After my teen’s three claims and two tickets in one year, I am not surprises by my insurance termination letter. Wife and I have unblemished driving records. We have three cars, all in my name, and the teen lives at home with us in Georgia. I’m wondering if there is a way to get the teen on their own policy. I’m willing to title one of the cars in their name if it would isolate my liability and rates from the teens. Any strategies others have used in this situation?
Edit: teen is 19 if that matters.
Auto insurance terminated due to teen driver behavior
byu/deadeye_jb inInsurance
Posted by deadeye_jb
30 Comments
I think it would be cheaper to give them $500/month in Uber cards and exclude them from your policy. That’s wildly unacceptable driving behavior to continue to support.
Generally speaking, all drivers in the HH must be listed on the policy.
So, even getting them their own policy may not work. You’d have to look at excluding them, if your company allows it, but that’s almost a bad idea. They can never drive the cars on the policy at all.
Youe teen needs to drive better and youre likely going to have to pay a shit ton for insurance for awhile
That is the worst driving behavior I have ever heard. Almost hard to do. She shouldn’t even be allowed to drive at that point? She is going to harm somebody.
You have to list her as a driver or nobody will insure you. You will pay an ungodly amount for the next 4 years
If they are under 18 they may not even be able to purchase their own insurance. Your teen doesn’t sound responsible enough to handle a motor vehicle. Maybe Uber a bit until the activity gets older and some driving instruction.
Don’t enable it. A kid with 3 claims and 2 tickets shouldn’t be driving. If my kid did this, I’d tell them they can’t drive anymore and they can’t use my car
They’re 19….time to move out with that kind of disregard for your finances. They’re an adult now. If moving out isn’t an option. Exclude them from your policy, take all the keys away from them and let them figure it out on their own.
At this point as a parent you are complacent in their bad driving habits. If you allow it to continue and they end up killing someone that is on you for not taking the necessary steps to ensure they learn how to drive, or taking away their means of having a car. The mere thought of you titling a car in their name is disgusting. How can you sit back as a parent and just continue to enable your child’s bad driving habits. That would be awful parenting.
Get teen on own policy. Exclude from yours
Yikes in mass that’s loss of license per the state. 3 moving violations in a 12 month period (tickets or at fault accidents) they take it away and you have to do driver retraining
All household members need to be listed on the insurance given that they have access to the vehicles. You could exclude if possible which would isolate them from you but that only helps you and not the teen. Sounds like they’ll be either taking public transport, walking, or hitching a ride if they need to go somewhere.
I normally do not comment this harshly but..
>. I’m willing to title one of the cars in their name if it would isolate my liability and rates from the teens.
1. They are an adult not a teen
2. Why are you enabling them? Not only should they not be driving but going above and beyond to support them to continue to do so is crazy. They might kill someone or themselves.
They’re 19 years old. Time to grow up. If they want to drive like crap and disregard the laws then they should pay for it. This is coming from a 30 year old who was the same way (multiple reckless driving and speeding tickets). My insurance was $600 a month! I was humbled spending the next 2.5 years riding a moped rain or shine. Learned my lesson.
3 claims and 2 tickets in one year? They don’t need to be driving lmfao gtfo off the road
They’re an adult, kick them off your insurance. They need to learn the hard way to start driving better. When I turned 18 my mom handed me the phone and told me to call her insurance company and get my own policy.
Auto adjuster here
What type of claims did you have
Minor fender benders or major crashes with injury also reported
And yeah the two tickets was one at least able to do traffic school to remove one from being a moving violation?
3 claims and 2 tickets and you still are handing them the keys.. you ARE a HUGE part of the problem.
Sounds like a take away the car situation.
If they do not learn after 1 incident… Let alone 2… But after 5 incidents. You have yourself someone either incapable of driving or not mature enough to drive yet.
Uber is the right answer here.
No need for a title to be in their name. They can just get their own insurance all by themselves. Insurance does not pay attention to title. Only Owned, leased, or financed.
I’m going to have to join in with the other commenters. Why are you enabling a clearly dangerous driver to return to the road?
You’re risking other people’s lives and potentially a significant portion of your wealth if you get sued for their actions.
I mean, you’ve just posted an admission online that you know their driving history and are going out of your way to enable them to drive.
If I were an attorney for a plaintiff I’d be dancing in the streets to find a post like this relevant to my client’s case.
Make them pay for your increased insurance rates.
You of course know that your kid should not be driving, they are clearly not mature enough for the responsibility. If have blinders on and don’t want to listen, you can give them a cheap car, liability only, title in their name and make them pay the premium. For you?, buy the biggest umbrella you can afford and hope your conscience is clear when your kid takes out himself or god forbid, someone else. Good luck
I mean, yes. You can title a vehicle in his name and then get him his own policy. If you think it’s high now, wait until it’s just him on the policy with no one to balance the risk profile. But to answer your actual question – yes, you can do that. You’ll also likely be required to list and exclude him on your own policy if he lives in your household, and in doing so he cannot EVER drive a vehicle on that policy.
I agree that $500/month in Uber is safer and cheaper. If this were my kid I would list, exclude, and make him figure it out.
You need to post in a parenting advice or how to sub. Seriously. This is entirely your fault.
They are not responsible enough to drive yet and sounds like a danger tbh.
It is clear that there is a lack of accountability in this household. I sincerely hope that driver exclusions are not permitted in OP’s state because it would be inappropriate for an adult who consistently makes poor decisions to be rewarded with a car.
I suggest selling the car and imposing meaningful consequences for their repeated negligence.
Long time insurance broker here.
The best thing to do is take him off your insurance and get him his own policy so he can feel that all his tickets have implications. He will be paying alot for his insurance and maybe that will teach him to be more responsible on the road. Feel free to send me a dm and i can look into it and maybe get you some pricing
Do not let them drive your cars, and do not provide them Uber credit. If they wanted to be reckless and drive dangerously, they can figure out how to get around.
Your teen is a danger to everyone else on the road and shouldn’t be driving
We had our 19 year old son on our policy and he managed to get 2 speeding tickets. Our insurance dropped us and we couldnt get insurance without him on our policy as he lived with us or until we showed he had separate insurance. Needless I say, I wasn’t happy. He was in process of moving out at the time and had to deal with his own insurance. I’ll report, grew up to be a sensible and very responsible young man. (Especially when he had to wait to get a promotion at his job due to his driving record. Wake up call for his actions.)
If you’re in a state that allows them to have their own policy and they want to continue to drive, they need to get a job to pay their premium AND have a *CAMERA* provided by the insurance company, which rewards safe driving and THREE, whatever you do, don’t enable them further. They had top many chances already. You’re now paying the price. It could have been tragic and been a loss of life. Take this as a lesson for all of you. Good luck
Wow, at my house, that teen would be excluded from my policy and license turned in to me. Driving is not a right. Make them take drivers ed all over again at their expense and somehow prove they are responsible enough to drive.
Be a parent, not an enabler.
Talk to an attorney and see what options are available. You are talking enabling a driver that seems unable to operate a motor vehicle within acceptable limits and you may be opening any retirement savings and real estate holdings to a potential court award if sued.
Looking at Georgia’s state auto insurance minimums, it appears to be 25/50/25. That means if he hits one single vehicle worth over $25,000.00, then you potentially are going to have to cough up the difference between the value of the other persons car less the maximum $25K your insurer pays.
Short term you need replacement coverage. That charging elephant is going to be a budget buster assuming you can find an underwriter that will take the risk. My swag is that as long as he is licensed to drive and the address on his license matches yours, you will be lucky to obtain coverage from even “The Fidelity and Mutual Indemnity Corporation of Outer Mongolia.