Chapter 6: Selected Insurance Laws
Graduated Licensing Law |
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Ohio's full graduated licensing law went into effect January 1, 1999.
Graduated licensing allows young drivers to improve their skills and driving
habits, and restricts nighttime driving, when most teen driver accidents
occur.
As of November, 1999, 24 states have three-stage graduated licensing
systems in place, which provides licensing progression in stages. These
states are California, Colorado, Delaware, Florida, Georgia, Illinois,
Indiana, Iowa, Louisiana, Maryland, Massachusetts, Michigan, Missouri,
New Hampshire, New Jersey, New Mexico, North Carolina, Oregon, Pennsylvania,
Rhode Island, South Carolina, South Dakota, Wisconsin and Ohio. Other
states have passed graduated licensing laws that include some elements
of the three-stage system.
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| What is graduated
licensing? |
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The three graduated licensing stages, as defined by the National Highway
Traffic Safety Administration (NHTSA), are:
- Stage 1: Learner's permit. Components of this stage include
requiring teen drivers to pass vision and knowledge tests; driving with
a licensed adult age 21 or older and requiring that all occupants wear
seat belts. Other requirements include a blood alcohol concentration
(BAC) level set at zero or near-zero tolerance, that the young driver
remain traffic-offense and alcohol-offense free in order to move up
to the next stage and that the permit's appearance is distinctive from
other drivers licenses. In an optimal system, the minimum age for a
learner's permit is 16 and requires holding a permit for at least six
months.
- Stage 2: Intermediate or probationary license. Drivers complete
Stage 1 and pass a road test. It requires that all occupants wear seat
belts, that state laws address a BAC level at zero or near-zero tolerance,
that a licensed adult be required to accompany the teen driver during
late night hours, and that the driver remain traffic-offense and alcohol-offense
free for 12 months in order to obtain a full license. Optimal Stage
2 provisions include nighttime driving restrictions starting at 9 or
10 p.m., a teenage passenger restriction and that full licensure not
be available until at least age 18.
- Stage 3: Full-privilege license. Available at age 18, upon
completion of the probationary licensing stage.
Graduated licensing systems are not a panacea, but they can reduce the
motor vehicle injury problem for young people. In states that have elements
of graduated licensing, the benefits are becoming evident.
On July 1, 1996, Florida instituted a graduated licensing program for
drivers younger than age 18. Florida crash data for 1995-97 were obtained
and compared with similar data from Alabama, which borders Florida but
does not have graduated licensing. For 15-, 16- and 17-year-olds combined,
there was a 9% reduction in the fatal and injury crash involvement rate
in Florida during 1997, the first full year of graduated licensing, compared
with 1995. On a percentage basis, crashes declined most among 15 year-olds,
followed by 16 year-olds and then 17 year-olds. Reductions were not seen
among Alabama teenagers nor among 18-year-olds in Florida.
According to the Insurance Institute for Highway Safety, 41% of 1998
teenage motor vehicle deaths occurred between 9 p.m. and 6 a.m. Studies
of night driving curfews indicate that crash reductions of 60% or more
can be achieved during restricted driving hours. Ohio's law includes nighttime
driving restrictions.
Low BAC thresholds for young drivers also reduce the problem. In Ohio,
an underage driver who has a BAC level of .02% or more faces penalties
under a charge called Operating a Motor Vehicle After Underage Alcohol
Consumption or OMVUAC.
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| Ohio's graduated licensing
law |
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Am. Sub. SB 35, Ohio's graduated licensing law bill, was signed into
law on December 1, 1997.
When the law was fully enacted on January 1, 1999, Ohio became one of
30 states with a three-stage program consisting of a temporary permit,
probationary (intermediate) license and a full-privilege license.
The chart below outlines Ohio's graduated licensing
law.
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As of December, 1999, 35 states have adopted at least
one of the elements of a graduated licensing system.
(Insurance Institute for Highway Safety) |
| Ohio's
Graduated Licensing Law Provisions |
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Age and other restrictions for temporary permit holders:
- A temporary permit can be obtained at age 15 1/2. The permit is valid
for one year, and must be held for at least six months prior to becoming
eligible for a probationary (also called an intermediate) license.
- Temporary permit holders must carry their temporary permit and an
identification card with them while operating a vehicle.
- Temporary permit holders under age 16 must be accompanied by an "eligible
adult," which is defined as a parent, guardian, legal custodian,
licensed driving instructor or a licensed driver age 21 or older acting
in loco parentis. The eligible adult must have a valid drivers license
and occupy the front passenger seat.
- Temporary permit holders age 16 or older must be accompanied by a
licensed driver age 21 or older while driving. The adult must occupy
the front passenger seat.
- All vehicle occupants under the age of 16 must wear safety belts when
being driven by a temporary permit holder.
- The number of vehicle occupants is limited to the total number of
originally installed safety belts.
Drivers training certification:
- Holders of temporary permits are required to verify completion of
50 hours of driving with a parent or guardian, including 10 hours of
nighttime driving. This is in addition to the driver education requirement
that both public and private driver education courses consist of a minimum
of 24 hours of classroom instruction and 8 hours behind the wheel. This
must be completed by all temporary permit holders under age 18 prior
to obtaining their probationary license. A probationary drivers license
is defined as a license issued to anyone under age 18.
Probationary drivers license eligibility:
- In order to be eligible for a probationary license, a temporary permit
holder must complete the driver training certification requirements
noted above and have held a temporary permit for at least six months.
This means that a person must be at least 16 before being eligible for
the next licensure step, a probationary or intermediate drivers license.
- The temporary permit holder must also pass the Ohio Bureau of Motor
Vehicles' driving and maneuverability test prior to issuance of a probationary
license.
- A probationary license is held until the age of 18 when full driving
privileges without restrictions become available to those completing
the probationary licensing stage.
Curfew restrictions:
- Temporary permit holders under age 17 are prohibited from operating
a motor vehicle between 1 and 5 a.m. unless accompanied by an "eligible
adult," as defined under the third bullet in section one. This is a
secondary enforcement violation meaning that if a person is stopped
on another alleged traffic violation, this can also be enforced.
- Probationary drivers license holders under age 17 are prohibited from
operating a motor vehicle between 1 and 5 a.m. unless accompanied by
a parent or guardian, with the following exceptions: If the probationary
drivers license holder is driving to or from work, to or from a school
activity or in an emergency situation. This is also subject to secondary
enforcement.
Penalties for traffic violations and other offenses:
- During either the temporary or probationary licensing stages, there
is a 90-day license suspension for accruing two moving violations before
age 18, and a one-year suspension for three moving violations.
- Temporary permit and probationary license holders who are convicted
of certain traffic related violations before age 18 can also lose their
license for six months.
- A temporary permit can be canceled or revoked for six months if the
permit holder is convicted of any alcohol-related offense, including
alcohol consumption or purchase. If the offender is not yet 15 1/2,
the offender will not be eligible for a temporary permit until the age
of 16.
Full licensure eligibility:
- Successful completion of the probationary licensing requirements.
- Licensee meets the minimum age requirement, which is 18.
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Beginning drivers in Nova Scotia have been
subject to a graduated licensing system since 1994, one of the first programs
in North America. A recent program evaluation found that crashes involving
16-year-old drivers was down 24% and injuries were down 34% in the first
year. Crash rates for all novice drivers, regardless of age, also declined
19%. A three-year analysis of crash statistics from Nova Scotia showed a
37% reduction in the number of crashes involving drivers age 16, compared
to what would have been expected without a graduated licensing program in
place.
(Insurance Institute for Highway Safety, Status Report, 12/4/99) |