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Home > Blog > Progressive Management Associates, LLC Blog Page 7
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Progressive Management Associates, LLC Blog Page 7

View the latest blog posts from Progressive Management Associates, LLC.

TUESDAY, MARCH 19, 2013

Teen Driving - PMA Insurance Services - (703) 449-1327



Teen drivers have the highest fatal crash risk of any age group. Per mile traveled, they have the highest involvement rates in all types of crashes, from those involving only property damage to those that are fatal. The problem is worst among 16 year-olds, who have the most limited driving experience that often results in risk-taking behind the wheel. Learn what parents can do to educate teenage driver.

Crash Risk Factors

  • Driver error
    Compared with crashes of older drivers, those of teenagers more often involve driver error.
  • Speeding
    Excessive speed is a factor in higher crash rates among 16-year-old drivers.
  • Single-vehicle crashes
    More fatal crashes of teenage drivers involve only the teen's vehicle. Typically, these involve high speed and/or driver error.
  • Passengers
    Fatal crashes among teens are more likely to occur when other teenagers are in the car. The risk increases with every additional passenger. In 2003, 59 percent of teenage passenger deaths happened in vehicles driven by another teenager.
  • Alcohol
    Although this is a problem among drivers of all ages, it's actually less of a problem for drivers ages 16 and 17. In 2003, the estimated percent of fatally injured passenger vehicle drivers of this age who had blood alcohol concentrations (BACs) at or above 0.08 percent was 16 percent — down 60 percent since 1982.
  • Night driving
    This is a high-risk activity for beginners. Per mile driven, the crash rate for teenagers driving at night with passengers is 4 to 5 times more likely than teenagers who drive alone during the day. (Source: National Safety Council, 2005)
  • Low seat belt use
    Teenagers generally are less likely to use safety belts than adults. In 2003, 57 percent of 16- to 20-year-old passenger vehicle occupants killed in crashes were not wearing safety belts. (Source:National Highway Traffic Safety Administration, 2005)

Teen drivers have the highest fatal crash risk of any age group. Per mile traveled, they have the highest involvement rates in all types of crashes, from those involving only property damage to those that are fatal. The problem is worst among 16 year-olds, who have the most limited driving experience that often results in risk-taking behind the wheel. Learn what parents can do to educate teenage driver.

Crash Risk Factors

  • Driver error
    Compared with crashes of older drivers, those of teenagers more often involve driver error.
  • Speeding
    Excessive speed is a factor in higher crash rates among 16-year-old drivers.
  • Single-vehicle crashes
    More fatal crashes of teenage drivers involve only the teen's vehicle. Typically, these involve high speed and/or driver error.
  • Passengers
    Fatal crashes among teens are more likely to occur when other teenagers are in the car. The risk increases with every additional passenger. In 2003, 59 percent of teenage passenger deaths happened in vehicles driven by another teenager.
  • Alcohol
    Although this is a problem among drivers of all ages, it's actually less of a problem for drivers ages 16 and 17. In 2003, the estimated percent of fatally injured passenger vehicle drivers of this age who had blood alcohol concentrations (BACs) at or above 0.08 percent was 16 percent — down 60 percent since 1982.
  • Night driving
    This is a high-risk activity for beginners. Per mile driven, the crash rate for teenagers driving at night with passengers is 4 to 5 times more likely than teenagers who drive alone during the day. (Source: National Safety Council, 2005)
  • Low seat belt use
    Teenagers generally are less likely to use safety belts than adults. In 2003, 57 percent of 16- to 20-year-old passenger vehicle occupants killed in crashes were not wearing safety belts. (Source:National Highway Traffic Safety Administration, 2005)

If you have any questions regarding teen driving and insuring your teenager, give PMA Insurance Services a call at (703) 449-1327. Locally serving Fairfax, Chantilly, Loudoun and the rest of the DC Metro area!

Posted 1:59 PM  View Comments


THURSDAY, FEBRUARY 21, 2013

Landlord, Rental Homeowners Insurance Call PMA Insurance Services at (703) 449-1327

We provide help for landlord/rental home insurance. If you are renting your stickbuilt or mobile home, we have many options to insure your rental dwelling. At PMA Insurance Services, we specialize in insurance for landlords.

As a landlord, there are many coverages to consider when insuring your investment. A fe w examples are:
1 Basic, broad, or special form coverage
2 $500, $1000, $2500, or $5000 deductible, which one to choose
3. Personal property coverage
4. Loss of rents

Give us a call at PMA Insurance Services at (703) 449-1327 or email at info@pmabenefits.com . We have over 20 companies for your home, auto, and business insurance, including Safeco, Travelers, Hartford, Metlife, Kemper, Progressive, GMAC, Utica National, Foremost, and ASI.
Posted 5:38 PM  View Comments


WEDNESDAY, DECEMBER 5, 2012

I have a DUI, now what? What is SR22 or FR-44 insurance?

PMA Insurance Services can help. Chances are, you have never heard of SR 22 or FR-44 auto insurance. SR22/FR-44 auto insurance is a
necessary step toward getting your license back. It carries a specific set of conditions that you won't find in any other auto
insurance policy and not all carriers provide it. Contact us today for a fast, free quote.  (703) 449-1327.
Posted 12:46 PM  View Comments


WEDNESDAY, DECEMBER 5, 2012

Open Enrollment Time.

It's that time of year and you are probably trying to make sense of your benefit options at work. Most employers will provide a few options on the health plans available. Premium costs are still increasing and with Healthcare reform, there is no guarantee they will plateau or decrease. If your employer offers an HSA and you have never considered it, this might be the year. A High Deductible HSA Plan most likely will be less expensive and you might find it that it actually works better for you if you are not a high utilizer of the healthcare system.  Remember, all Preventive care services that meet the requirements of federal and state law, including certain screenings, immunizations and physician visits are now covered at 100% on all your plans. HSA's are not for everyone, but you should seriously take a look at it if it is available.

If your company needs assistance with their Employee Benefits including the health plan, do not hesitae to contact us at (703) 449-1327.
Posted 12:40 PM  View Comments


TUESDAY, NOVEMBER 13, 2012

PMA Insurance Services welcomes Utica National and GMAC

I'm happy to announce that we have added 2 more carriers to our portfolio of top companies to our P&C division. Utica National and GMAC are our newest markets. Utica will provide both personal lines and Commercial lines markets. GMAC will provide auto insurance, home insurance and RV insurance. Do not hesitate to contact us at (703) 449-1327.
Posted 2:12 PM  View Comments


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