In the typical teenager's mind, that would be after, not if

Was it an "if" in yours when you were a teenager? There are lots of strong statistical differences that are visible in the teenage population and trickle their way into insurance tables.

Basically we could do a better job engendering concern from teenagers, its not some kind of inherent mental lack of capability.

My point was that worrying about hypothetical outcomes is not usually at the forefront of a teenager's mind. Sure, they will regret wrecking their parents' car, but that doesn't mean that they will avoid actions that might wreck said car.

Yup, got that.

Female teenagers are way less likely to have wrecks (1) and if we assume its not driven by one's genitalia and rather by their conditioning - an assumption I hold, its something that can be taught.

"In 2019, the motor vehicle death rate for male drivers aged 16–19 was over two times higher than the death rate for female drivers of the same age."

1. https://www.cdc.gov/transportationsafety/teen_drivers/teendr...

We are discussing a hypothetical teenager who doesn't exist, who knows?

Besides, I had thousands of HN karma (the most important metric of maturity of course) when I was a teenager not very long ago.