As the new school year begins, many families are getting back into their routines, which often means spending more time on the road. From driving kids to school to sending undergraduates off to college, this time of year brings a flurry of on-the-road activity.
Regardless of where you live, there are always potential hazards on the road. Whether it’s heavy traffic, inexperienced drivers, or unforeseen incidents, auto accidents can impact a student’s journey and, ultimately, their success.
That’s why securing a successful future starts with coverage. By making sure you have the appropriate coverage, you can protect your family and focus on what truly matters: a great start to the new school year!
So – what are some key considerations in the process of establishing auto coverage for students in your family?
1. Teen Drivers
Having a teen driver is an exciting milestone, but it also brings new responsibilities. Teenagers are statistically more likely to be involved in accidents due to their inexperience behind the wheel, making it crucial to ensure they are adequately covered under your auto insurance policy.
Talking with a HAWK adviser can help you understand your young driver’s comprehensive and collision needs. Taking these steps not only protects your investment but also provides peace of mind knowing that your teen is covered.
2. College Students
If your child is heading off to college, it’s important to update your policy to reflect their new situation. If they’re taking a car with them, confirm that their coverage extends to their new location. Different states have different insurance requirements, so you’ll want to confirm that your policy meets the local regulations.
Even if your child isn’t bringing their car to college, discussing their coverage options with a HAWK adviser can help ensure you’re up to date. These adjustments can lead to significant savings while still keeping your student protected.
3. Carpooling
Carpooling has become increasingly popular as a way to save on gas and reduce environmental impact. However, if you’re driving other people’s children, or your kids are carpooling with friends, it’s essential to understand how your auto insurance covers passengers.
Most standard auto policies provide some level of liability coverage for passengers, but there may be limits or exclusions, especially if you’re engaging in ridesharing activities. It’s important to review your policy to ensure that you have sufficient liability coverage to protect yourself in case of an accident. Discussing your options with an experienced personal lines adviser will help you properly evaluate your coverage and potentially avoid legal or financial issues should something happen while carpooling.
4. Policy Updates: Keeping Your Coverage Current
Life changes often mean updates to your insurance policies. Whether it’s a new driver in the family or a move to a new location, it’s crucial to keep your insurance policy up to date. A quick review of your coverage with HAWK can help you identify any gaps and make necessary adjustments.
This proactive approach mitigates worry by helping you make confidant insurance buying decisions. No one likes surprises when it comes time to file a claim. Remember, your insurance is there to protect you when you need it most, so it’s worth taking the necessary time to ensure your policy is current and designed to meet your specific needs!
Amid the back-to-school rush, one goal stands out: keeping everyone safe. That’s what HAWK is all about!
Meaningful and Rewarding insurance experiences starts with ensuring your family has the right auto insurance coverage for a smooth and successful start to the school year.
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