A New driver is such a car driver who is newly learning the skills of driving cars on the road. In general cases students fall under this category. They are basically newly license holder who takes the initiate of learning the different skills of motor driving on road. They have to be very cautious while driving cars on road due to the lack of their past driving records.
Importance of the Insurance coverage
Insurance covers are gaining much importance nowadays due to the occurrence of the more and more road accidents. Car Insurance companies basically protect the cars and related vehicles from any kind of uncertain road accidents. These companies also provide protection to the vehicles from theft and fire. These companies examine properly the details of the occurred incidents measure and calculate the entire loss and damages occurred and provide financial compensation in accordance with that.
Reasons of high Insurance for New driver car
Rate of New driver Insurance is more in comparison to the national average because New driver car drivers are highly prone towards frequent car accidents due to various reasons .These cars are mostly driven by the teenagers who are statistically more likely involved in both fatal and non-fatal accidents from time to time because they have yet to build up a proven driving record. New teenaged drivers are too inexperienced to handle high risk driven situations and have a higher chance in getting involved in serious accident or collision.
Cheaper Insurance rates for new driver car
A new driver is eligible to get lower rates of Insurance premium for some special reasons which show their eligibility of getting lower rates of Insurance Premiums. Good students and students having GPA are highly eligible for certain Insurance premium discounts because they are proving that they are responsible. For lower rates of Insurance premium policy families can apply for a Multi-line Insurance policy for the new driver in their families .Maintenance of a good driving record in a long run may sometimes lead to the lower new driver Insurance premium. Even after not having a driving record if a new driver ensures about their noninvolvement in any DUI incidents and take extra precaution on road while driving can be eligible for the same.
How new drivers can apply for a compensation
Taking Insurance policies for the cars on road in advance is very much essential so that in times of fatal incidents their damages or losses can be quickly compensated by the Insurance companies. The new drivers should fill an Insurance form after clearly going through all the terms and conditions so that in case of any fatal or non-fatal incidents their all losses can be financially compensated.
So this would be a valuable suggestion for all the new drivers to take proper car Insurance Policies because they are more prone towards facing frequent accidents on road while driving.
This is a good informative post by Sachin for new drivers. If you are a new driver then make sure you are giving importance to new driver insurance and going for it so as to drive safe and tension free.