This depends on a wide array of things. like what car, limits, geo area, etc. depending on the answers, i wouldn't find it too out of the line.
Teenager car insurance
- Thread starter snakedoctor
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This depends on a wide array of things. like what car, limits, geo area, etc. depending on the answers, i wouldn't find it too out of the line.
Its pure negligence. Its not a one off with you giving your friend permission to borrow your vehicle. Its concealing the fact you know you have a high risk teenage driver in the house and not wanting to pay the premium.
Might not help you, but I had to pay for my own insurance at 16 so I got clever about it. I bought a older car, registered it as a classic (15 years old in my state), and I insured it on my own limited mileage policy. Because I technically had my own policy my parents did not have to add me to their policy.
Put your kid on their own policy. That's what we did with ours.
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The relationship between the insured (e.g., O.P.) and the insurer (e.g., USAA) is purely contractual. Thus, I am still confused as to how you know anything regarding this contractual relationship without reading his policy?
unless the person is driving a 15-20 year old heap it will still be hundreds of dollars a month....keep them on your policy, and just have them pay for it. It should be a marginal increase at that point.
When I was on my own policy, a 2004 350z was $490/mo (I was 18 at the time, circa 2011). Its insane.
This has more to do with the protection of assets such as a house which is owned by the parents not the kid. Let's say an accident occurs that results in a death and the kid is underinsured the parents would be sued.
My kid is on his own and we used a broker and found him a $90 a month policy with 100-250 liability coverage. He started that when he turned 18.
Since we couldn't get $1 million umbrella coverage over our home it was best for the family to separate him from our insurance.
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This. While attorneys do not normally go after the personal assets of parties found liable for motor vehicle collisions, it is possible. I've personally witnessed it happen in only one case. In that case, both of the insurance carriers for the at-fault driver denied coverage. The injured party had to go through his uninsured motorist coverage and sought to recover the excess judgment from the at-fault driver personally. Fortunately, for the at-fault driver, at least, it was only $2-3k out-of-pocket and did not require the forced-sale of personal assets.
That's not correct in 95% of cases. Why would the parents be sued for the conduct of their son? For providing the instrumentality of injury? Unless there are facts supporting a negligent entrustment cause of action (e.g., son had a habit of drinking and driving, son was a terrible driver, had a lot of accidents, etc.), or unless the parents negligently maintained their vehicle, the parents wouldn't, and couldn't, be successfully sued.
Thanks for clarification.
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If I drive your car and it’s insured and have an accident it’s covered. Same for your kid. Each a Auto should be insured therefore who ever drives it is covered even if the driver is illegally driving. You just don’t want to have repeated violations
In my corner of the professional arena I get to deal with attorneys every day. I have given up on what should and should not legally happen. I have sat in court and watched innocent people get nailed, and guilty people walk.
That said; follow the law, respect it, and do not leave anything to question in regard to a judge or jury. If there is a questionable situation, that situation can be challenged.
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