Bensman Risk Management, Inc.

Insurable Interests

Bensman Risk Management, Inc.
2333 Waukegan Road Suite 275
Bannockburn, IL 60015
847-572-0800 Phone
847-572-0502 Fax

Insurable Interests may offer general financial, insurance, tax and business ideas. However, due to the ever-changing tax laws as well as the complexity of the financial industry, you should seek professional advice before implementing any of the ideas contained in this newsletter. The Bensman Group, Bensman Associates Ltd., Bensman Risk Management, Inc. or Schemata, L.L.C. assumes no liability whatsoever in connection with the use of this newsletter.

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Securities offered through Kestra Investment Services, LLC (Kestra IS), Member FINRA/SIPC. Investment Advisory Services offered through Kestra Advisory Services, LLC (Kestra AS). Kestra IS and Kestra AS are not affiliated with The Bensman Group, Bensman Associates Ltd., Bensman Risk Management, Inc. or Schemata, L.L.C.

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Insurable Interests

Vol. 3, Issue 4December 2007


New Rules for Young Drivers

I recently received a newsletter from my Illinois State Representative, Sandy Cole, that outlined the state’s new rules for young drivers. The Illinois General Assembly acted to increase the requirements for a young person getting their Illinois driver’s license in order for them to have more experience and be more careful once they start to drive on their own.

Under the new rules, which take effect Jan. 1, 2008, 15-year-olds must:

  • Have parental consent to obtain a beginner’s driving permit.

  • Be accompanied by a licensed driver 21 years old or older when they drive using their permit.

    Before they can get their license, young drivers must:

  • Pass an approved driver’s education course.

  • Get certification from their parent or guardian that they have at least 50 hours of behind-the-wheel practice time, including at least 10 hours at night.

  • Have held a valid driving permit for at least nine months.

    Drivers who are 16 and 17 years old are granted a provisional license, which has the following restrictions:

  • Curfew of 10 pm on weekdays and 11 pm on weekends.

  • Limit of one teenage passenger (excluding siblings) for the first 12 months after receiving a license.

  • Prohibited from using a cell phone while driving.

    Although your kids may object to these new, stricter rules, remind them that the rules are just designed to make them better drivers and keep them safer on the road. And that is a goal we can all get behind. So thanks to Rep. Sandy Cole for sharing the new rules with us.

    Finally, we at The Bensman Group would like to wish all of our clients and friends a Happy New Year. For assistance with any of your insurance or financial services needs, please contact me, or any member of The Bensman Group team, at 847-572-0800 or

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