Any time you are involved in an accident, whether it is your fault or someone else’s, a record of it is kept on file with the DMV. Having several of these on your record can result in increased insurance rates, cause your license to be suspended, and/or make your family ashamed of you (assuming they aren’t already). While you may have enjoyed Go-Karts as a kid, your car is built to withstand slightly less damage in a collision, so try not to hit the other cars, even if it sounds like fun.

Your parents will assume financial responsibility for you until you are 18, but that is still no reason to plow through Mrs. Miller’s tomato garden just for grins and giggles. In addition to the possibility of losing your license, if your parents have to pay out because of your irresponsibility, they’re going to have less cash on hand, and our guess is that your score this coming holiday season will be less than impressive. And you’re getting zip from Mrs. Miller.

The magic number here is three collisions. While in a perfect world we would hope you aren’t at fault in any collisions, if you are convicted of being at fault in three collisions within 36 months, you’ll have to complete an approved driver improvement course, and then you’ll have to take your driving test over. If you thought it was bad the first time, just wait until you see the extended test they give to repeat offenders.