How Michigan’s Graduated License Program Has Empowered Teens with Responsible Driving Practices

It’s a very good thing that the National Highway Traffic Safety Administration (NHTSA) has declared October 15-21 National Teen Driver Safety Week. And while spooky season is upon us, lack of teen driver safety awareness could render this month truly frightening. That’s because (and we must be painfully honest) teen drivers are some of the most dangerous people behind the wheel. In fact, research by the Insurance Institute for Highway Safety (IIHS) notes that drivers between 16-17 years old are the most likely of all to be involved in fatal crashes per mile driven. What’s more, the U.S. Centers for Disease Control says that male drivers between 16-19 are three times more likely to die than female drivers in the same age band. That being the case, it was definitely a wise decision when Michigan legislators decided to institute a youth driving curfew for teens aged 16 and under back in 2011. Since then, teens have been prohibited from driving between 10 p.m. and 5 a.m. unless they were going to or from work or driving in the same vehicle as their parents or legal guardians, among other rules. In the dozen years since that law went into effect, it has certainly saved countless young lives and helped prevent even more unnecessary injuries.

Beyond the Curfew, Michigan Teens Face Other Driving Limitations

In 2011, Michigan also joined many other states in initiating a Graduated Driver’s License (GDL) for young drivers. As noted by the Secretary of State, the GDL system gradually adds privileges for teen drivers as they gain experience on the road over time. There are three licensure levels currently in place: Level 1 License: a supervised learner’s license issued to teen drivers at least 14 years 9 months old. Level 2 License: an intermediate license that limits passengers and the unsupervised nighttime driving for teen drivers at least 16 years old. Level 3 License: a full-privilege driver license issued to teen drivers at least 17 years old after they have successfully completed all the previous instructional and driving requirements.

Starting at Age 16, the Level 2 License Has the Most Complicated Restrictions

The Level 2 License requires a bit more explanation, since it’s where the teen driving curfew is most thoroughly defined and prohibits teen drivers from transporting more than one passenger outside of their immediate families. Here are the specific requirements and limitations, quoted directly from the Secretary of State’s website for clarity: “Teens with a level 2 license

1. Shall not operate a motor vehicle between 10 p.m. and 5 a.m. except when:

1. • driving to or from (work) or in the course of employment

1. • driving to or from an authorized activity (see below)

1. • accompanied by a parent or legal guardian or a licensed driver 21 years of age or older designated by the parent or legal guardian.

2. Shall not operate a motor vehicle at any time with more than 1 passenger in the vehicle who is younger than 21 years of age except:

1. • when the additional passengers are immediate family members

1. • when driving to or from (work), or in the course of employment

1. • while going to or from an authorized activity (see below)

1. • when accompanied by a parent or legal guardian or a licensed driver 21 years of age or older designated by the parent or legal guardian.

Authorized activity means any of the following:

1. A school or a school-sanctioned event or activity. School means a public or private school, including a home school.
2. A sporting event or activity, or extracurricular event or activity, that is not school-sanctioned but that is part of an official sports league or association or an official extracurricular club, or that is paid for as a service offered by a business specializing in those events or activities or training for those events or activities.
3. A class or program of vocational instruction offered by a college, community college, nonprofit association, or unit of government or by a business specializing in vocational training.
4. An event or activity sponsored by a religious organization that is tax-exempt under federal law.
5. Transporting an individual in need of immediate emergency care or personal protection to a health care professional, hospital, police station, domestic violence shelter, or public safety location.”

In fact, the rules and responsibilities that come with the GDL are so extensive that the Secretary of State’s office has published a 30-page Guide for Parents explaining all the ins and outs of teen licensure, which we strongly suggest you should go over with your household’s young drivers to be sure they’re fully aware of the rules of the road. And what happens if your child decides to break these licensing rules? Again, quoting the Secretary of State, “a violation of the Level 2 restrictions under the Graduated Driver Licensing program is a civil infraction and will result in two points on the teen’s license. A notice of the civil infraction will be sent to designated parent or legal guardian. In addition, the period the teen must have a Level 2 license will be extended for 12 months. The teen will be required to appear for a driver reexamination with possible license suspension and/or additional restrictions imposed.” And remember – as a parent or legal guardian, you can be legally considered responsible for the actions of your children until they reach the age of majority (18 years old in Michigan and most other states). The Michigan Court of Appeals has affirmed this by stating “Parents may be held liable for failing to exercise the control necessary to prevent their children from intentionally harming others if they know or have reason to know of the necessity and opportunity for doing so.” So, it would seem then that parents who permit their teen drivers to break curfew or to transport multiple friends in the car have more than just their kids’ safety to worry about! Which means you are well advised to take efforts to let your teen drivers know that their actions can legally impact you and the rest of your family as well.

Finally, Let’s Talk About Teen Car Insurance

Teen drivers are also required to be covered under Michigan’s No-Fault Insurance law. And while the state prohibits insurance companies from using gender, credit scores, educational level, zip code, and several other factors when setting premium rates, the age of the driver can be used in determining car insurance costs. This means that adding a teen driver to your insurance coverage will not be cheap. Still, some companies offer “good student” discounts and other ways to help families afford their insurance policies. Be sure to ask your agent about any cost-saving opportunities that might be available. Along those same lines, the Michigan Department of Insurance and Financial Services has also published “What Every Teen Driver Must Know” about auto insurance, which provides additional suggestions on saving money (such as designating teens as “secondary” drivers on household vehicles), and can help young drivers better understand all the requirements and regulations they’ll face when obtaining state-mandated insurance coverage.

If Your Teen Gets in an Accident, We’re Here to Help

Here at Mike Morse Law Firm, many of us are parents and are intimately familiar with the dynamics at play when a teen hits the road for the first time. We’re also all too familiar with what happens when teen drivers and their passengers get injured through the negligence or bad behavior of other drivers. If your child, or anyone you care about, gets injured in a car accident that’s not their fault, we’ll be here for you. Just pick up the phone and call us anytime day or night at 855-MIKE-WINS (855-645-3946).