Home Forums Hunting & Shooting Hunter's Campfire Teenager Insurance Question

^^^ This ^^^ and liability costs in general, too.

Check out what little difference in premiums there is when dropping full coverage portion on a vehicle, especially on older vehicles.

I'm not a lawyer, but I had kids and paid their insurance.

Minnesota law leans toward SandBilly's version, but with a twist. No-Fault laws contain a 'frozen liability' clause that dictates an insurer must pay liability claims no matter what was said or agreed to prior to the claim/accident. The twist is that while the insurer must pay your liability claim - they can sue to recover their costs at a later date.

I bit the bullet and paid the going rate. I never viewed it as a morality play, just a better gamble.

yea really , gaming the system , making others pay for him !!

I told our agent after seeing our rates go up that my wife was getting an abortion for that teenager.

JK


We insure a few houses, 5 vehicles, a boat on our policy, so get a fairly good break. I’ve been known to tell an agent I don’t want to shop for insurance but will if prodded.

Don’t recall them prodding much & iirc they gave us same answer Flave got, insure cars not drivers 🤷🏻‍♂️

Youngest just turned 23 & I can’t remember what day it is, so above may be fos

The only time I've ever made a claim is total loss. 2 vehicles.

I cover my car - full coverage, 2mm umbrella and Harley - full coverage for 190 a month. West Bend. And because I'm claim free, I usually get about 120 a year back as a "refund" from them.

Not too bad.

Harley is worth 2x what the car is tho...

Straying afield a little bit. Everyone that has "full coverage" with state minimums in liability coverage ought to reconsider. Especially if you have minors in your family driving. In most states your uninsured motorist coverage is limited to the amount of your liability limits and most agents don't push for higher limits which add very little to the overall cost. My brother in law always prided himself on his full coverage which included the Louisiana minimum of $30K liability and the corresponding $30K in un/under insured motorist coverage. A distracted lady came over into his lane with a GMC Suburban and demolished his little Ford Escape killing his wife and almost killing him and their 15 year old son. The lady in the Suburban had $50K total liability coverage and no personal assets to attach. For years I've been carrying $500K in UIM and liability coverage and I feel underinsured. This same brother in law carried a $25K whole life policy on himself and both kids instead of a much higher limit term policy on himself and his wife. In short, he collected barely over $100K for a million$ plus accident and his health insurance was trying to attach the money last that I heard.

there are alot of old grouchy f#$kers on here who think its ok to run their mouth to people because they are hiding behind a keyboard. How about if you have somethiung to say to someone you list your name and address first. If not, just STFU you bunch of cowards.

I noticed you called a bunch cowards without listing name and address....

Irony.

I wasn't insulting anyone in paticular. Did you think I was talking to you?

The thing that worked for me was to put my son on my farm policy and let him drive a farm truck (which it was, primarily). Cheap vehicle, good student discountand liability only made it pretty doable. And when he spun out on ice and tested the airbag on the guardrail, the accident was never reported...... Even though it was a waste of a perfectly good Tacoma with only 330,000 miles on it......

Nope but still - the point stands.

You apparently had something to say - didn't list name and address first and then further hid behind your keyboard by not naming names.

Now you're pulling lawyer tricks, back peddling when I noticed the irony.

Geeze.

This guy must be a real bad ass.

$300 additional per month for a teen driver and a brand new car doesn't sound that bad really.

Sucks but that's what it is.

In my business, I had a 19 yo working for me. To add him onto the policy cost me about $4000 a year.

My current private insurance is through the roof also because I have 1 teen driver (17 yo) and we own a lot of vehicles on the policy (7 motorized vehicles plus trailers, camper etc.) My son has a permit and will be getting his license this fall. At that time, I am going to be looking into putting a vehicle in his name and get his own policy.

Some families would have a hard time explaining that their child rarely uses a vehicle.

Others, not so much.

Hastings,

The same thing happened to me. My dad, who was very financially astute snd should have known better carried 50k on his vehicle. He was hit head on by a kid who crossed the center line while looking for his cell phone, kid had the minimum 25k of coverage. My dad died as a result of his injuries after spending more than two months in the hospital. Our recovery was a pittance to what it should have been.

Maybe we can get him and Blackheart in the ring for a 'Fire PPV event. I'd be surprised if either could sustain vigorous movement of any sort for 2 minutes.

Posting under a pseudonym for safety's sake of course.

Entertaining thread! lmmfao
People wanting to throw hands!

How much does Kia Forte insurance cost?

https://insuraviz.com/vehicles/kia/kia-forte-insurance/

Oh looky here, you come up for air after sucking varmintGuy’s old cock?

#DOUBLESHEESH