by roxannenm » Tue Oct 23, 2007 01:18 am
If my teenager lives with me and has permission to drive a vehicle, why do i have to put him on the policy as an additional driver? This will make premiums go higher.
Posted: Fri Dec 07, 2007 04:25 am Post Subject:
I am still with Estreetloans on this one, it will lower the risk for you and teach the young driver more responsibility if he chooses to take it. Kids are just so easily influenced by their friends and behind the wheel can be like loaded guns, not all kids of course.
I got an email from a friend, I will post the link here sometime about drunk driving and teens. The lesson is that not everyone who is hit by a drunk driver dies, a young girl was trapped for 45 seconds in a burning car, she was hit by a 17 year old driver. They both are paying the consequences. If you get a chance, google the ad, it is a campaign now. It is sad but true.
Goodluck with your decision, I know it is a tough one to make, you have alot of good advice here to guide you and you know your child better than anyone. I will be in your shoes someday and will remember this thread. thank you for asking an intelligent question that got some really good, informative answers.
Posted: Tue May 07, 2013 04:08 pm Post Subject: My 2 Cents
Just allow me my input, you child does not have to have a drivers licenses under your roof. Meaning She/he can get one when they turn 18 and move on. My reply comes from the deep dark spot in a parents heart that says this child chooses to follow the 5 basic community living rules that we all live under, chooses to not turn in her homework there fore fails until we ground her and stand over her everynight making sure she is doing it and unground her when grades return to a minimu level. I as a parent am under no obligation to let her have one with the massive amounts of irresponsibility she has displayed (examples above are not all inclusive) and I won't permit (unlease) her on the road where her irresponsibility has a chance of negativley impacting others. She has been told how to earn the great priviledge to drive and has made no steps towards earning it. So I as the parent will be the responsible one for her and keep her off the road while I have control (or some facimile of) of it. You don't owe your kids smart phones, drivers license, a car or college. Most people have to go out and earn those things, I did, most of you did and it's going to build my childs character too.
Posted: Sun Jun 01, 2014 02:11 am Post Subject: adding thought
If my licensed child does not drive my car , then there will be no reason for me to be scandaled into paying my already high premiums. Not gonna happen.
Posted: Sun Jun 01, 2014 02:16 am Post Subject: i forgot
Do you have children over 16....... Hmmmm answer.
NO. Not that hard unless you like over paying and need to struggle more in a corporate world
Posted: Sun Jun 01, 2014 02:16 am Post Subject: i forgot
Do you have children over 16....... Hmmmm answer.
NO. Not that hard unless you like over paying and need to struggle more in a corporate world
Posted: Sun Jun 01, 2014 02:17 am Post Subject: adding thought
If my licensed child does not drive my car , then there will be no reason for me to be scandaled into paying my already high premiums. Not gonna happen.
Posted: Mon Jun 02, 2014 07:50 pm Post Subject:
If my licensed child does not drive my car
If your licensed child lives in your home, he/she has "access" to your vehicle(s). You may certainly actively "exclude" the child from coverage under your policy, but you cannot exclude them from liability as a child living in your home who gains access to your vehicle and negligently causes damage or persons or property. Doesn't matter if they are under 16, over 16, or over 21.As the proverb states: "A fool and his money are soon parted."
Posted: Mon Jun 02, 2014 07:55 pm Post Subject:
Also a person gets their license in order to drive. If I had a dime everything someone said their teenage won't drive and then they did I'd have a lot more money. A teenager_will_ drive a vehicle at some point so the risk is there.
Most carriers won't allow a driver to be excluded as they are still required by the state to provide coverage.
Posted: Mon Jun 02, 2014 10:13 pm Post Subject:
I should have also added that every state requires an adult to provide a signature guaranteeing financial responsibility for a driver under age 18. Whether you have the insurance or not, you are on the hook for everything that person does behind the wheel of a motor vehicle to at least age 18, if not longer, especially if they are living in your home.
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