Category Archives: Driving

Learner Insurance

Statistics show that learner drivers are more likely to be in a car accident than any other drivers on the road. This makes it essential to ensure that a learner driver is insured in the event of an accident.

There are two types of insurance that the learner driver should have:

– Liability insurance to cover the medical expenses and costs for damages to a third party. A third party is any person who was injured in the accident or whose property was damaged.
– Personal cover to pay for their medical expenses and damages in the event of an accident.

As a learner driver will not be able to own a vehicle, they will not be able to take out regular car insurance. The best option is to be added to a parent or guardian’s existing insurance policy as an additional driver of a specified vehicle.

This is often the cheapest insurance option for learner drivers. However, it is important to inform the insurance provider that the additional driver does not hold a valid driving permit or driver’s licence. This could up the insurance rate for an additional driver slightly.

The second option is to opt for individual learner driver insurance. This is normally a short-term insurance policy that only lasts until the driver receives their permit. The risk for this type of insurance policy is very high so the insurance premium can be very expensive. However, not as expensive as having to cover the costs of an accident out of pocket.

To apply for learner driver insurance, the individual will need to meet with some requirements.

They must be of age and be in possession of a learner driver permit. In other words, the learner driver must have passed the theory portion of a driver’s test or exam, had an eye test and met with all the other requirements to receive a learner’s permit.

They will also need to meet with the traffic laws and other, legal requirements that apply to learner drivers:

– They must be accompanied by a holder of a valid driver’s license or a driving instructor at all times while in control of the vehicle.
– They may not carry or drive with any other or additional passengers in the car.
– They may not drive on the motorway or highway.

If the learner driver contravenes any of these rules and causes an accident, the insurance provider will simply deny any claims whether personal or for third party expenses. Other restrictions may also apply to learner driver insurance:

– The policy may only make provision for one claim on an annual basis.
– The policy holder may need to pay in a residual or deductible before their claim is paid out.
– If an accident was caused due to negligence or the intentional actions of the learner driver, the insurance might exclude the claim.
– If an accident was caused while the driver was drinking or under the influence of any medication, the claim might not be awarded.

Learner drivers and the insurance policy holder need to be aware that limits may apply to the amount that they can claim for under certain circumstances. In general, these limits apply to medical expenses and the costs of repairs to a vehicle or the replacement of a vehicle.

Some insurance providers will also include a death or disability portion that can be claimed by the driver or by a third party. In these cases, the learner driver does not necessarily have to be at fault in causing an accident to claim the benefits.

Be aware that the moment the driver receives their permanent driving license, they will need to upgrade their insurance policy or additional driver status on an existing policy.

Changes To Learning

Learning to drive seems to be something that everyone wants to do before their time, right? By the time you’re going for your learner’s permit and license, you likely have asked to be behind the wheel many times. Some parents allow their children to take the wheel in certain situations, even if just in the driveway, but those days are mostly gone. Nowadays, everything seems to be all about driver’s training courses.

You take the driver’s training courses; you end up with your license, and you’re done. But learning to drive when I was younger, which wasn’t too long ago, was quite different. I got my license in 1996, but I had driven an old station wagon down an old country gravel road. I had also driven in other situations, too. However, wouldn’t you know it, I failed the driver’s test.

I didn’t go through driver’s training. My parents taught me how to drive, at first, my dad and then my mom. I didn’t train very much, however, and I never perfected parallel parking. I should have practiced more because I failed my first test due to running over the curb with the car. My driver’s test was over almost as soon as it started.

Then came my second driver’s test, the one where I barely failed, just by a few point, but still failed all the same. It took me three times to pass my driver’s test, and I didn’t get a great score the third time either. It wasn’t horrible because I passed, but I didn’t drive perfectly. I drive better these days, and some driving tests can be really difficult anyway.

Where I lived in Tennessee later, the driver’s tests were easy. But in Kentucky, and I know they are in Texas too, the driver’s tests are rather difficult. Young drivers better know their stuff if they want a license. When I had taken the written test, I had passed it quite easily. I didn’t study for that one, though, and you’re supposed to study. I’m surprised that I passed.

Learning to drive is really easy because you watch others do it all the time. You get the feel when it comes to being behind the wheel of other things, whether it be a golf cart, bike, four wheelers or something else. You learn quite easily, it’s just passing the driving test and knowing everything you need to know to stay safe on the road.

Car maintenance and car safety are key, and you need to be a responsible driver when out there among everyone else. The way you drive impacts other people’s lives and cars are dangerous weapons when used improperly. That’s why it’s important for young drivers to take a defensive driving class as well.

Young drivers should take advantage of every resource available to them as they learn how to drive. That ensures that they not only receive the proper driver’s education, but they get the experience needed to be a driver out there on a regular basis. I can tell you that it looks like the youth of today get more driver’s training.

Many of them have it both at school and opt for private driver’s training courses. It helps to get things done this way if affordable because the teenagers get a fair shake when it comes to training and instruction. Maybe they won’t fail the parallel parking portion of the test like I did. And, maybe they won’t get as many tickets as I have over the years either if they are more respectful of the driving laws. I am now respectful, but when I was younger, I would speed quite often.

Learn A New Skill

A major element of your struggle to achieve your professional objectives demands that you learn new information, new techniques and new skills. The new ideas give you the knowledge you can then combine with others and implement them in your overall growth. Unfortunately, the process of learning a new skill is not easy. It features a lot of challenges, which is why you need tips for learning new skills faster.

1. Set a Specific Goal

First and foremost, you should identify the new skill you would like to learn, together with its benefits. Knowing its benefits will help you set a specific goal you’d like to achieve from the entire study. The goal you set should, however, be precise and not vague. Setting a goal that is precise will help you identify and prepare to deal with factors that are liable to make you feel like giving up on the quest to learn the new idea. You should also consider breaking the main goal into minor ones so that you can set a more probable period for achieving the objectives.

2. Test Your Abilities throughout the Learning Period

This is a very important tip. During school days, most learners mistake tests for end – games. It is, however, practical to test oneself throughout an entire study process. The tests can give you a patent overview of what you have gained from the study. You, therefore, need to experiment your abilities frequently. The most effective way to test one’s abilities is by creating a test immediately you finish a chapter, study section or chunk of information. Such tests have two benefits when you are learning a new skill: they make it possible for one to understand vital topics & themes of the study and give him/her the opportunity to review his/her notes.

3. Prepare Best Notes for Whichever Section That Works Best For You

Some people understand things better when they note down, at least, a paragraph during a study session. There are even some study sections that demand one to take hand – written notes rather than ones written by computerized machines for a better understanding. However, computerized machines are more effective in preparing notes, given that they have the abilities to text search audio, video, images and handwriting transcription. They are also advantageous for Microsoft and Office users, systems which integrate documents well. Most importantly, learners should prepare clear notes for sections they are best in. They are vital for future reference and clarification.

4. Don’t Cram a Lot of Information At Once

The urge to lock oneself in a room so that you can cram a bunch of information at once is counterproductive and should, therefore, be avoided. You probably have heard it at some point before that your brain is like a sponge and needs tender care. It is true. If you try to overload it with information, the excess will run off. The brain needs time to make connections, process new details, then record or act upon them aptly. Therefore, learners need a timetable to help them manage their time more wisely and effectively. Effective time management is a guarantee for quick learning.

5. Move around

Many people think that a study is more successful if it is strictly done from a single location like class, library or home office. This is not a bad idea, but learners need to move around if the session is too long. The brain works in connection with the environment. So, studying from a single location for a very long period may often switch off your minds. You should try other cool places like near the beach or in a quiet park. Changing the study location regularly saves you from monotony and boredom. It also makes the session interesting and extra productive.

6. Work Beyond Memorization

You should not just take in ideas the way your tutor explains. Work beyond memorization & taking of notes by asking questions about what you are taught. Find out the reasons why what you are told happens to be the way it is. This will make it easier for you to understand what you are taught during the study. It additionally saves you from the hitch of being told the wrong information.

With the six tips discussed in this post, you are set to learn new skills easily and faster. Just implement the tips in any quest for learning a new skill and you’ll see how good the results will be.