Many countries have the driving license at 16. In France it’s accompanied by a parent; in USA it’s the full driving license (I’ve learnt at 13 and never had an accident for 30 years). 16 is ok if you withstand peer pressure.
Insurance and actuarial science is some of the most data-drivenwork we have. It is incredibly hard to withstand peer pressure and there is not much wrong in admitting what the data has already proven.
