Best Car Insurance For Young Drivers

Questions and Answers

Your Questions About New Driver Car Insurance Advice

April 25, 2013

Laura asks…

What are my rights while living in my parents house as an adult in illinois?

I am 18 years old, and I live in my parents home in Illinois. I would like to know what my legal rights are as an adult but still living under my parents roof. I do not pay rent, however I do pay for my phone bill and car insurance. So I have a few questions about a few things that happened the other night. i left my house to go to a friends. Shortly after i got a call from my mother saying “you shouldn’t of left your computer logged on” in turns out that they used my auto generator on my computer to log onto my facebook account. they then told me that they read all my messages in my inbox. I understand that it is still there house and there computer even though i am the only user, but is there any violation of privacy here? while coming home i got a call from my mother again saying ” we are going to report your car stolen if you don’t come home now” please keep in mind that i do pay the car insurance, however the title is is my fathers name. I then went to the police station to seek advice. The officer told me that it could not be reported stolen, becuase I have driven it before and i am registered on the vehicle, so instead she said it would be classified as “taken without owners consent” i also asked her about my parents opening my mail with my name on it and my name only and she did say that was illegal. I then arrived home to find two police officers at my house. I was told to step outside i was wearing shorts a short sleeve shirt and socks only and the wind chill was 5 degrees. The officer then became very verbally abusive to me saying ” listen you little FU***** smart a** if your parents want to report your car stolen then we will find you and take you out at gun point becuase it is a felony stop” i then told him about my parents opening my mail and he said ” then take it up with the FBI you little sh**” as i procceded to talk to him he then said ” i’m not listening to you so you can just shut the he** up” after about half an hour of waiting on my front porch in 5 degree weather, the other officer came out and then put his finger against my chest and said ” you can either do what your parents say or you can leave” did any of these officers do anything ilegal? also which officer do i believe about the car? so theres my rundown of what happened. my main questions are
1.what are my legal rights as an adult living in my parents home?
2. which officer is right about the car issue?
3 did the police do anything illegal? if so what can i do about it?
4. what are my privacy rights as far as the message reading on my facebook account goes?
5. what can i do about the mail issue?
answers to these questions as in depth as possible would be greatly appreciated. also please give sources especially if you are a police officer or lawer. Thanks for your time!
Janet- actually no stolen and taken without owners consent are actually two DIFFERENT things in the state of illinois. please actually have knowledge of my states laws before you answer. I already know the differnce in the two. I would just just like to know which one would be correct in this situation.

Administrator answers:

1. You have the right to move out of your parents’ home. If you are being supported by them (which you are), then you have the right to obey their rules or they have the right to evict you. They are your parents, not your landlords. They don’t have to respect your privacy. When you are living like an independent adult, you will have the right to be treated as an independent adult.

2. As the car is in your father’s name and was presumably acquired for you before you turned 18, it is the legal property of your father. Your father has the legal right to withdraw his consent for you to drive the vehicle anytime he likes. If your father reports the vehicle stolen and does not disclose that you have been an authorized driver, you had better believe you could find yourself on the receiving end of a felony stop for auto theft. The fact you might eventually “only” be charged and convicted with Taking a Motor Vehicle W/O Permission isn’t going to give you warm fuzzies after the fact. And the fact that you pay the insurance does not give you any ownership interest in the vehicle whatsoever.

3. The police did nothing illegal. They were irritated over being required to waste their time dealing with an 18 year old who is living as a dependent child but wants the privileges of an adult.

4. You have none. If you don’t want people reading your stuff, log off on your computer. You would face the same issues with roommates or significant others. You don’t have a “right of privacy” over your computer. Secure it properly.

5. Get a P.O. Box and have your mail delivered to that address. Technically your parents aren’t supposed to open your mail, but you have already experienced how much sympathy you are going to get from the criminal justice system. And if you try to get obnoxious about this, they are going to kick you out.

6. I am a former federal law enforcement officer. I am a licensed and practicing lawyer. I am married to a state law enforcement officer. And I have children. And you had better believe my children will understand that when they turn 18 they don’t get the privileges of being an adult until they have assumed the responsibilities of being an adult.

You aren’t entitled to be supported simply because you exist anymore. You have fewer rights at 18 than you did at 17. You are lucky your parents only called the police. They are apparently trying to give you a reality check because they love you and want to continue to support you. My spouse and I probably would have given you a notice to vacate . . . And you would not be taking the car or any of the furniture from your room.

Linda asks…

Can I get my car repaired by the other insurance company if I’m at fault?

I was in the left turning lane, already pulled out into the intersection, waiting to turn. There was one car left in the far right lane in the opposite side of traffic, and they slowed and put on their right blinker. I proceeded to make the left turn, assuming they would go right, but apparently they changed their mind and kept straight.

Since I was going left, I’m told I’m automatically at fault. If that’s the case, is there any way I could get the other driver‘s insurance to pay for my damage, or does my word mean nothing and I’m just out of luck.

Thanks for any advice.

Administrator answers:

As your at fault your insurance will pay to repair the other party’s vehicle and yours if you have comprehensive coverage, if only liability coverage then you will have to pay out of pocket to repair your own vehicle, the other party’s insurance company will not even be involved, and no your word is worth nothing, at fault is at fault, so your out of luck.

Richard asks…

I am driving down the freeway when suddenly the vehicle on my right loses its ladder.?

The ladder crashes on my hood and i lose control of my vehicle and slam into the concrete barrier. I am fine, but the car is damaged. My question is, is the other drivers insurance liable even though its the ladder and not his vehicle that caused the damage? I don’t have full coverage, so i cant file with my ins. Please advice.

Administrator answers:

Yes the other driver is liable – I hope they stopped and gave you their information. Good luck!

Mary asks…

Can I get some advice about car insurance?

My and my wife are both insured on our car (Fully Comp.) and we are now about to get another car due to our work situation. Would the following method be the most cost-effective way for us both to be covered ?

1) For me to be fully insured for one car and my wife fully insured for the other, allowing us both to drive each other’s car if necessary ?

I am currently the registered keeper of our current car and I am the policy holder for it as well. I would be driving the new one when I get it and my wife would take over driving the current one.

Thanks in advance

Administrator answers:

You need to be insured as the main driver on the car you mainly drive so when you get the new one change your current insurance for both of you onto the new car.
Send off the V5C to the DVLA to make your wife the keeper of the old car and take out a new policy on that with you as a named second driver. You would not get a NCB for that so try to use your existing insurer who may give a second car discount.

DO NOT assume that you can just be fully comp on one with wife fully comp on the other and assume that the driving cars not owned by you are covered third party clause applies for the following reasons -
1 – It is not automatically included in fully comp policies now
2 – Even when it is, they often specifically exclude cars belonging to a spouse
3- some insurers insist that a car owned by a married couple is joint property anyway making it owned by you.
4. You don’t really want to be driving each others cars TP only do you?

Sandy asks…

What are some questions to ask your first boyfriend?

So i have my first boyfriend..and its kinda crazy how much we have in common. but yet we are so diffent haha. we kind fit together extreamly well haha. but I need to know some quesitons to ask him before anything goes any further. any advice?

Administrator answers:

Peachy Perfect has listed some excellent questions. I would suggest the following practical questions scattered among Peachy’s list:
1. How many sexual partners have you had?
2. Have you ever had unsafe sex?
3. Have you been tested for HIV and if so when and what was the result?
4. Would you be prepared to take the test again before having sex with me?
5. Do you have a job?
6. Are you a violent psycho?
7. Did you go to school / university.
8. Can you read and write English language?
9. Do you have any female friends?
10. Do you have a car and if yes can you afford the fuel, maintenance, insurance, registration?
11. Do you have a driver’s licence?
12. Do you have a criminal record?
13. Do you have any money or will I have to pay everything?
14. Are you known to the police?
15. Do you take or use illegal drugs?

Lisa asks…

Driving through Mexico and Central America?

In a couple years I’m planning to take a road trip from the states through Mexico and possibly further through Central America. What tips do you have for this journey? I’ve heard that the private toll roads are generally better. Is this the case? Also what areas should I avoid and could I drive into Guatemala and El Salvador? I have an 08′ Ford Taurus, so will I need a more rugged car or are there decent roads once I get further down there? I also speak Spanish so that won’t be a problem.

Administrator answers:

My wife, and I drive to our condo in Cancun every year since I retired in ’95. We live on long Island, and leave the house every year on 12/1. It normally takes six days door to door. Those six days also include two days we stay on the Texas side of the border in order for the Dodge dealer to check the brakes, change the oils, and filters, and any other maintenance that has to be done. The distance from Long Island to Cancun is 3,500 miles. It’s 2,000 miles from Long Island to the Texas/Mexican boarder, and 1,500 miles from the boarder to Cancun (depending on the route you take.) Another way of looking at it is it normally takes two overnights to get from the boarder to Cancun. We leave Cancun around the first of March, and head further south and stop for a night or two in small towns as we get close to the Central American/Mexican border (the Central American border is only four hours from Cancun.) We always cross into Belize, because of the good roads, and it’s the only English speaking country in Central America, and then into Guatemala. If the political situation isn’t too bad in Honduras, El Salvador, and Nicaragua we may get as far south as Costa Rica, or even Panama. Sometime around the end of March we come out of Central America, and stop in Palenque Mexico for a few days before driving out of Mexico, and on to Florida to visit relatives. We’ll stay in Florida till it warms-up on Long Island before heading home. On a trip I just described we’ll put ten thousand miles on the truck. If, however, we decide to go to Carbo San Lucas before continuing on to Cancun we’ll easily put twelve to fourteen thousand miles on the truck. We normally get home sometime around the second week in April.

You didn’t say where you’re starting from, but the roads on the west coast of Mexico are much better than the roads I take that border the Gulf of Mexico. The roughest road is the road that cuts thru the mountains in central Mexico (truly horrible.) The road out of Tampico to Vera Cruz is only 120 miles long, or so, but it can take up to seven hours to drive that stretch. As rough as that portion of the road is that’s how beautiful it is. Small towns and villages dot the mountain road all along the way. After you get thru the mountains most of the roads from that point are highway roads, but not all. Be prepared to spend about $150.00 usd, or more for tolls in Mexico.

Guatemala, and all points south of Guatemala the roads get worse – a lot worse, especially during the rainy season. I wouldn’t advise driving thru these countries without a four wheel drive vehicle, or a VW beetle (you can still find them throughout Mexico.)

Your American car insurance isn’t any good in Mexico. You’ll have to get Mexican insurance before you cross the border, and you shouldn’t drive at night. The highways are safe. There are no bandito’s lurking behind every bush and tree. The people you will meet along the way are friendly, and helpful. What makes the highways dangerous at night is the wandering of farm animals, kids riding bikes at 2:00 am, old men carting wheel barrels full of fire wood at all hours of the night, and dozens of other things we would take for granted that would not be on the highways at night. Even truck drivers don’t drive at night in Mexico. A word, or two about driving in Mexico – always expect the unexpected – take nothing for granted.

There are three things I’ll offer as advice: 1) never drive at night 2) Mexico driving insurance is strongly recommended and 3) Never assume the road is safe – even on a highway – never take anything for granted.

There are tons of Mexican insurance companies that will insure your vehicle, choose anyone you want. We use a company called “Sanborns.” Google them.

George asks…

How can I title and tag a 74 in Kansas?

My moms boyfriend bought a 1974 Dodge Charger and pretty much gave it to me because of a promise. So I have it in the garage and its mine. But the title to the Charger can’t be found anywhere. It was given to my moms boyfriend but he doesn’t remember where he put it. He can be very difficult at times because he’s owned tons of classic muscles and he hasn’t had one in awhile. He is also a cheap ass when it comes to doing things. He envisioned that we would antique it but after we painted and redid the interior. Like I said he’s a cheap ass because antiquing it will make it to where we don’t have to pay taxes on it or whatever. But I think he is trying to wait as long as possible until I have it half ass restored and antique it. I am a 17yr old Junior in high school and ride the bus, don’t have a job, but I do have access to a car without insurance and in order to get a job I need to go 20 miles. What can I do to get a title and tag? Please!! I need advice… I also would’ve had to tag my car 30 miles away if I had the title. Insurance isn’t the problem, we have it now but without a job I can’t help out. My mom used to work but now she can’t because she was starting to gain weight and my moms boyfriend does odd jobs but might be working as a lineman for an electric company. Its good pay but I don’t know what to do!?!?

Administrator answers:

I feel you, im 17 and i restore mustangs, to title the car to you, You need a bill of sale signed by you and your moms boyfriend, with the vin of the car on it(if he writes it as a gift to you. You wont have to pay the bluebook tax on it) then you need to go to the rmv and apply for the title, if approved, you pay $75 and theyll send you the title in about 6weeks or so. As far as registering it, you need to be 18 to register a car in MA(where i live) and 20 to insure it on your own, so you mom will have to take care of that. If i were you, i would get another car for a daily driver and work on the charger through college, then once you have a job, start putting the money in it. Trust me, you will save alot of money! Good luck man.

James asks…

How do I convince my parents to let me date?

I’m a freshmen, I’ve never asked them about it, but I wanna! And my school is real far away from where I live, so I cant invite the boy over for dinner or stuff like that so my parents to meet him!

Administrator answers:

Hi Rexi,

How do you convince your parents to let you start dating? Well, you need to be consistently acting mature in your statements, deeds, and actions. Demonstrate on a daily basis that you can be trusted, and try to discuss dating issues with both of your parents in a rational manner.

Are your parents a bit over-protective of you? Perhaps. However, have you looked at some of the questions in this category detailing what other young girls on this board are doing? They’re unsupervised, acting like sl*ts, having sex, and putting themselves at risk for all sorts of problems. Your parents are not idiots… they probably want to keep an eye on you for as long as possible.

Regarding parental restrictions,… When you were 5, would your parents have allowed you to play in the street unsupervised just because you wanted to? No? Gee, why not?

It’s up to both of your parents to decide the dating issue as long as you’re under 18. It doesn’t matter what you, your friends, or anyone on this board thinks. Your parents are 100% responsible for taking care of you, feeding you, housing you, protecting you, and they pay all of the bills. They get to decide all of the rules… Including when you can date.

Period. Case closed.

When you are 18, then you will be a legal adult. If you don’t like your parent’s rules, then you can get a job, move out, and pay all of the bills yourself (schooling, rent, taxes, food, clothing, car & car repairs, car insurance, gasoline, health insurance, dental, utilities, phone, cable, movies, dating, music, shampoo, make-up…).

But since you are interested in dating issues right now, let’s discuss those issues… Plus a few more.

Rexi, it’s certainly OK for you to ask questions about why things need to be a certain way. Your question about dating is completely healthy and normal, and so is your desire to date.

However, consider this: Do you think that kids at age 11 should be allowed to drive a car on the public roads with the rest of the adults? Just because they claim to be mature and want to drive? No, me either. Driving a car is very dangerous, and it requires responsibility and good judgment. The DMV gets to decide how old a person must be to get a driver’s license.

Just like driving a car, dating is also an adult activity. It requires responsibility and good judgment. So, your parents get to decide when you can start dating. Sorry!

However, all hope is not lost. On a quiet evening, start talking to your Mom or Dad. They should be reasonably able to discuss boys and dating if you don’t start off by “butting heads”.

Since you wanted some advice, here are some examples of both good and bad methods of communicating with your parents…

“Hey… Bee, Cee, and Dee are already dating and kissing. I wanna date too!!”
“I’m mature enough to date!!!”
“Stop treating me like a baby!!!”
Then stamp your feet, storm off to your room, slam the door, and pout for several hours.

“Dad, can you tell me about how you and Mom first met? What did you do on your first date?”
“Maybe it’s good that I’m not dating yet. Dee was in tears last week about her BF… he’s acting like a creep. Mom, how can I spot a creep?”
“At what age were you allowed to date, Mom?”
“My plan is to save myself for marriage, and the other girls laughed at me. But won’t saving myself for marriage be a good way to weed out the jerks and losers, Mom?”
“A senior girl said I won’t be able to keep a guy interested without sex. I don’t believe her, because no decent guys will date her… only creeps ask her out. I only wanna date decent guys, Dad.”
“Hey Mom… when do you think I can go on my first date? You can meet whoever the guy is before we go out.”
Listen to your parent’s input. Don’t respond immediately to their comments… sit there for a few seconds and then say “Wow, that’s good… thanks!”

Your parents know that there are some guys out there (the smooth players) who will tell a nice girl that he loves her, just to see how far she will let him go with her body. Guys out there who are ready and willing to use you and your body for their own selfish pleasure… And then leave… Breaking your heart in the process, and possibly leaving you pregnant… Or with an STD (a nasty disease in your private parts). Your parents want to make sure that you are old enough and mature enough when dating to recognize these losers, and say “No”.

Your parents also know that you could meet a nice guy and you both really do think that you love each other, and after a few weeks or months you both might be tempted to take off your clothes together… And perhaps have sex. That would be a good way to mess up both of your young lives. Your parents want to make sure that you are old enough to resist this type of temptation… And the temptation can be very strong.

Your parents know that having sex when you are not married is simply wrong. They know that having sex too early will make you feel sad, cheap, and make it less special.

Take a quick look at a random selection of the questions from girls in this category… A significant number of problems here directly involve premarital sex… Coupled with immaturity, foolish expectations, and invalid assumptions.

Your parents realize that unless a young girl and her Romeo already know each other pretty well, the typical proclamations of “commitment” made in the darkness when a they are first alone together are generally worthless. Will you be wary of those proclamations? Commitments need to last more than one evening and be proclaimed publicly, in front of family and friends… Not in the darkness right after their first kiss (although any proclamation made by a player is automatically invalid regardless of where or when it is made).

Rexi… Crushes/love/kissing/sex are wonderful intimate expressions that can all be compared to fire.

Both intimacy and fire can be dangerous if used improperly. Your parents are old enough to use fire safely (such as an outdoor BBQ gas grill), and they are also old enough to handle intimacy properly.

Just like you are not allowed to play with fire… You and some Romeo should not be seriously dating or intimately kissing too young… Because that type of intimacy naturally leads to sex.

When used improperly, fire can cause serious damage. Intimacy, when used improperly, can also cause serious damage… Such as heartache, pregnancy, and STD’s.

Your parents don’t want you to get burned, Rexi.

Always call the Fire Department (your parents) for assistance if a problem with fire (intimacy) develops… No matter how small the problem might appear to be. Small problems can quickly become large problems if they are not handled properly.

Your parents want you to date nice guys who will treat you with dignity and respect while you are having innocent fun together during your youth. Honorable guys who would not ask you to do anything inappropriate.

Long term, your parents want you to find a special guy who will be honorable and be very good to you as you grow into a decent young woman. A guy who will be proud to take you home to meet his parents and his family. A guy who earned the respect of your parents and family. A guy who will ask for your hand in marriage. A guy who is honorable and is willing to stand together with you in a wedding ceremony before both of your families in church.

Rexi, you don’t want a guy who is not honorable and just wants your body… For a while… And then he would be gone. That is much more likely to happen if a girl starts dating too early.

And, you do not need to rush things. Enjoy your youth. Don’t worry if your friends are all “hooking up”… You don’t need to do any of that nonsense. Your friends have probably already experienced severe heartache and shed bucketloads of tears… problems that you have avoided thus far.

Your parents know that you will be really happy when you are older, and you look back over your life… Happy that you made the right decisions about these issues when you were young… Because you were mature enough to make the right decisions.

If your parents can genuinely see that you’re mature and have an excellent set of values (they won’t really know what your feelings and values are unless you have an honest discussion), then they might ease up a bit on the dating restrictions.

That’s pretty much the big picture that your parents are probably looking at here, Rexi. Can you see the dating issue a little bit from your parent’s perspective now?

If so, go and give both of your parents a big hug. Thank them for caring enough about you to set limits.

Take care and God bless.

Best wishes,
- Charlie

P.S. – Dr. Laura on the radio detailed a very simple instruction manual consisting of four words that will greatly increase the chances of finding and keeping a good BF/husband:

“Choose wisely… treat kindly”.

Both items are necessary for a happy and healthy relationship:
1. Choosing a nice decent guy is great, but if you treat him like crap… sooner or later, he’ll leave you.
2. It won’t matter how nicely you treat a creep… he’ll always be a creep.


Chris asks…

We were just in a no fault car accident and we’re uninsured?

How should we proceed? Our Insurance has been canceled and we were just hit by another driver while driving. I have heard that you have less of a claim when you’re uninsured even if you’re not at fault, but I just wanted to get some advice… Can anyone help?

Administrator answers:

As long as you were not at fault the other company will have to pay for your vehicle damages. Many people will say that you can’t make a claim since you were uninsured. I have not run a cross a state yet where you can’t get paid for car damages because you were uninsured. If you haven’t already done so contact the other drivers insurance company and tell them you want to make a claim for vehicle damages. They will tell you what kind of information and documentation you will need.

However, in some states like California you would not be allowed to collect for any injuries if you were uninsured.

I hope you bought new auto insurance.

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