Handing your teenager their first set of car keys is more than a milestone—it's the beginning of a new level of independence and responsibility. While learning the rules of the road is important, preparing teens for safe driving goes beyond passing a test. From understanding the consequences of distracted driving to carrying the right insurance coverage, parents play a critical role in helping young drivers build habits that can last a lifetime.

Loaning your car to a friend seems simple—until they crash it. In Georgia, insurance usually follows the vehicle, but coverage depends on permission, exclusions, and your policy rules. Here’s what really happens when someone else wrecks your car and how it affects your protection.