Fewer Teens Want A Drivers License Now at an All Time Low….


I can attest to this! When my boys were just about that age of getting ready to go through the process of driving school they were all involved with sports and of course a heavy work loads at school. They were really in no rush and we really did not mind taking the trip to wherever that season sport took us.

Washington — At 16, Henry Stock doesn’t see many reasons to get a driver’s license.

He can walk to stores near his home in Hollywood, Fla. Many of his friends are fellow gamers he can talk to online. And he can use a mobile ride-sharing app to get a ride when he needs one.

So while Stock has a learner’s permit, he hasn’t yet made much of a dent in the 50 hours of supervised driving he needs to get a full license in Florida.

“It’s more time and effort than I want to put into something that won’t benefit me a lot right now,” Stock said.

Other teens see things the same way. The share of high school seniors across the country who have a driver’s license dropped from 85.3 percent in 1996 to a record low 71.5 percent in 2015, according to data from the University of Michigan’s Monitoring the Future survey.

The drop has been sharpest in the South, where the share of high school seniors with a driver’s license fell from 88.6 percent in 1996 to 71.2 percent in 2015. High school seniors are most likely to have a license in the Midwest — 80.4 percent — and least likely to have one in the Northeast — 64.8 percent.

Part of the reason is economic: fewer jobs, especially during the Great Recession, which meant teens didn’t need to get to work and had less money to bankroll their rides. But even as the economy improved, the share of high school seniors with a license has generally been on the decline. That’s partly a result of tough new rules imposed on young drivers and an explosion in ride-hailing and ride-sharing services.

The shift appears to be having a direct impact on safety.
Drivers aged 16 to 19 are among the most dangerous on the road. They are three times more likely than older drivers to be in a fatal crash. But even as that teenage population has increased from 14.9 million in 1996 to 16.9 million in 2015, the number of drivers in that age group involved in fatal crashes fell by more than half, from 6,021 to 2,898, according to the Insurance Institute for Highway Safety, an industry-funded nonprofit.

Matt Moore, a vice president at the Highway Loss Data Institute, a group affiliated with the insurance institute that analyzes insurance statistics, said so-called graduated licenses such as Florida’s, which require set periods of training and restrict driving privileges at certain ages, have been most responsible for the long-term reduction in the share of teen drivers. “From a safety perspective, that’s a good thing,” Moore said.

But there are signs that the level of fatal accidents involving teens may not stay so low.

The number of 16- to 19-year-old drivers involved in fatal accidents crept up in 2014, from 2,584 to 2,622, and again in 2015, to 2,898, according to statistics compiled by the insurance institute — the first increase since 2002. And the Governors Highway Safety Association noted a 10 percent rise from 2014 to 2015 in the number of 15- to 20-year-old drivers who died in crashes, the first increase for that age group since 2006.

What could be behind the rise? Some traffic safety analysts say licensed teens are driving more as the economy improves and they get jobs.

And, they say, more are getting licenses after they turn 18, when most states no longer require training for new drivers.

Robert Foss, director of the Center for the Study of Young Drivers at the University of North Carolina, said his state saw a sharp drop in the number of fully licensed 16- and 17-year-old drivers after graduated licensing took effect in 1997.

But when the licensing rate for teenagers continued to drop, Foss said, it was “really almost exclusively about the economy. That had a big effect on teens and their ability to drive and their need to drive.”

A 2012 survey from the AAA Foundation for Traffic Safety found that the most common reason for teens to delay getting a license was not having a car.

More than a third cited gasoline and other costs, and many, like Stock, also mentioned the ability to get around without driving.

The recession and its aftermath deprived teens of work opportunities as many older workers were laid off and started to compete for lower-level jobs. The unemployment rate for 16- to 19-year-olds was near 25 percent from 2009 to 2013.

“That means 1 in 4 teenagers who wanted a job couldn’t find one,” said Moore of the data institute. “The reality is if you graduated high school at the worst of the recession, you were having a hard time supporting yourself as a teen driver.”

High teen unemployment coincided with some of the biggest drops in license rates for high school seniors, from 82.1 percent in 2005 to 72.1 percent in 2011, Monitoring the Future data show.

After a few states experimented with tougher graduated licensing requirements in the early 1990s, by 2006 every state had adopted some form of requirement or restriction. The requirements and restrictions vary. But most states limit driving activity seen as high risk, such as driving at night or driving unsupervised with teen passengers.

The insurance institute set up a calculator to estimate how many fatalities could be prevented by applying some states’ strict driving policies in other states. For instance, if Florida increased its minimum licensing age from 16 to 17 as New Jersey has, the number of fatal crashes would drop by 13 percent and collision claims would drop by 5 percent, according to the calculator.

Some teens are putting off getting licenses until they’re old enough to avoid the graduated licensing process.

Andrew Bennett, a regional coordinator for Nevada’s Zero Teen Fatalities program, knows firsthand how hard it was to get through the state’s graduated licensing program. He waited until he was 18, five years ago, to avoid having to document the time spent driving while his parents supervised him.

“I was heavily involved in sports and band, and it was quite a bit of hassle just to lock down my parents’ time for 50 hours,” Bennett said.

He now volunteers with a high school band in Henderson and sees many students arriving with parents, by bicycle or on public transportation — even though they’re old enough to get a driver’s license. “Some consider it a hassle,” Bennett said. “For others it’s that they can’t afford insurance, so they just wait until they go to college or get a job.”

That teens can wait out the graduated licensing provisions, which generally expire at 18, is a potential safety problem that could undo some of the reductions in fatalities achieved so far, said Ruth Shults, an epidemiologist at the U.S. Centers for Disease Control and Prevention who specializes in preventing motor vehicle crashes.

Once teens or young adults leave the nest, they’ve usually lost the easy ability to get help from parents or older siblings who can introduce them to the rules of the road gradually, she said.

In New Jersey, the law requires new drivers as old as 20 to complete a period of supervised driving. The age requirement was based on a 2008 study that showed that giving older new drivers more experience on the road could help lower crash rates.

That’s one reason the governors’ association recommended last year that states extend graduated licensing requirements to age 21, and require driver education and training for all new drivers regardless of age.

“If you don’t learn to drive when you live at home, your chances of benefiting from the experience of a really expert driver has probably really diminished,” Shults said.

Thank you PnC weekly for this story….

For me on the other hand could not wait to get my license !!!

However if you do have a teen driver be sure to check with us on how to add them to your auto policy!


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Seat Belts Do Save Lives !


With the holidays fast approaching drivers will out on the roads more than ever. The cost of fuel is down and with that more travel is definitely on the horizon.

Give this a thought as you sit around the table with family and friends. Slow down take your time better to arrive a little late than have an accident. This is from the NHTSA…

Seat belt use in U.S. reaches historic 90 percent

NHTSA 31-16
Monday, November 21, 2016
Contact: 202-366-9550,
Lives saved estimated at nearly 345,000 since 1975

WASHINGTON – Seat belt use in the United States has reached its highest level since the Federal government began regular national surveys in 1994, according to a study released by the U.S. Department of Transportation’s National Highway Traffic Safety Administration (NHTSA).

“The best way folks can protect themselves in their cars is by wearing a seat belt,” said U.S. Transportation Secretary Anthony Foxx. “Whether you’re a driver or passenger, in the front seat or back, the simple act of wearing a seat belt significantly reduces the risk of fatality and major injury in a crash.”

The new data – drawn from a large-scale observational study conducted by NHTSA in June 2016, shows daytime belt use (drivers and right-front passengers of passenger vehicles from 7 a.m. to 6 p.m.) reached 90.1 percent, a statistically significant increase from 88.5 percent in 2015. The study, known as the National Occupant Protection Use Survey (NOPUS), is the only survey that provides nationwide probability-based observed data on seat belt use in the United States. The NOPUS also provides data on other types of restraints, such as child restraints and motorcycle helmets, and driver electronic device use.

“Vehicles have many more safety features today than ever before, but there is nothing more important than the simple seat belt,” said NHTSA Administrator Mark Rosekind. “We are encouraged by this progress, but with so many people still dying in crashes because they are not wearing their seat belts, we will not rest until we reach 100 percent.”

Seat belts saved nearly 14,000 lives during 2015 alone and an estimated 345,000 lives since 1975. The nation’s chief auto safety agency credits State legislators for enacting strong laws and our nation’s police officers for strong enforcement of those laws, especially during the annual national Click It or Ticket campaign. Also important was the agency’s decades-long focus on the issue, including the renowned “Vince and Larry” crash test dummy public service campaign of the 80s and 90s. This progress is the result of persistent effort by a wide range of safety partners, including the U.S. Congress which provided resources including incentive grants and support for enforcement, state highway safety officials who mobilized and organized state enforcement and education campaigns, and many others including public health organizations which raised awareness and the auto and insurance industries which supported seat belt advocacy efforts.

Of note in the latest survey is that seat belt use is higher in the West than in the other regions of the U.S., and seat belt use continued to be higher in the States with primary belt use laws. Thirty-four states, the District of Columbia, American Samoa, Guam, the Northern Mariana Islands, Puerto Rico, and the Virgin Islands have primary seat belt laws for front seat occupants, while 15 states have secondary laws. In many of these states, the law is primary for younger drivers and/or passengers.

Other significant increases in the last year are among drivers and passengers of vans and SUVs, and those in rural areas.

Seat Belt Use in 2016 – Overall Results report

Stay connected with NHTSA: Search for open recalls with VIN look up | Download the Safercar Mobile App for Apple or Android devices | Receive recall alerts by email | Visit us on | Follow us on | Watch 5-Star Safety Ratings crash tests on |

From all of us here at Allan M. Walker

Have a safe and happy Thanksgiving everyone!

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The Builders Bundle Artisan Contractors Program


Imagine Trucks and Tools Together!

This revolutionary artisan Contractor’s policy was developed by the Arbella Contractor’s Team and is only available to Arbella subscribers. For this reason your Allan M Walker Account Manager can help you immediately on this offer.

Now contractor’s who have the confidence to operate independently or as a subcontractor have an insurance solution that makes it easy.

Why? Because It Costs You Less!

Work In Any of these Trades or industries:

  • Carpentry
  • Painting
  • Plumbing
  • Drywall
  • Metal or acoustic tile ceiling-installation or repair
  • Landscaping
  • Heating or AC/HVAC
  • Electrical work
  • Paper Hanging
  • Tile, Stone Or Marble Work
  • Janitorial Services

Plus many more industries and trades are available for this exclusive program Call TODAY 508-824-5875

Discover how the Bundle can Save you money.

Increase your profit by Bundling your Protection. Beyond the basic property and general liability coverage for on-site work and completed operations the Arbella Artisan contractor’s Policy adds protection where you may never had it before.

  • Coverage for your unscheduled tools
  • Valuable papers and records
  • Property in transit
  • Commercial Auto
  • *100 dollar credit* Hurry see if you qualify ask our account manager if you do!

3 More Reasons To Choose Us For Your Contractors Insurance Program

  1. We understand how to provide a comprehensive artisan contractor’s insurance program
  2. We understand what it means to be flexible within our Artisan Contractor’s Insurance Program
  3. We want to increase your profits and $ave you money by Bundling your Commercial Auto with your Contractor’s policy

This Builders Bundle is a policy that exceeds industry standards The Bundle goes beyond just the basics with protection. However, remember avoiding accidents is not promised to you or anyone else. So, don’t delay. Call or e-mail us Today!

Be protected, We Bundle, You Build, Have Confidence……..
Just Neighbors Helping Neighbors
Since 1847
Protection Is Our Business ~ Service Our Product

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There are three ways auto insurance companies pay out claims. Standard on most policies is actual cash value, which pays out claims based on depreciated, used-car values. Some companies offer stated value for classics, which allows clients to set their own values. The only problem is that insurers are allowed to pay the lesser of the stated value or the actual cash value. Because classics usually maintain or appreciate their values, neither of these options are ideal.

With Guaranteed Value™ (AKA agreed value) coverage, the insurance company and the client agree on a value for the classic. If there’s a covered total loss, clients receive that full value, less any deductible and/or salvage value, if the vehicle is retained. No depreciation. No messing around. No hassle.  Call Mellissa TODAY ! 508-824-5875
Guaranteed Value from Hagerty

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FLOOD! What happened it was “Just” a little rain!


Flood Insurance

Every time we have a serious rain storm I see rivers of water cascading down driveways, streets, through backyards and flowing off of roofs. The thought I have is that pretty much every homeowner’s and business polices excludes flooding water and floods.

No Coverage For a Flood………

Every year unfortunately, business owner’s and homeowner’s alike find out that flood coverage is NOT a covered loss, unless it has been added by endorsement or bought as a separate insurance policy.

It is a misconception that floods only happen near oceans, rivers, coastal areas and streams. Any area can flood over a period of time; it is the amount of water that produces the flood where it has never been before. The quick build up and rapid accumulation of water is what causes devastating damage that takes everyone by surprise.

Until it happens there are many people who think “I am not located near any big body of water or stream and we never had a flood before,” so it is a kind of out of sight out of mind kind of thing. However, floods do happen and they happen across the country where there is hardly any water at all!

That last wicked rain storm where the wind was howling and rain was going every which way had a potential to cause a flood. Flood insurance can be purchased and added to your insurance program, all you need to do is give us a call at 508-824-5875. Ask one of our account managers to help you and answer any questions you may have.

So please don’t delay be prepared for life’s misfortunes because we don’t know what is coming next.

E-mail me for more information or call one of our team members toll free 1-877-824-6670 or 508-824-5857.

Just Neighbors Helping Neighbors Since 1847.

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Replacement Cost Coverage for your Homeowner’s Contents


Actual Cash Value Vs. Replacement Cost Coverage

Your homeowner’s policy provides protection for your dwelling which is also known as your structure. The Other major coverage or protection that your homeowner’s policy provides is your contents coverage. This is all of your personal belongings, furnishings and other things inside your home.

Should you have a claim the insurance company will gauge your covered loss in one or two ways, either by Actual Cash Value {ACV} or Replacement Cost.

The Difference:
An actual cash value claim does take and will calculate a deduction for deprecation. A Replacement Cost Contents endorsement on your homeowner’s coverage will not take depreciation. So the cost to replace that new sofa, table, television, furniture or other items damaged by a covered loss, will be fully replaced up to your policy limit. It does not matter if it was bought yesterday or a few years ago. You will be able to replace your covered items with a new same like kind and quality item.

While there is a small expense to add Replacement Cost Coverage to your contents, the additional protection could and will be be important at the time of a loss. Remember the only difference between actual cash value and replacement cost will be the deduction for deprecation. Both are based on what it would cost to replace the damage item or items at today’s cost or value.

Please give your Allan M. Walker account manager a call for more information and what the actual cost would be to add Replacement Cost Contents to your homeowner’s policy today.

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Risky Behavior While Driving!!


Well that got your attention!

However the kind of behavior I am talking about results in crashes…
About 87 percent of drivers engaged in at least one risky behavior while behind the wheel during a 30-day span, according to research conducted by the AAA Foundation for Traffic Safety last year. These unsafe behaviors included driving while distracted, impaired or drowsy, speeding, running red lights or not wearing a seat belt.

These disturbing results come as nearly 33,000 Americans died in car crashes in 2014, with a 9 percent increase in deaths for 2015. The research found that 1 in 3 drivers has had a friend or relative seriously injured or killed in a crash. Here are some of the common unsafe behaviors: Distracted driving More than 2 in 3 drivers (70 percent) reported talking on a cellphone while driving within 30 days.

Nearly 1 in 3 drivers (31 percent) reported doing this fairly often or regularly. More than 2 in 5 drivers (42 percent) admitted to reading a text message or email while driving, while 12 percent report doing this fairly often or regularly. Nearly 1 in 3 drivers (32 percent) admitted to typing or sending a text or email, while 8 percent said they do so fairly often or regularly.

Speeding, Nearly half of all drivers (48 percent) reported going 15 mph over the speed limit on a highway in the past month, while 15 percent admitted doing so fairly often or regularly. Previous research by NHTSA estimates that speed plays a factor in nearly 10,000 deaths per year.

Drowsy driving, Nearly 1 in 3 drivers (32 percent) said they had driven when they were so tired they had a hard time keeping their eyes open. Previous research by the AAA Foundation estimated that drowsy driving is a factor in 328,000 crashes annually.

Running red lights, More than 1 in 3 drivers (39 percent) admitted to having driven through a light that had just turned red when they could have stopped safely. About 1 in 4 drivers (26 percent) reported doing this more than once during that time.

Seat belt use, Nearly 1 in 5 drivers (18 percent) reported driving without a seat belt, and more than 1 in 7 (15 percent) admitted to doing this more than once. Previous research by NHTSA estimated that nearly half of all vehicle occupants who died in a crash in 2013 were unrestrained at the time of the crash.

Impaired driving More than 1 in 8 motorists (13 percent) reported driving when their alcohol level was near or over the legal limit within the past 12 months. About 9 percent of drivers reported doing this more than once in the past year. The survey results are part of the AAA Foundation’s annual Traffic Safety Culture Index, which identifies attitudes and behaviors related to driver safety. The survey data is from a sample of 2,442 licensed drivers ages 16 and older who reported driving in the past 30 days. Article from AAA Horizons– May 2016

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Hey I Just Got Car my Insurance in 15 minutes or less!! Isn’t That Great!!!! Well is it?…..


We all see the commercials on TV or hear them on the radio. Pick your own coverage’s, name your price, it’s easy. Well is it really? Did you see the fine print? Some even say savings not in available in Mass.

What is really important is that you are protected the way you should be. Can that be done in 15 minutes or less? I am not entirely sure it can be.

When you bought your car I would bet you spent way more than 15 minutes researching what model would be best. What options it had, the safety features, the gas mileage and what color you would look best in!

Is that policy a six month policy? Or is a full year auto insurance policy like the ones Allan M. Walker provides? No surprises from us six months down the road. We are committed to delivering a WOW experience and taking the time to really hear what you are saying.

Protection and security is what is important when you purchase auto insurance. There is a lot riding on your decisions when you do buy insurance. What you really are buying is protection. For you, your family, your new car and for anyone else who rides along with you in your vehicle.

Do you really feel comfortable making that decision in 15 minutes or less? Are you really protected? Do you have the right coverage?

Allan M. Walker is an Independent Agency located with real local people who know the area. We can offer you more than just one company, the beauty of an independent agency is that we have several companies to choose from, and find the right fit just for you.

Yes, yes, yes we also do have all those discounts you see and hear about. See how they all can reduce your premium and how they actually work by talking with us.

Accident forgiveness
Auto Loan/Lease Gap Endorsements
Disappearing Deductibles,,,Nice !
Students Discounts
Loyalty Discounts
Go Green and Save Discounts by Signing Up To Be An e-Customer
Hybrid Vehicle Discount
Multi-Policy Discounts
Home and Auto Discounts
We Even Have Pet Coverage!
And More…..

Can you see why it is to your advantage to talk with a Allan M. Walker Insurance professional?

As we always say “Avoiding accidents is not promised to you or anyone else”. So, don’t delay. Be prepared for life’s misfortunes call or e-mail one of our personal or commercial account managers today.

Have a conversation that important conversation on how we can protect you. It just may take more than 15 minutes, however it just may be one of the best investments of time that you can make.

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Spring Has Sprung, But It Is Still Snowing!


Even though this winter was nothing like last years (and thankfully so!), a couple of warm days and the anticipation begins!

The Spring Clean UP!

This past winter also brought to us lots of wind. The kind that weakens tree limbs, dropped several branches and as a result added to that ever to do list of spring clean up.

Since we won’t be waiting to just about summer for this years snow melt we all can get a jump on our clean up. With the goal in mind if we start now we will have more time to do whatever it is we enjoy this summer!

As you take a look around your property, note the things you can do yourself. If something is beyond your expertise, don’t be afraid to call in a professional! There’s no need to speed summer trying to heal up from an injury. If your planning a home improvement project like a deck, an addition or an interior project give us a call or email so we can check your homeowner’s.

Some extremely important items to check are your smoke and carbon monoxide detectors. Be sure they have fresh batteries and test them by pressing the test buttons. Replace any that do not work properly.

Since we did not get much snow this year this does not mean we will not have rain. This is an opportune time to check your sump pump. Over the winter. or any length of time, check your pump pit where the water collects to be sure it is moving correctly. If it is moving slow it may be blocked or may have some debris preventing it from working as it should. Make sure the pump is cleaned often to keep that water moving.

Take a walk around your yard and visually inspect your roof. If you see that over the winter some shingles are missing or came lose, call a roofing pro to help prevent any possible damage.

We all want that HGTV yard or that nice green lush grass like we see on TV at Fenway Park! If you have plans to do lawn repairs like me, I was talking with a person at a home improvement store and they suggested late spring as the time to get out there and do it! A little repair work before the heat of the summer kicks in will give the new grass an opportunity to take hold for the season.

Well quite frankly we all know what we need to do! So gather up the family, the neighbors, your brothers or sisters that owe you one and try to get at least a few of the projects done! Enjoy your spring and you know around here that could mean just one day!

Have a great spring and a better summer!

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Well, It Finally Happened – Google Had An Accident!


Well, possibly not quite an accident that you were thinking! You see their self driving car was in an accident. After logging over a million miles this car hit a BUS! To Google’s credit and after being in 17 other accidents this was the first time that they were found at fault.

So, What Happened?

This particular car was testing on the streets of Mountain View, California, when it struck a bus going not more than two miles per hour. According to the report this incident was the result of road conditions that were compromised by the placement of sand bags within the lane and the result of this caused the car to go into the left lane.

As the municipal bus was approaching in that lane traveling at 15 miles per hour. The Google car anticipated that the bus would slow down, while the bus driver thought that when the Google car saw the bus it would retreat back into the other lane.

Well, the case for a human driver can still be made as Google was found at fault for this accident. There were no injuries thankfully and the only real damage was to the front left of the Google Lexus SUV front fender and some of its sensors as the computer driven car drove on.

In all of its previous accidents, the majority were the result of human drivers rear-ending the Google cars. I like to tell my teen drivers at home to leave at least 4 car lengths between the two of you! Anyway, the greater part of Google’s accidents have been at intersections where the driver behind them thought that the Google car would drive on through the intersection but did not and rear-ended them.

Google did acknowledge that their computer driven vehicle did make the wrong decision. It also hints at the guess work or decision making process that does go on between the human drivers. Google’s tests are always conducted with the legally mandated safety drivers. Sometimes they do take over control of the test vehicle however this not the case in this accident.

Even still, I think this is something that is coming down the road how soon time is yet to tell. It will be interesting to see what happens within the auto insurance industry. According to a 2015 article by Forbes, the need for liability, regulation, underwriting and repair costs will all still be a factor. The article about the Google Lexus was from USA Today on March 1,2016.

So to quote one of the famous Doors songs Roadhouse Blues, “Keep your eyes on the road and your hands upon the wheel”!

Take care all, and safe driving!

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