t sell her underinsured coverage. GEICO does not use independent insurance brokers, but sells insurance directly to consumers through in-house sales agents.

For a small fee, my client could have purchased underinsured coverage of $300,000 which would have allowed her to recover $300,000 for her injuries instead of $25,000. Ironically, she did not need the $300,000 liability coverage to protect her assets. However, since you cannot buy underinsured coverage higher than your liability coverage, I would have advised her to purchase $300,000 liability coverage for the sole purpose of being able to purchase $300,000 underinsured coverage.

I have had many clients in this situation who lost their jobs because of serious injuries and incurred substantial debt. If they had matching underinsured coverage, the additional money available to pay their claim would would be a big help to pay their bills and get their life back together.

Underinsured motorist coverage will pay you money from your own automobile insurance policy if you have been hurt in a car accident by someone who was negligent for causing your injury and who had less liability insurance coverage than you did. Uninsured motorist coverage will pay you when the other car did not have any insurance coverage or the identity of the other car is unknown.

Underinsured and uninsured coverage is inexpensive and usually available in limits that match your liability insurance coverage. It is not available in amounts greater than your liability insurance coverage.

Underinsured and uninsured coverage is so important that a couple of states now require coverage limits matching your liability insurance limits, unless you decline the coverage in writing. Several years ago, I suggested to several New York State senators that they enact a similar law in New York.

I have also seen many clients who were not sold the maximum medical payments insurance, which costs me only $2.01 per month on my car insurance policy. This is particularly important for people who do not have a good health insurance policy. It is also beneficial for passengers who do not have health insurance.

Why should you buy car insurance through an independent insurance broker? The courts have defined the reason. There have been several “malpractice” lawsuits against insurance companies for failure to offer underinsured and uninsured motorists coverage limits matching the liability limits. However, when the insurance company sells directly to consumers, these cases have gone in favor of the insurance companies. The courts found that when a consumer buys insurance directly from an insurance company, rather than an insurance broker, the consumer is only buying insurance and is not paying for advice.

When you buy auto insurance from an independent insurance broker who represents several different insurance companies, you get the advantage of an insurance professional who can evaluate your needs and advise you accordingly. Additionally, only an independent insurance broker can provide you with a choice of insurance companies and premiums, so you get the best coverage at the lowest price.

Whether you buy your car insurance directly from an insurance company or through an independent insurance broker, always make sure that you purchase matching uninsured and underinsured motorist coverage and the maximum medical payment benefits.

Philip L. Franckel, Esq., is the founder of http://www.HURT911.org an accident and injury research web site for people hurt in an accident and personal injury lawyers. Mr. Franckel also publishes articles on Lawyer Advertising at http://www.Lawyer-Advertising-Blog.com

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