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The Florida Family's New Driver Checklist
Before they take the wheel, check what protects them and make sure they are ready for the road.
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1Insurance Policy Review
Confirm the new driver is properly listed on the auto policy.
Confirm which household vehicles the new driver is permitted to operate.
Review the policy declarations page, do not rely only on the phrase "full coverage."
Ask about bodily injury liability limits and property damage liability limits.
Ask whether the policy includes uninsured/underinsured motorist coverage and whether it is stacked or non-stacked.
Ask whether each vehicle has collision and comprehensive coverage.
Review every deductible, exclusion and coverage limit.
Ask about rental reimbursement, towing and roadside assistance.
Ask how the policy responds if your teen drives a friend's vehicle or a friend drives yours.
Ask whether delivery, rideshare or other vehicle uses are excluded.
Ask about good-student, driver-training or driver-monitoring discounts.
Important: A household driver who is not disclosed may create coverage problems. Confirm all regular drivers and permitted uses with the insurer.
2Vehicle Readiness
Confirm the registration, insurance card and license are current.
Check tire pressure, tread and spare-tire equipment.
Test headlights, brake lights, turn signals and hazard lights.
Check brakes, windshield wipers and washer fluid.
Adjust the seat, mirrors and head restraint before driving.
Know the location of the fuel door, hood release and hazard-light button.
Practice parking, reversing, merging and navigating school traffic.
Save roadside-assistance information in the phone and glove box.
3Family Driving Rules
No phone use while the vehicle is moving, enable Do Not Disturb While Driving.
Every passenger buckles up before the vehicle moves.
Set clear rules for passengers, nighttime driving and unfamiliar routes.
No speeding, racing, impaired driving or driving while overly tired.
If running late, arrive late, never try to make up time on the road.
Know when and how to call a parent or trusted adult without fear of punishment.
4If A Crash Happens
Stop and remain at the scene.
Call 911. Report injuries, hazards and the location as clearly as possible.
Move to a safer location when possible, appropriate and directed by law enforcement.
Check for injuries without attempting to diagnose anyone.
Exchange names, contact info, license details, vehicle and insurance information.
When safe, photograph vehicles, damage, roadway, traffic controls, plates and surroundings.
Collect names and contact information from witnesses.
Do not argue, assign blame, speculate about fault or sign an unfamiliar document.
Notify a parent or trusted adult and follow the insurer's reporting requirements.
Seek medical attention. Some injuries may not be immediately apparent.
Do not post photographs, commentary or crash details on social media.
Consider speaking with a qualified attorney if legal questions arise.
5Glove-Box Kit
Current insurance card and vehicle registration
Emergency-contact card
Written after-a-crash steps
Pen and small notepad
Phone charger or power bank
Flashlight and reflective safety item
Basic first-aid kit
Roadside-assistance information
6Emergency Contacts
Our Ready-for-the-Road Commitment
We have reviewed our driving rules, emergency plan and insurance questions together. We understand that safe driving requires attention, patience, sound judgment and honest communication.
New Driver Signature / Date
Parent or Guardian Signature / Date