New Driver Pledge Acknowledgement of New Driver and SMART Driver Discounts AAA Insurance Company Named Insured
P. O. Box 5823 Irvine, CA 92616-5823 Auto Policy Number
Driver’s Name
As a new driver who: • Is 16 to 18 years old; • Has a clean driving record; and • Has carefully reviewed with your sponsor “CRITICAL INFORMATION FOR TEENAGE DRIVERS AND THEIR PARENTS”, you qualify for AAA’s New Driver Discount. You may also qualify for the AAA SMART Driver Discount by successfully completing the ® teenSMART driver training course home study program developed by ADEPT, Inc. Keep up your good driving habits and we’ll continue to reward you with the insurance premium savings that go to responsible and safe drivers. Please read this form and sign below to acknowledge the following:
I understand that I will lose the New Driver Discount and SMART Driver Discount (if applicable) at my next policy renewal if: I am convicted of a moving violation or am principally-at-fault in an accident; or My driver’s license is suspended or revoked for any reason I understand that: • If I lose the discount(s) at renewal due to tickets or accidents, I will also be charged for driver safety record points and my premium will go up significantly for up to three years (typically by several hundred dollars) I understand that driving safely is my responsibility and, therefore, I pledge to: • • • • • •
Obey all traffic laws and my family’s driving rules Drive in a safe and responsible manner Always wear a seat belt and make sure my passengers do too Never have more people in my vehicle than there are seatbelts for them to wear Never drive under the influence of alcohol or drugs Never drive after my curfew or beyond the driving area limits set by my parents New driver’s signature: ___________________________ Sponsor’s signature: ___________________________ Date: ___________________
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teenSMART DRIVER TRAINING COURSE INFORMATION SUMMARY SHEET SHORT PROGRAM DESCRIPTION The teenSMART driver training course developed by Advanced Drivers Education Products & Training, Inc. (ADEPT) picks up where basic driver's education leaves off. It's designed to give licensed teen drivers the advanced, real-world skills they need to drive safely and avoid accidents. The teenSMART program consists of a Student Workbook, Parent Guide, videotape, 6 CD-ROM set, Certification Test Results Diskette and return diskette mailer. Teens, with assistance from their parents, complete the eight to ten-hour program at their own pace at home and in the car. Upon successful completion, teens receive a 25% or 30% AAA SMART Driver Discount on Bodily Injury, Property Damage, Medical Payments, Uninsured/Underinsured Motorists Bodily Injury and Collision Coverages.
THE teenSMART PROCESS 1. 2. 3. 4. 5. 6.
Customers call their AAA Sales Representative or Customer Care for information about actual insurance premium savings. Customers purchase the course directly from ADEPT via phone (800-737-7890). The ADEPT order line is available 24 hours a day. Product support hours are 8:00 AM to 5:00 PM Pacific Time. VISA and MasterCard are accepted. Teen and parents complete the eight- to ten-hour program. Teen successfully completes the certification test and sends results to ADEPT via mail or email. ADEPT sends teenSMART graduation information to AAA Insurance twice a month. AAA Insurance applies the SMART Driver Discount to the policy.
KEY BENEFITS Driver’s Ed teaches teens the basics of driving, but teenSMART takes driver training to the next level. It’s designed to provide critical driving skills for teens who already have their license to help reduce crashes and save lives. According to the National Safety Council (Injury Facts, 2001) and ADEPT Research: • More than two out of five 16- to 19-year-old drivers (over 40%) are involved in car accidents each year. • Teens are nearly three-times more likely to die behind the wheel than all other drivers. • teenSMART beta test graduates had 71% fewer police reported accidents than the national average and 30% fewer police reported accidents than a highly trained control group with similar demographics. Upon successful completion of the course, the teen will receive a 25% or 30% SMART Driver Discount on select coverages. As long as the teen remains violation and accident free the discount remains until the renewal that follows th their 19 birthday. The insurance savings can be significant and come with ADEPT Driver’s money-back guarantee: teenSMART will pay for itself through insurance savings, as long as the teen continues to qualify .
FREQUENTLY ASKED QUESTIONS Q. Who qualifies for the AAA SMART Driver Discount? A. Licensed teens age 16-18 who are violation and accident free on a AAA Insurance automobile policy are eligible for the discount. Q. What are the requirements to take the program? A. A driver’s license or permit for the teen driver; a TV and VCR; any personal computer with Windows 95 or higher, 32 MB RAM, Pentium 200 MHz processor, 4X CD-ROM drive. teenSMART is not currently Macintosh compatible. However, some Macintosh owners have successfully run teenSMART using Virtual PC, but ADEPT cannot provide technical support for Macintosh systems. Q. When and for how long will the SMART Driver Discount be applied? A. If a customer purchases and completes the teenSMART program within 60 days of policy inception, renewal or adding a teen to their policy, the discount will be applied retroactively back to the inception date, renewal date or the date the teen was added. If a customer completes the program after the 60-day window, the discount will be applied as of the date the teen passes the teenSMART certification test. The discount is available beginning at age 16 and is removed at the first policy renewal after the teen turns 19. Q. Can the teen lose the discount early? A. Teens can lose the SMART Driver Discount early if they are convicted of a moving violation, are principally at-fault in an accident, or their driver’s license is suspended or revoked for any reason. Q. What is the cost of the program? A. The regular course cost is $119.95. The price for AAA customers with a AAA $50.00 discount is $69.95. Additional copies of the program that are sent to the same address cost $49.95. Basic shipping and handling of $8.00 is added to the price of all orders, and tax is added where applicable.
Q. Do customers need to purchase a separate copy for each teen? A. A purchase is required for each teen to receive teenSMART Certification. However, there are program components that can be shared by several teens. Therefore, if there are multiple orders that go to the same address, the additional orders are only $49.95. Q. How does the teenSMART program work? A. There are three elements to the teenSMART program. All are done at the customer’s convenience at home. Program Component
How Many?
Parent-Teen Activities
4
At home/ in the car
Average time is 1.25 hrs for each activity
Computer Time
3
Home Computer
Approximately 1 hour each
Certification Test
1
Home Computer
Approximately 1 hour
Location
Time to complete
Description Parent-Teen Activities include a lively and informative video, accompanied by a Student Workbook and Parent Guide. These materials provide easy-to-follow, step-by-step instructions for completing the program. With in-car driving sessions conducted under parental supervision, teens apply what they have learned to real-world driving situations. Computer-based driving tutorials are completed on the home computer using a set of 6 CD-ROMs. The CD-ROM sessions provide hands-on, in-depth practice. Teens are asked to demonstrate specific driving skills and are given immediate, interactive feedback. This is the final element of the program. The test provides a way to assess whether a teen has mastered all the key content areas. Teens receive ADEPT Driver certification once they pass the test and send their test results to ADEPT Driver. AAA Insurance is notified and the SMART Driver Discount is applied to the policy.
Q. How long does teenSMART take to complete? A Plan on eight to ten hours to complete the entire eight-step program. Approximately half of the time is allotted to ParentTeen Activities, which include in-car-driving exercises. Computer Time Activities and the at-home Certification Test take up the remaining time. Q. How does the certification process work? A When the teen has completed all of the Computer Time activities and entered the codes from the teenSMART video, they will be allowed to take the Certification Test. Teens may take the test as many times as they need to in order to pass. Teens mail or email their test results back to ADEPT where a Certificate of Completion will be generated and sent to the teen. ADEPT sends certification results to AAA Insurance twice a month. Q. Who do I call if I have other questions about teenSMART or the SMART Driver Discount and how it is applied? A. teenSMART purchases and technical questions are handled by ADEPT. The toll-free phone number is (800) 737-7890. All SMART Driver Discount questions can be answered by your AAA Sales Representative or Customer Care. The Customer Care phone number is (800) 207-3618. Q. How much can I expect to save? A. Actual savings depend on what types of cars are on your policy, the coverages purchased and other variables. An example follows based on a six-month premium of $741: New Driver and No
New Driver
SMART Driver
No Discounts &
Scenario
Discounts
Discount
Discount
Six-month premium
$741
$704
$515
$870
$928
Six-month difference
$37 Savings
$226 Savings
$129 Increase
$187 Increase
Annual difference
$74 Savings
$452 Savings
$258 Increase
$374 Increase
Speeding Violation
No Discounts & At-Fault Accident
As you can see, the three-year savings are significant and easily cover the cost of the teenSMART course. More important are the potential savings of life, bodily injury, and/or property damage.
