#3044932 - 11/22/12 01:12 PM
teenager insurance.
|
m.Creek
8 Point
Registered: 08/11/00
Posts: 2222
Loc: Georgetown, TN
|
Offline
|
|
I have 2 kids, and the oldest is 19 now and got her own vehicle and pays her own insurance, now my step son is 17, and last Dec he back into someone in a parking lot, and last Feb 7th, he was driving to school and rear ended someone and totaled his car, and on Feb 19th, we got him another car and on Feb 21 he pulled out from a parking lot and side swiped someone. And he got a ticket on that one with failure to yield. The state made him go through defensive driving class. Well my insurance renewed last month and they cancelled him, so I searched every where for the best rates. And the cheapest I found was 900 per month. My question is, what should I do regarding this high insurance rates, I can't afford to keep paying this, it's killing me. He turns 18 in a couple weeks, but he is still in high school. What should I do?
|
|
Top
|
|
|
|
|
#3044936 - 11/22/12 01:17 PM
Re: teenager insurance.
[Re: m.Creek]
|
Tenn.Guy
8 Point
Registered: 09/17/07
Posts: 1373
Loc: Tenn
|
|
Offline
|
|
Get him a cheap vehicle. Liability only. Only that and time will help.
|
|
Top
|
|
|
|
|
#3044940 - 11/22/12 01:20 PM
Re: teenager insurance.
[Re: m.Creek]
|
Nimrod777
18 Point
Registered: 09/28/03
Posts: 23220
Loc: Spring Hill, TN
|
|
Offline
|
|
Told my kids I would pay their insurance. Anything they did to increase the cost of that basic insurance would be on them. YOUR insurance did not just go up. HIS did. If you want to keep paying the original amount, let him shop around for himself. If he cannot find anything cheap enough, he walks. He rides the school bus. He makes arrangements to get to work. He has to beg rides to have fun. But most of all, he LEARNS why driving safely and within the law is so dang important.
You doing it all for him doesn't teach him squat.
_________________________
Some hunt for racks, some hunt for roasts. I hunt for sheer joy; the aforementioned items are merely fringe benefits.
|
|
Top
|
|
|
|
|
#3044942 - 11/22/12 01:22 PM
Re: teenager insurance.
[Re: Tenn.Guy]
|
m.Creek
8 Point
Registered: 08/11/00
Posts: 2222
Loc: Georgetown, TN
|
|
Offline
|
|
He has liability only, he is rated on driving all of our vehicles. He just has a ton of points on his record. His license was supposed to been revoked for a year, cause he has 14 points, but the woman at the state said she would help him out since he was close to being 18.
Edited by m.Creek (11/22/12 01:23 PM)
|
|
Top
|
|
|
|
|
#3044943 - 11/22/12 01:24 PM
Re: teenager insurance.
[Re: m.Creek]
|
wayne
8 Point
Registered: 02/11/09
Posts: 2100
Loc: Grundy
|
|
Offline
|
|
3 accidents in 3 months. Sounds like the insurance company has done you a favor.
|
|
Top
|
|
|
|
|
#3044944 - 11/22/12 01:25 PM
Re: teenager insurance.
[Re: m.Creek]
|
Eric Kilby
8 Point
Registered: 04/06/06
Posts: 1641
Loc: Tellico Plains
|
Online
|
|
after that many mishaps i would be scared to death to let him drive...
_________________________
Right here in the forest i will find true happiness, the happiness that will not be contaminated by the mind of man.
|
|
Top
|
|
|
|
|
#3044974 - 11/22/12 02:19 PM
Re: teenager insurance.
[Re: Eric Kilby]
|
Inkstainz
8 Point
Registered: 08/23/12
Posts: 1408
Loc: Memphis, Tennessee
|
|
Online
|
|
Man I know mine got to 330 a month after a major incident and i thought that was high! 900 is robbery!!
|
|
Top
|
|
|
|
|
#3044978 - 11/22/12 02:24 PM
Re: teenager insurance.
[Re: Inkstainz]
|
m.Creek
8 Point
Registered: 08/11/00
Posts: 2222
Loc: Georgetown, TN
|
|
Offline
|
|
I know I can't keep paying that price, it's really hard to make ends meet as it is. When I being it up to the wife, it always turns into an argument. She said he has to drive. I'm at a loss. I'm just falling deeper into the pit of debt. I've already sold just about everything I had of any value, except the thing I had to have to get through this hunting season. I can't keep doing this and neither the wife or him seem to care
|
|
Top
|
|
|
|
|
#3044987 - 11/22/12 02:30 PM
Re: teenager insurance.
[Re: m.Creek]
|
Nimrod777
18 Point
Registered: 09/28/03
Posts: 23220
Loc: Spring Hill, TN
|
|
Offline
|
|
why does he need to drive?
_________________________
Some hunt for racks, some hunt for roasts. I hunt for sheer joy; the aforementioned items are merely fringe benefits.
|
|
Top
|
|
|
|
|
#3044989 - 11/22/12 02:31 PM
Re: teenager insurance.
[Re: Nimrod777]
|
m.Creek
8 Point
Registered: 08/11/00
Posts: 2222
Loc: Georgetown, TN
|
|
Offline
|
|
I have no idea, he quit his job. I guess to have a social life.
|
|
Top
|
|
|
|
|
#3044995 - 11/22/12 02:35 PM
Re: teenager insurance.
[Re: m.Creek]
|
strutandrut
Non-Typical
Registered: 07/03/06
Posts: 28621
Loc: signal mountain
|
|
Offline
|
|
BS. From now on, he either pays himself or walks. JMO. And if the wife doesn't agree, may be time for her to walk. Again, JMO.
_________________________
Any day above ground is a good day.
Why do I carry a gun? Because cops weigh too much to carry and are difficult to conceal.
ΜΟΛΩΝ ΛΑΒΕ
|
|
Top
|
|
|
|
|
#3045003 - 11/22/12 02:38 PM
Re: teenager insurance.
[Re: strutandrut]
|
m.Creek
8 Point
Registered: 08/11/00
Posts: 2222
Loc: Georgetown, TN
|
|
Offline
|
|
Strut, that has crossed my mind. I'm just at the end of my rope on this. It's always brought up that we paid for my daughter's insurance, which was less than 100 per month, not 770. That's how much his insurance alone, my wife and mine is 130 for full coverage on 2 vehicles
Edited by m.Creek (11/22/12 02:39 PM)
|
|
Top
|
|
|
|
|
#3045044 - 11/22/12 03:17 PM
Re: teenager insurance.
[Re: strutandrut]
|
Eric Kilby
8 Point
Registered: 04/06/06
Posts: 1641
Loc: Tellico Plains
|
|
Online
|
|
0ffer to pay for the same amount per month as you did the daughters
_________________________
Right here in the forest i will find true happiness, the happiness that will not be contaminated by the mind of man.
|
|
Top
|
|
|
|
|
#3045048 - 11/22/12 03:22 PM
Re: teenager insurance.
[Re: m.Creek]
|
Bowdacious
16 Point
Registered: 09/01/00
Posts: 12952
Loc: over here
|
|
Offline
|
|
Make him walk like the others said. Driving is a privilege and he has abused it by not paying attention. If he isn't working he has no need to drive. The only other option I can think of is to check at Farm Bureau and see if they will take him. They are the only one I know of that puts him as primary on his car and not on the highest costing one. If it were here and I insisted on it getting paid, stik would make me get a second job to do so. There comes a time when kids have to suffer the consequences fr their actions.
_________________________
Disagreeing with me doesn't make me any less right.
____________________________________
The best gift you can give another is the feeling that they are worth something.
|
|
Top
|
|
|
|
|
#3045054 - 11/22/12 03:38 PM
Re: teenager insurance.
[Re: Bowdacious]
|
m.Creek
8 Point
Registered: 08/11/00
Posts: 2222
Loc: Georgetown, TN
|
|
Offline
|
|
Farm bureau, is one of the ones I checked with, they don't want him. Most of the other quotes I got was between 1000 and 1300 per month.
|
|
Top
|
|
|
|
|
#3045056 - 11/22/12 03:40 PM
Re: teenager insurance.
[Re: m.Creek]
|
m.Creek
8 Point
Registered: 08/11/00
Posts: 2222
Loc: Georgetown, TN
|
|
Offline
|
|
Also I have another that turns 16 in about a year and a half.
|
|
Top
|
|
|
|
|
#3045057 - 11/22/12 03:40 PM
Re: teenager insurance.
[Re: m.Creek]
|
Bowdacious
16 Point
Registered: 09/01/00
Posts: 12952
Loc: over here
|
|
Offline
|
|
Farm bureau, is one of the ones I checked with, they don't want him. Most of the other quotes I got was between 1000 and 1300 per month.
Too risky, I guess. I hate that you are having such a problem. I'll send up some prayers for the situation.
_________________________
Disagreeing with me doesn't make me any less right.
____________________________________
The best gift you can give another is the feeling that they are worth something.
|
|
Top
|
|
|
|
|
#3045060 - 11/22/12 03:41 PM
Re: teenager insurance.
[Re: Bowdacious]
|
m.Creek
8 Point
Registered: 08/11/00
Posts: 2222
Loc: Georgetown, TN
|
|
Offline
|
|
Send prayers or a number to a good divorce attorney, I'm sure his rate is cheaper than what I pay for insurance
Edited by m.Creek (11/22/12 03:42 PM)
|
|
Top
|
|
|
|
|
#3045076 - 11/22/12 03:56 PM
Re: teenager insurance.
[Re: m.Creek]
|
Buckykm1
8 Point
Registered: 08/05/12
Posts: 1422
Loc: East Tennessee
|
|
Offline
|
|
I bought my stepdaughter a car a few years ago. She and her mother got into an argument 3 months ago and went to live with her dads mom and dad. I went and got the car and of course who was the bad guy. My wife and i had several arguments over the vehicle. Heck, i bought it, paid the insurance and up keep. Her grandparents bought her a truck. Well she has decided she wants to move back in with us. Fine with me, no problem but i am selling the car just for the simple reason of what was said about me during this whole mess. It's going to get ugly here. Hey Creek, maybe we can find a good 2 for 1 lawyer.
|
|
Top
|
|
|
|
|
#3045077 - 11/22/12 03:58 PM
Re: teenager insurance.
[Re: m.Creek]
|
Inkstainz
8 Point
Registered: 08/23/12
Posts: 1408
Loc: Memphis, Tennessee
|
|
Online
|
|
No man screw that. Tell her to get out of mother hen mode and into reality mode. If not may be time to pack it up.
|
|
Top
|
|
|
|
|
#3045079 - 11/22/12 03:58 PM
Re: teenager insurance.
[Re: Buckykm1]
|
m.Creek
8 Point
Registered: 08/11/00
Posts: 2222
Loc: Georgetown, TN
|
|
Offline
|
|
Sounds good Bucky, I'm sure we can get a good discount
|
|
Top
|
|
|
|
|
#3045091 - 11/22/12 04:13 PM
Re: teenager insurance.
[Re: m.Creek]
|
Barrett
formerly bad_deer24
12 Point
Registered: 11/09/06
Posts: 6809
Loc: Nolensville, TN
|
|
Offline
|
|
Sounds like you need to put him in a bubble
_________________________
The artist formerly known as Bad_Deer24
"Don't Be Where They Are, Be Where They're Gonna Be"
>------>
|
|
Top
|
|
|
|
|
#3045097 - 11/22/12 04:28 PM
Re: teenager insurance.
[Re: Barrett]
|
WGK
Wild Bill
10 Point
Registered: 02/18/12
Posts: 3105
Loc: loudon
|
|
Offline
|
|
Like others have said WALKING AINT CROWDED.
_________________________
William G Kollock
|
|
Top
|
|
|
|
|
#3045104 - 11/22/12 04:40 PM
Re: teenager insurance.
[Re: WGK]
|
lung-buster
8 Point
Registered: 09/16/08
Posts: 1840
Loc: Southern Middle Tn
|
|
Offline
|
|
That many wrecks in that short of time, what happens when somebody gets killed or hurt really bad. When I was 16 I had to pay my truck payment and insurance. He needs a job and a reality check.
|
|
Top
|
|
|
|
|
#3045106 - 11/22/12 04:45 PM
Re: teenager insurance.
[Re: lung-buster]
|
pcrc
8 Point
Registered: 10/12/09
Posts: 1120
Loc: Knoxville
|
|
Offline
|
|
Sounds like mom is always going to take his side. Recipe for disaster. I am going through that with my kids and they are even mine, not stepkids. Just had a buddy go through that with his stepkids. He was supporting not only the stepkids but their deadbeat boyfriends and their kids as well. Did not end well for them as now mom is supporting them on her own. He gave her ultimatum and she chose the twenty-something kids over him. She will be supporting and bailing them out until the day she dies.
|
|
Top
|
|
|
|
|
#3045111 - 11/22/12 04:53 PM
Re: teenager insurance.
[Re: pcrc]
|
Redwing
8 Point
Registered: 11/15/04
Posts: 1673
Loc: Blount Co.
|
|
Offline
|
|
What would your parents have done if this was you, I know what mine would have done. Bought me a new pair of shoes, because that's all the transportation they would provide from that point on. This should be a life lesson for Jr. Mom needs to realize that, if she can't she's half your problem.
|
|
Top
|
|
|
|
|
#3045151 - 11/22/12 05:36 PM
Re: teenager insurance.
[Re: Redwing]
|
Eric Kilby
8 Point
Registered: 04/06/06
Posts: 1641
Loc: Tellico Plains
|
|
Online
|
|
offer to pay the same amount towards insurance as you did for the other kid and let him make up the difference
_________________________
Right here in the forest i will find true happiness, the happiness that will not be contaminated by the mind of man.
|
|
Top
|
|
|
|
|
#3045152 - 11/22/12 05:37 PM
Re: teenager insurance.
[Re: m.Creek]
|
eightpointer
14 Point
Registered: 08/17/02
Posts: 7862
Loc: Birchwood, TN
|
|
Offline
|
|
Creek..Buddy...this is a no brainer. He is DONE driving Period. My Boy is 17 and will turn 18 in JUne. He got his license about 4 months ago. We paid with Farm Bureau about $95 a month before he got license. Now we pay $242 a month. He is very into football and the weights and all that. Wants to play college ball. Now all of em do and its a big world out there. But I told him as long as he keeps grades up and works hard at ball I'll pay for insurance and all is good. When he gets lazy and the grades are down I don't pay for insurance. I may buy another vehicle before too long but right now he hardly ever drives. JMO. Good luck.
|
|
Top
|
|
|
|
|
#3045168 - 11/22/12 05:48 PM
Re: teenager insurance.
[Re: eightpointer]
|
m.Creek
8 Point
Registered: 08/11/00
Posts: 2222
Loc: Georgetown, TN
|
|
Offline
|
|
Several suggestions have been to pay the same as I paid for my daughter, now here's the story on that.
Now when my daughter started driving, we told her that she only gets one car and she had to get a job and maintain it and supply herself with gas, now she had a wreck, that was not her fault and totaled the car. She didn't get another one, she drove one of ours until she bought her own. Now my step son has had 2 cars, one of which I had to make payments on, so nothing is equal.
Edited by m.Creek (11/22/12 05:50 PM)
|
|
Top
|
|
|
|
|
#3045174 - 11/22/12 05:53 PM
Re: teenager insurance.
[Re: m.Creek]
|
m.Creek
8 Point
Registered: 08/11/00
Posts: 2222
Loc: Georgetown, TN
|
|
Offline
|
|
Thus had been an ongoing discussion here at my house for a while, and its leading nowhere, except for me going down the river of debt. It's literally breaking me. I live on a fixed income and the wife got laid off, so there is no room for error. I know if I make the decision that he is on his own with the car and insurance, the s@$! Will hit the fan.
Edited by m.Creek (11/22/12 05:55 PM)
|
|
Top
|
|
|
|
|
#3045221 - 11/22/12 07:00 PM
Re: teenager insurance.
[Re: m.Creek]
|
Nimrod777
18 Point
Registered: 09/28/03
Posts: 23220
Loc: Spring Hill, TN
|
|
Offline
|
|
^ With that being said, how can such an outrageous expenditure even be an option? Time to have a basic budget meeting.
_________________________
Some hunt for racks, some hunt for roasts. I hunt for sheer joy; the aforementioned items are merely fringe benefits.
|
|
Top
|
|
|
|
|
#3045229 - 11/22/12 07:05 PM
Re: teenager insurance.
[Re: m.Creek]
|
encore06
14 Point
Registered: 12/08/06
Posts: 9363
Loc: Harrogate, TN
|
|
Offline
|
|
It boils down to this: You, and you only are the man of the house. You make the decision that best suits the family, taking into consideration the opinion/suggestion of your wife. When the discussion is complete, make a decision, AND STAND BY IT! Let them know this is the way its going to be, no further discussions on the issue. Things may get tough for a while, and you better be prepared to handle it. Is your family attending church? Do you have a pastor/clergy that you can speak to?
_________________________
God Bless, Carl
Jer 29:11 For I know the thoughts that I think toward you, says the Lord, thoughts of peace and not of evil, to give you a future and a hope.
|
|
Top
|
|
|
|
|
#3045266 - 11/22/12 07:38 PM
Re: teenager insurance.
[Re: encore06]
|
Hangnail
12 Point
Registered: 11/30/00
Posts: 6022
Loc: Murfreesboro, TN
|
|
Offline
|
|
Add u pwhat you've spent to keep stepson on the road, insurance, gas, cost of the cars, everything. Make them aware of how much Crash has cost you for the less than two years. Tell them that you're done, finished, selling your stuff to keep him on the road. Let his mother (she isn't acting like your wife) know that she can find another job if Junior's poor driving is worth forty hours a week of her time. Let them stew, moan, biotch, whatever, just refuse to pay for Crash to wreck another car.
As much as I hate to say this, it seems like she's willing to do whatever it takes to make Crash happy, at your expense. What's gonna happen down the road when he does something else?
|
|
Top
|
|
|
|
|
#3045282 - 11/22/12 07:55 PM
Re: teenager insurance.
[Re: m.Creek]
|
Rob R.
10 Point
Registered: 04/25/11
Posts: 3650
Loc: Collierville TN.
|
|
Offline
|
|
Tuff situation you have going on but the answer is easy. Three accidents in three months. The insurance company considers him a HUGE risk which is exactly what he is at this point. No more vehicles for 12 months. The son wont like it at all and the wife probably wont be happy either. Its going to be inconvenient for you all but I honestly believe you could be saving his life by making him walk for a year. He is not ready or responsible enough to operate a motor vehicle on his own at this time. You should also log many many many hours in a vehicle with him over the next year to be sure he becomes a better safer driver.
_________________________
The four most wonderful words in the English language.....Take me hunting daddy!
|
|
Top
|
|
|
|
|
#3045291 - 11/22/12 08:09 PM
Re: teenager insurance.
[Re: Rob R.]
|
Hangnail
12 Point
Registered: 11/30/00
Posts: 6022
Loc: Murfreesboro, TN
|
|
Offline
|
|
A year of not driving isn't going to change his insurance costs. Wrecks stay on your record for three years.
|
|
Top
|
|
|
|
|
#3045292 - 11/22/12 08:12 PM
Re: teenager insurance.
[Re: Hangnail]
|
Rob R.
10 Point
Registered: 04/25/11
Posts: 3650
Loc: Collierville TN.
|
|
Offline
|
|
A year of not driving isn't going to change his insurance costs. Wrecks stay on your record for three years.
Yep, But he isnt ready to operate a motor vehicle at this time.
_________________________
The four most wonderful words in the English language.....Take me hunting daddy!
|
|
Top
|
|
|
|
|
#3045294 - 11/22/12 08:18 PM
Re: teenager insurance.
[Re: Rob R.]
|
waynesworld
8 Point
Registered: 05/13/12
Posts: 1443
Loc: Mboro, Tennessee
|
|
Offline
|
|
creek I dont mean to sound hard harted as I am sorry you are in your situation as with my first wife I had some problems that were caused by the same problem. The problem is not the kid or even insurance. The problem is that God gave us men a responsibility to be the head of that family and we do not always take that responsibility. We tend to give it to the govt, wife, parents and schools. Now that you have relinquished your responsibility you will have a hard time to get it back. I would start by taking your wife out and telling her you are taking the responsibility back and first thing would be to go down to the dept of safety and pull his lisc. I know it is only for a short time but the fact is who ever signed for his lisc is responsible for him. The next thing is take him off the ins and do not let him get behind your cars. When he turns 18 he can get a car when he can afford his own ins and car that needs to be in his name. The thing he needs to know is that his actions have consequences
|
|
Top
|
|
|
|
|
#3045422 - 11/22/12 10:19 PM
Re: teenager insurance.
[Re: waynesworld]
|
leader
12 Point
Registered: 08/10/06
Posts: 6346
Loc: Knox
|
|
Offline
|
|
Here is my thought. Why should you sell your stuff and bust your rear for Him to have a car and insurance when he doesn't even work.
I would not put my finances in jeapordy over this situation.
Not to mention the stress and all else it causes.
No car, no insurance, no fiscal responsibility on your part.
You may get grief at first from them both but I would say, when y'all can pay for it, he can have it. Then I would take the money I'm saving on his insurance and car and go by myself a new gun or something( if it fits your budget).
when they ask why you got a new gun say, you can have nice things and do what you want and get what you want when you have a job and can pay for it.
_________________________
THE ONLY DUMB QUESTIONS ARE THOSE NEVER ASKED!
|
|
Top
|
|
|
|
|
#3045443 - 11/22/12 11:07 PM
Re: teenager insurance.
[Re: leader]
|
Hangnail
12 Point
Registered: 11/30/00
Posts: 6022
Loc: Murfreesboro, TN
|
|
Offline
|
|
Not ready to operate a car at this time? No kidding. My point is that he's in for at least three years of $900+ per month premiums, IF he doesn't get in another wreck or get a ticket. I can't believe a state employee helped him keep his license in the first place.
Depending on your carrier, as long as he's living at your address and he has a license, he will have an effect on your premiums. Also keep in mind that even when he turns eighteen, if you are the one supporting him financially, you could still be in legal hot water if he should hurt or kill someone.
|
|
Top
|
|
|
|
|
#3045543 - 11/23/12 06:26 AM
Re: teenager insurance.
[Re: Hangnail]
|
waynesworld
8 Point
Registered: 05/13/12
Posts: 1443
Loc: Mboro, Tennessee
|
|
Offline
|
|
Not ready to operate a car at this time? No kidding. My point is that he's in for at least three years of $900+ per month premiums, IF he doesn't get in another wreck or get a ticket. I can't believe a state employee helped him keep his license in the first place.
Depending on your carrier, as long as he's living at your address and he has a license, he will have an effect on your premiums. Also keep in mind that even when he turns eighteen, if you are the one supporting him financially, you could still be in legal hot water if he should hurt or kill someone.
Hang under what law would u be liable for someone that is 18?
If anyone drives your car u can b but i would have to see the law that says u can b just because the child lives with u
|
|
Top
|
|
|
|
|
#3045579 - 11/23/12 07:24 AM
Re: teenager insurance.
[Re: waynesworld]
|
BuckWild
TnDeer Old Timer
12 Point
Registered: 09/27/99
Posts: 5392
Loc: Memphis or Birdsong Creek
|
|
Offline
|
|
Buy him a bicycle. When he gets tired of peddling, he will get a job and get his own. He obviously has no business driving a car.
Tell him and his mother...to STFU and deal with it.
_________________________
I'm not a gynecologist but I'll take a look
|
|
Top
|
|
|
|
|
#3045581 - 11/23/12 07:28 AM
Re: teenager insurance.
[Re: m.Creek]
|
Wildcat
Non-Typical
Registered: 06/10/00
Posts: 39099
Loc: Western Ky.
|
|
Offline
|
|
I hate to read all this Mark and with the wife sticking with his side makes it ever harder. Three accidents in three months, sorry but certain people need to wake up to the truth. The insurance companies have already woke up and have written him off, they have the numbers and they know the odds are he's going to have another one and soon. If I had any kids that were friends of his and knew about this I would never let them in a car with him driving.
This is not something where the insurance companies are the bad guy here but they are the good guy, it might not look like it but they are saving his life and any other kids that are in the car with him.
Another thing to keep in mind. If you all think the insurance rates are high then wait until later. If he keeps driving without any insurance and has another accident then YOUR LEGAL problems will be 10 times what the insurance is now. If someone gets hurt or worst then you are looking at 100 times the dollar amount and up. A $900,000 lawsuit against you as his parents would be CHEAP.
_________________________
A Government that does not trust its law abiding citizens to keep and bear arms, is itself unworthy of trust..... - James Madison
|
|
Top
|
|
|
|
|
#3045583 - 11/23/12 07:29 AM
Re: teenager insurance.
[Re: waynesworld]
|
Hangnail
12 Point
Registered: 11/30/00
Posts: 6022
Loc: Murfreesboro, TN
|
|
Offline
|
|
I don't know that there is a law as I'm not a lawyer. I was told by an attorney a few years ago that if you have an adult aged family member or minor living with you that you financially support that you might be held liable should that person injure or kill someone with a vehicle that you maintain, put gas in, etc. He didn't go into a lot of detail, but I get the feeling that he was probably talking about being liable in a civil suit. I can see it happening in a trial setting with a jury. Hopefully, nobody will have to find out.
|
|
Top
|
|
|
|
|
#3045640 - 11/23/12 08:12 AM
Re: teenager insurance.
[Re: m.Creek]
|
jameseboy
8 Point
Registered: 10/02/03
Posts: 1601
Loc: Germantown, TN
|
|
Offline
|
|
No brainer, no car till leaves home and pays for his own.
|
|
Top
|
|
|
|
|
#3045759 - 11/23/12 09:38 AM
Re: teenager insurance.
[Re: jameseboy]
|
JA1234
10 Point
Registered: 01/13/06
Posts: 3841
Loc: just a hair or two north of th...
|
|
Offline
|
|
My dad grew a set and made me walk and bike for six months because I kept getting tickets. Didn't kill me. May have saved my life. Sure I hated him for a few months. But I learned real quick and I would not think twice about doing the same to my kids or anyone else I was responsible for
Just saying. Sorry for Ur situation
|
|
Top
|
|
|
|
|
#3045770 - 11/23/12 09:49 AM
Re: teenager insurance.
[Re: JA1234]
|
SES
6 Point
Registered: 10/13/11
Posts: 822
Loc: Corryton, Tn
|
|
Offline
|
|
If your wife just got laid off, she can be his transportation provider. I would cancel his insurance and sell his car.
|
|
Top
|
|
|
|
|
#3045981 - 11/23/12 02:45 PM
Re: teenager insurance.
[Re: SES]
|
BlackBelt
10 Point
Registered: 08/09/08
Posts: 2615
Loc: SouthWest TN
|
|
Offline
|
|
I'll tell you what happens when someone besides the driver pays the car note and/or the insurance and the driver gets into a serious wreck...
The attorneys for the injured parties go after EVERYONE who pays the bills.
I know this because my ex got into a wreck with 2 sheriffs deputies riding in the same squad car busted a light and she t-boned them. They did not have lights ir sirens on. They sued her for $2 million each. Their attorneys left no stone unturned looking into who was paying her bills, with the intent of dragging them into court also. Thankfully the car was paid off and she paid her own insurance. BTW, the cops injuries were not physical, but for PTSD associated with the accident.
This took over 2 years to drag through the court system before it was over.
What a nightmare.
|
|
Top
|
|
|
|
|
#3046060 - 11/23/12 04:06 PM
Re: teenager insurance.
[Re: BlackBelt]
|
Pam
12 Point
Registered: 08/31/07
Posts: 5927
Loc: MEMPHIS
|
|
Offline
|
|
m.Creek, for one, I know moms get involved thinking they know everything, (I almost did that with our youngest son 19, so it might be an instinct! but she needs to wise up, like I did) but I say we could not afford insurance that high, and maybe he needs to get a job or go to school, and someone in the family give him a ride for that. It's stressful, I hope it gets better for your family!
_________________________
|
|
Top
|
|
|
|
|
#3046070 - 11/23/12 04:11 PM
Re: teenager insurance.
[Re: m.Creek]
|
TAFKAP
12 Point
Registered: 11/06/09
Posts: 6996
Loc: Memphis
|
|
Offline
|
|
My question is, what should I do regarding this high insurance rates, I can't afford to keep paying this, it's killing me. He turns 18 in a couple weeks, but he is still in high school. What should I do?
Simple. DON'T
The school still sends busses, correct? Driving is a privilege, not a right. If he can't prove himself worthy to safely operate a vehicle, you have no business providing him a method to achieve strike 4.
_________________________
Everything important in life was learned from Mary Jo Kopechne.
|
|
Top
|
|
|
|
|
#3046073 - 11/23/12 04:14 PM
Re: teenager insurance.
[Re: m.Creek]
|
TAFKAP
12 Point
Registered: 11/06/09
Posts: 6996
Loc: Memphis
|
|
Offline
|
|
Thus had been an ongoing discussion here at my house for a while, and its leading nowhere, except for me going down the river of debt. It's literally breaking me. I live on a fixed income and the wife got laid off, so there is no room for error. I know if I make the decision that he is on his own with the car and insurance, the s@$! Will hit the fan.
Are you a parent or a doormat? Untuck your wiener from between your legs, and stand up to someone for once. This is ridiculous. "Tough It-Shay" should've been the first thing out of your mouth at the last wreck.
_________________________
Everything important in life was learned from Mary Jo Kopechne.
|
|
Top
|
|
|
|
|
#3046152 - 11/23/12 05:33 PM
Re: teenager insurance.
[Re: pcrc]
|
ClubHead
6 Point
Registered: 12/29/06
Posts: 662
Loc: Benton Co.Ky Lake,Tn
|
|
Online
|
|
If a kid buys his own vehicle and pays insurance,It will be taken care of.Trust me!!!!!!!!!!!!
|
|
Top
|
|
|
|
|
#3046447 - 11/23/12 09:13 PM
Re: teenager insurance.
[Re: ClubHead]
|
knight88
10 Point
Registered: 09/28/06
Posts: 3217
Loc: SE Arizona and Hardin county
|
|
Offline
|
|
Probably things are going to get a bit sticky at your house for a while. The only good advice I can give is to have your wife sit down and read the comments posted here then have the step son do the same. After they have had done this then sit down and TRY to have a civilized discussion.. The cash cow is dead the boy is heading down the path to SELF destruction..
Prayers sent...
_________________________
Finally at home in Hardin county, thank the Lord...
|
|
Top
|
|
|
|
|
#3062369 - 12/04/12 04:42 AM
Re: teenager insurance.
[Re: m.Creek]
|
codysalvick
Button
Registered: 11/30/12
Posts: 3
Loc: Anaheim, CA, USA
|
|
Offline
|
|
Unfortunately, he’s still very young and been involved in way too many accidents for car insurance to be cheap for him. Solution? Get him a cheaper car, install security and anti-theft devices to his vehicle (some companies offer discounts for doing so), get basic liability insurance and have him get a job and at least split the payments. Also, make sure you approach at least 3-4 companies for good rates. The more you look around, the better your chances of finding something.
|
|
Top
|
|
|
|
Moderator: RUGER, Unicam, gtk, Tennessee Todd, Lakeland Charlie, Cuttin Caller, CBU93, stretch, Outdoor Lady, TurkeyBurd, MAN, Bobby G
|
12110 Members
38 Forums
115897 Topics
1411620 Posts
Max Online: 756 @ 11/20/12 09:10 AM
|
|
|
The TnDeer.Com Deer Talk Forum is for Tennessee Deer Hunters by Tennessee Deer Hunters. If you enjoy using our Talk Forum and would like to contribute to help in it's up-keep. Just submit your contribution by clicking on the DONATE button below and paying with PayPal or a major credit card. Any amount is much appreciated. Thanks for your support!
|
|
|
