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R&R Insurance Blog

A Car Crash is the Leading Cause of Death for Teenagers

Posted by the knowledge brokers

Teen-DriversReal-World Case Study: The Risk of Teen Driving
Provided by PersonalUmbrella.com


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 heading to dinner.


Sadly, Taylor passed away at the hospital months later due to serious complications. The family suffered loss of wages, emotional distress and lengthy hospitalization - 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.


Claim: $3MM


Here are 3 reasons why you need an umbrella policy:

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. Contact your carrier for requirements.


Contact a Knowledge Broker in our Personal Insurance Department to learn more.

Topics: Personal Insurance, teen driving, personal umbrella, car accident, umbrella