According to a recent survey by MADD Canada, new drivers are almost 45% more likely to be involved in a crash than experienced drivers. (1) As motor vehicle accidents are one of the leading causes of death among teenagers, that’s a pretty big deal. So it comes as no surprise that 78% of Canadians say that safer roads would result from more people receiving driver’s training.
Students, instructors and vehicles are all impacted by driving schools and driving instructors’ policies, whether it’s fleet insurance to cover unexpected accidents or liability insurance to protect against lawsuits caused by an injured student, instructor or third party. An owner of a driver training business should understand all risks and know the options available to mitigate them.
Driving Instructors Are Mandatory Across Canada
For the past decade or so, Canada’s provinces and territories have recognized the incredible safety benefits of driver training – for both youth and adults. As such, almost every province and territory in Canada has graduated licensing programs (GLPs) for young and beginning drivers. In these programs, young and new drivers gain experience while limiting known risks. In addition to requiring no blood alcohol content and setting limits on passenger numbers, they usually impose restrictions on night-time driving and highway driving.
What Kind of Coverage Do Driving Instructors Need?
Driving instructors may own only one vehicle or a fleet of vehicles and equipment for heavy commercial licensing. Business owners in this hard-to-place market need specialized brokers who understand the risks they face every day. For example, who is responsible for an accident caused by a student while driving a training school car? Whatever the cause of the accident, driver training schools need to be covered for legal expenses in the unlikely event they are required to defend themselves in court.
If a liability claim for negligence is made against driving school instructors, the coverage will assist them if someone sues them for property damage, injuries, or illnesses.
A driver trainer may also have less obvious needs that require coverage. Because of this, it is essential to have a broker who can take the time to understand their business in order to provide them with the options they need to protect what matters most to them.
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