Motor vehicle crashes are one of the leading causes of death for teenagers in the United States. Teen drivers aged 16-19 are nearly three times more likely to be involved in a car accident with fatalities compared to drivers aged 20 and over.
In 2019 alone, close to 2,400 American teens aged 13-19 died from injuries sustained in motor vehicle crashes. Many thousands more required emergency medical treatment. These accidents result in billions of dollars in medical bills, lost wages, and other costs each year.
Teens are at a high risk for crashes due to their inexperience and tendencies to speed, text, or engage in other dangerous behaviors while driving. Certain teens, like males, those driving with teen passengers, and newly licensed drivers are at an even greater risk.
If your teen does get into an automobile accident, you should reach out to your car accident representative because there are important steps you need to take:
Assessing the Situation
The first priority is making sure they and any passengers receive medical attention. Call 911 immediately if anyone is injured. While waiting for help, they must not move injured victims unless they are in immediate danger.
Contacting the Authorities After A Crash
Always contact the police after a car accident, even for minor fender benders. An officer will file an accident report detailing what happened. The report can help determine fault and liability for insurance claims. Tell your teen to provide an accurate account of events to the officer.
Get Your Teen or Their Passengers Seen by a Medical Professional
Take your teen and any passengers to the emergency room or doctor to get checked for injuries, even if they seem fine. Symptoms from concussions, whiplash, and other problems can take time to manifest. A medical evaluation will thoroughly assess their condition and document any issues for insurance claims and future treatment. Some health insurance policies require patients to go to an approved urgent care center or hospital.
Reporting the Car Accident to Insurance
Notify your insurance company about the accident as soon as possible. Provide information like the time, location, and number of vehicles involved. Exchange insurance details with the other driver and tell the claims adjuster who they are and their insurer. Ask what information the company needs to file a claim, like accident photos, witness statements, police reports, and medical records. Save copies of accident photos, doctor’s notes, and repair receipts.
Hiring a Car Accident Lawyer
Consider consulting an attorney experienced with car accident cases, especially if injuries or property damage are extensive. If you contact an auto accident lawyer, they can deal with insurance negotiations so you can focus on your teen's recovery. They will determine fault, estimate damages, negotiate with insurers, and file a lawsuit if necessary.
Helping Your Teen Cope
A traumatic event like a serious accident can deeply impact teens. Be patient and understanding as they process the crash. Reassure them and provide comfort, but don't minimize their feelings. Watch for signs of anxiety, depression, or post-traumatic stress disorder like difficulty sleeping, lack of concentration, avoidance of cars, etc. If needed, seek professional counseling to help your teen cope.
Remind your teen that driving is a privilege requiring responsibility and maturity. Work together to establish and enforce realistic guidelines to keep them safe on the road through their high school years.
