Today, young drivers are put in a position that their parents were not.

When I started driving the rules were simple. If you were in a wreck, whoever got the ticket at the scene of the accident or was deemed to be at fault by the police officer would be forced to have their insurance pay. Therefore you controlled your insurance destiny to a large degree. If you drove carefully, didn’t speed and didn’t drink then you would develop a good driving record and your rates would go down. Also if you did well in school you may even have gotten a “good student” discount.

As with so many things it seems in our country, we decided to stop rewarding individual responsibility by making the person not at fault just as guilty as the person at fault. These were called “no- fault” laws. If you got in an accident then you and the other parties’ insurance would split the costs or in some cases battle it out.

What was the purpose of this change?

Of course “no-fault” everything had arrive into fashion such as no-fault divorce. It was just a way to expedite cases through the court systems.

In the space of auto insurance, instead of having to rely as remarkable on individual driving records, companies could base their rates on the type of car, age and area as much as a driving record. However, it also gave them an opportunity to eschew benefits for favorable driving records.

That is not to say that companies still don’t weigh in on good driving benefits. However, I think if you search for the promotions you find companies try to get you to sign up with initial discounts as opposed to positive driving history.

Another thing that has changed is the rules for drinking and driving. Many times a driver who is a first-time offender basically gets a “slap on the wrist.” It isn’t until they flaunt the rules more than once or earn into an accident that they pay a major sign and then they may lose their driving privileges for a period of time.

So today in the 21st Century, what should be the young drivers’ approach to their “driving career? “

You should know that if you are in an accident just being “in the right” may not do you any good at all. That makes it doubly, no “triply” important that you drive defensively. Areas that you have control over, obey the law such as drinking and driving and speeding. If you are a very young person be careful how many pals you transport at once. We all tend to lose are heads in front of an audience.

Retain this in mind: Fair as you have little in the map of individual achievement to keep you out of “general grouping,” if you get in a bad group it will lift longer to get out of it.