Ok, beyond the obvious "quit being such losers and buy some insurance" angle here, I have absolutely ZERO problem with their plan to have her get a job and pay for her own insurance.
HOWEVER--by their own admission, they live in a rural area and any jobs would be some distance away, undoubtedly requiring that she, you know, DRIVE to said jobs.
So, how is she supposed to drive to a job to pay for insurance--when she can't drive for lack of insurance?
Also, with this being a stepparent situation and the step is the one writing in, I can't help but wonder if they could afford it--she just doesn't want to.
However, again, I have no problem with the "job" plan--except it won't work as presented.
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I'm not arguing, I'm just explaining why I'm right.
Well, I could agree with you--but then we'd both be wrong.
Oh, and she should absolutely NOT be driving without insurance, either. Dad needs to pony up for it if he wants her to drive her step mom and siblings to go shopping.
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I'm not arguing, I'm just explaining why I'm right.
Well, I could agree with you--but then we'd both be wrong.
Husker, I am a little (a lot) lost here. Are you referring to another thread or was there something you intended to post at the beginning. I cannot really make out what is going on here....
DEAR ABBY: My 17-year-old stepdaughter, "Audra," got her driver's license a few months ago and has started pressuring us to put her on our car insurance. When we told her we can't afford it, and if she wants to be on the insurance she has to get a job and pay for it, she had a temper tantrum.
About a month ago, my husband wanted her to go to the store for him. We live in a rural area and everything is some distance away. After she left, he asked me if I was mad that he let her take the car. I told him I thought he was asking for trouble sending her out with no car insurance. He said, "But she wants to drive so badly." My husband now wants me to let her take me shopping and bring along our two small kids.
If Audra gets into an accident, we could be sued for everything we have! No one is a great driver when they first start driving, but she is a beginner without insurance. I have considered calling the police and telling them she's driving without insurance. What do I do? -- NO INSURANCE IN NEW YORK
DEAR NO INSURANCE: Stick to your guns. It appears Audra has some growing up to do before she starts driving. If at the age of 17 she's still having tantrums when she doesn't get her way, she's not emotionally mature enough to be behind the wheel of a car. Your concerns about her getting into an accident are common sense. Transporting small children in a car driven by an uninsured, inexperienced driver is not advisable.
DEAR ABBY: My 17-year-old stepdaughter, "Audra," got her driver's license a few months ago and has started pressuring us to put her on our car insurance. When we told her we can't afford it, and if she wants to be on the insurance she has to get a job and pay for it, she had a temper tantrum.
About a month ago, my husband wanted her to go to the store for him. We live in a rural area and everything is some distance away. After she left, he asked me if I was mad that he let her take the car. I told him I thought he was asking for trouble sending her out with no car insurance. He said, "But she wants to drive so badly." My husband now wants me to let her take me shopping and bring along our two small kids.
If Audra gets into an accident, we could be sued for everything we have! No one is a great driver when they first start driving, but she is a beginner without insurance. I have considered calling the police and telling them she's driving without insurance. What do I do? -- NO INSURANCE IN NEW YORK
DEAR NO INSURANCE: Stick to your guns. It appears Audra has some growing up to do before she starts driving. If at the age of 17 she's still having tantrums when she doesn't get her way, she's not emotionally mature enough to be behind the wheel of a car. Your concerns about her getting into an accident are common sense. Transporting small children in a car driven by an uninsured, inexperienced driver is not advisable.
Ha! Yes, thank you.
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I'm not arguing, I'm just explaining why I'm right.
Well, I could agree with you--but then we'd both be wrong.
Trudy works in claims, husker. She's talking about a case.
I used to drive my friend's car all the time growing up. We'd go to Hollywood (about 30 minutes away) and I drove in traffic better than she did. When I think back, that probably wasn't such a good idea.
Isn't there something about "permissive use" which makes the insured, i.e., mother liable, Trudy?
When my kids got their licenses, the insurance company raised the rates to include them without our asking them to cover them. We had no choice, unless the kid had his own coverage from another company (which we would have to document.)
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The Principle of Least Interest: He who cares least about a relationship, controls it.
Here, you are required to report all licensed drivers to your insurance who reside, even custody situations, at your house whether they would be driving any of your vehicles or not.
When DH & I lived with ILs, we were listed as potential additional drivers on their policy as they were listed on ours. DSS was added to both policies when he became licensed.
Thankfully here in VA insurance follows the car. The GF would have been covered for the accident but the claim points would follow the Mother (car owner) for 3 years.
When I started driving my parents paid paid my car insurance for 6 months term. At the end of 6 months, I had to have a job and take over payments for the car insurance. No job = no insurance = no driving.
When I started driving my parents paid paid my car insurance for 6 months term. At the end of 6 months, I had to have a job and take over payments for the car insurance. No job = no insurance = no driving.
Now, if you have a license, you are on your parents' insurance whether your parents want you to be or not. There is no option. Any insured driver with your address MUST be on your insurance unless you can prove they have their own insurance.
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Out of all the lies I have told, "just kidding" is my favorite !
When I started driving my parents paid paid my car insurance for 6 months term. At the end of 6 months, I had to have a job and take over payments for the car insurance. No job = no insurance = no driving.
I think this is reasonable.
Here, though, I'm pretty sure all licensed drivers in the house have to be named and covered, which is why some people delay getting the licenses - it will raise costs even if the kid isn't actually driving. However, the kid doesn't have to know that.
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LawyerLady
I can explain it to you, but I can't understand it for you.
We didn't have to put our kids on our insurance until they got their license. They were able to legally drive from age 14 with their school permits--but w didn't have to put them on our insurance at that time.
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I'm not arguing, I'm just explaining why I'm right.
Well, I could agree with you--but then we'd both be wrong.
But here's my question, when Caitlyn got her license the insurance did go up. But my next birthday, mine went down.
So it evened out.
Is it just my insurance company that gives discounts as you age?
I got a discount at 23, when I married, again at 30 and again at 40.
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A flock of flirting flamingos is pure, passionate, pink pandemonium-a frenetic flamingle-mangle-a discordant discotheque of delirious dancing, flamboyant feathers, and flamingo lingo.
But here's my question, when Caitlyn got her license the insurance did go up. But my next birthday, mine went down.
So it evened out.
Is it just my insurance company that gives discounts as you age?
I got a discount at 23, when I married, again at 30 and again at 40.
He, he. How old did you turn? :P
I'm 45 now.
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A flock of flirting flamingos is pure, passionate, pink pandemonium-a frenetic flamingle-mangle-a discordant discotheque of delirious dancing, flamboyant feathers, and flamingo lingo.
But here's my question, when Caitlyn got her license the insurance did go up. But my next birthday, mine went down.
So it evened out.
Is it just my insurance company that gives discounts as you age?
I got a discount at 23, when I married, again at 30 and again at 40.
Most companies discount like that but I've not heard of the turning 40 discount. Then when you hit 65 they start increasing again as you age.
Maybe it was for good driving, no tickets or accidents.
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A flock of flirting flamingos is pure, passionate, pink pandemonium-a frenetic flamingle-mangle-a discordant discotheque of delirious dancing, flamboyant feathers, and flamingo lingo.
But here's my question, when Caitlyn got her license the insurance did go up. But my next birthday, mine went down.
So it evened out.
Is it just my insurance company that gives discounts as you age?
I got a discount at 23, when I married, again at 30 and again at 40.
Most companies discount like that but I've not heard of the turning 40 discount. Then when you hit 65 they start increasing again as you age.
Maybe it was for good driving, no tickets or accidents.
Not here. Major discounts due to the AARP fighting. My worst accidents aren't teens. It's elderly. Just asked a woman today if she really thinks her 80 yo mother should be driving. Her response? She wants to. Ok. Well she just wacked yet another car. Really?
Think by then I'll just bubble wrap the car really good.
Or maybe those hovercraft that drive themselves will be common and I won't have to worry about it.
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A flock of flirting flamingos is pure, passionate, pink pandemonium-a frenetic flamingle-mangle-a discordant discotheque of delirious dancing, flamboyant feathers, and flamingo lingo.
But here's my question, when Caitlyn got her license the insurance did go up. But my next birthday, mine went down.
So it evened out.
Is it just my insurance company that gives discounts as you age?
I got a discount at 23, when I married, again at 30 and again at 40.
Most companies discount like that but I've not heard of the turning 40 discount. Then when you hit 65 they start increasing again as you age.
Maybe it was for good driving, no tickets or accidents.
Not here. Major discounts due to the AARP fighting. My worst accidents aren't teens. It's elderly. Just asked a woman today if she really thinks her 80 yo mother should be driving. Her response? She wants to. Ok. Well she just wacked yet another car. Really?
We have an elderly couple insured that have several fender benders. I don't think she actually drives anymore but he does. He can barely walk & we think every time he comes in to pay his bill oh geeze he's driving?!?
You can exclude drivers here but watch out if you let them drive after signing those forms.
Years ago ago when DS started driving I refused to let him drive my car. He was a boy and drove fast. I got him a car and he had to pay for his insurance which was about 3K/year at the time. No way would I have let him drive younger siblings (not that he had any then) He having to pay his own insurance taught him to drive more responsibly.
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Sometimes you're the windshield, and sometimes you're the bug.
But here's my question, when Caitlyn got her license the insurance did go up. But my next birthday, mine went down.
So it evened out.
Is it just my insurance company that gives discounts as you age?
I got a discount at 23, when I married, again at 30 and again at 40.
Most companies discount like that but I've not heard of the turning 40 discount. Then when you hit 65 they start increasing again as you age.
Maybe it was for good driving, no tickets or accidents.
Not here. Major discounts due to the AARP fighting. My worst accidents aren't teens. It's elderly. Just asked a woman today if she really thinks her 80 yo mother should be driving. Her response? She wants to. Ok. Well she just wacked yet another car. Really?
DS had so many speeding tickets which is one reason why his insurance was so high. He started being more responsible. One day, an elderly driver ran a stop sign and t-boned DS and DS landed on a snow bank. It was in a small town just south of me. The cop didn't want to site the elderly driver because "he was old and could be your grandpa". DS called me in a panic and I told him to not leave the scene without the cop writing it all up and get witnesses. A trash truck driver saw the whole thing and gave DS his name and info. If it wasn't for that trash truck driver, DS would have been on the hook for years more of high insurance and those pesky add ons, what ever you Mass peeps call them, Trudy.
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Sometimes you're the windshield, and sometimes you're the bug.
But here's my question, when Caitlyn got her license the insurance did go up. But my next birthday, mine went down.
So it evened out.
Is it just my insurance company that gives discounts as you age?
I got a discount at 23, when I married, again at 30 and again at 40.
Most companies discount like that but I've not heard of the turning 40 discount. Then when you hit 65 they start increasing again as you age.
Maybe it was for good driving, no tickets or accidents.
Not here. Major discounts due to the AARP fighting. My worst accidents aren't teens. It's elderly. Just asked a woman today if she really thinks her 80 yo mother should be driving. Her response? She wants to. Ok. Well she just wacked yet another car. Really?
DS had so many speeding tickets which is one reason why his insurance was so high. He started being more responsible. One day, an elderly driver ran a stop sign and t-boned DS and DS landed on a snow bank. It was in a small town just south of me. The cop didn't want to site the elderly driver because "he was old and could be your grandpa". DS called me in a panic and I told him to not leave the scene without the cop writing it all up and get witnesses. A trash truck driver saw the whole thing and gave DS his name and info. If it wasn't for that trash truck driver, DS would have been on the hook for years more of high insurance and those pesky add ons, what ever you Mass peeps call them, Trudy.
About 5 years ago some jerk crossed the intersection in front of me cutting me off. I narrowly missed hitting him but the car behind me didn't break as fast & rear ended me. The cop said he could ticket her if I pushed it but I figured she had a bad enough day. She had a crying baby with her & her car was most likely totaled. Then she lied to her insurance company & said I switched lanes in front of her & cut her off. Eventually my company subrogated & I got my deductible back but it was a royal pain. I will never be nice like that again. I'll demand the cop write out the ticket.
About 5 years ago some jerk crossed the intersection in front of me cutting me off. I narrowly missed hitting him but the car behind me didn't break as fast & rear ended me. The cop said he could ticket her if I pushed it but I figured she had a bad enough day. She had a crying baby with her & her car was most likely totaled. Then she lied to her insurance company & said I switched lanes in front of her & cut her off. Eventually my company subrogated & I got my deductible back but it was a royal pain. I will never be nice like that again. I'll demand the cop write out the ticket.
I was lucky. The woman who ran a red light and t-boned my car got tickets for no valid license and no proof of insurance.
Also, there was a witness who testified.
And now I use a dash cam.
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The Principle of Least Interest: He who cares least about a relationship, controls it.
