Monthly Archives: April 2014

Car Surfing and Teenager Automobile Insurance Costs

Thrill-seeking teenagers are making what’s known as “car surfing” a rather more commonplace incident on roads, and comparable to skateboarding teenagers using a “half-pipe” without a helmet, but the activity can end in catastrophe.

Watching a favorite movie star in a film hold onto the side of an automobile in an escape attempt or deadly stunt can be exciting for anyone. In fact, the action should include a “do not attempt” alert, because teenagers are climbing onto vehicles and holding on for their lives, and part of this comes from the “Reality TV Shows” that everyone is enamored with.

Car surfing is when teenagers ride on the roof or hood of a moving car, while somebody else is driving, however, when the car stops or breaks suddenly the “car-surfer” can lose balance and fall ending in catastrophe.  Some of the common injuries include concussions, broken bones, road rash from coarse highways, and sudden death.

Most teenagers are impressed by similar stunts they have seen on television, at the movie theater, or by beginners posting videos on YouTube and other websites.  Most teenagers involved in this dangerous activity do it for glamor and prestige in front of their friends and some do it because of peer pressure, attempting to achieve the “badge of honor” among school friends.

Car surfing isn’t new, it was first televised in the movie “Teen-Wolf” with Michael J. Fox in 1985, however with the influence of reality TV and internet medium You-Tube, many young adults are engaging in this activity and parents have to take precaution.

Car Surfing has definitely made a significant impact in car insurance rates for teenagers because they are viewed as high risk.  In particular, the States which are affected the most are the West Coast States such as California, Oregon, and Washington State. It doesn’t matter if you are talking about car surfing, texting while driving, or putting too many passenger in a vehicle, whatever the activity is, insurance companies are grouping young drivers who are susceptible to taking risks in or out of the car.

Implications of car surfing is devastating when you take a look at the statistics.  At least ninety percent of young drivers died or sustained major head injuries in accident they were car surfing.  Of the head injuries, over fifty percent of those cases resulted in deaths, and from 1990, there were reported approximately 60 plus cases and by the year 2009, there have been hundreds of car surfing cases reported in over 30 states across the U.S.

This is a huge concern for most car insurers since car surfing is not something that is mentioned in car insurance premiums.  Many teenagers who have suffered permanent injuries have tried to reach out to other young drivers.

A few think tanks have looked into the ages of those concerned in car surfing and found the average age of people hurt from car surfing is 17.1 years of age. The most often-injured group is teenage males age fifteen to nineteen. The invincibility factor is huge, and in children, it is very robust in the sense that they don’t see this as ever occurring to them, they are smarter than the “average Joe” and they simply don’t think about dying.  When people survive, head wounds can bring about loss of memory, behavior issues, partial brain death and paralysis.

Car surfing is not as common as other risks, for example, texting, which have led to new laws to keep drivers safe. Safe driving advocates and insurance firms inspire parents to speak with their kids, pay attention to what they are watching on television, and realize the internet is full of contributing influence to teenager’s erratic behavior.

Many claim that insurance companies are going to raise premiums for known teenagers engaged in car surfing and the worst result for parents which refuse to pay attention, the insurer could cancel the policy.