Best Car Insurance For Young Drivers

Questions and Answers

Your Questions About New Driver Car Insurance Advice

June 3, 2013

Sandy asks…

Making car insurance claim advice damages and injury ?

I live in the UK but currently away travelling . I was hit from behind in February while driving my car . I was stationary and waiting for the car in front to turn right, then hit by the car behind and bumped the car in front lightly.
My question is now I’m abroad how can I submit a claim for my vehicle damage and whiplash?
The police didn’t come to the scene but I later went to fill police report and gave details of both drivers . I also went to the hospital the day after .

Administrator answers:

Plenty of ambulance chasing solicitor firms would be more than happy to take up your case – that’s why our insurance is so bloody expensive. You can claim up to three years after the incident.

Remember you should only claim for actual losses – I assume your insurance covered the damage to the car, and as you’ve asked the question on Yahoo UK, you have no medical bills.

Carol asks…

How can you convince your parents to trust you and to let you go on dates with boys?

Okay I am in 9th grade. All my friends get to go on dates with their boyfriends. And I have been asked to go on a dates so many times this year but I always have to say no. My parents say I’m too young but I don’t see why they can’t trust me. They always tell me that I’m a good kid but they still don’t trust me. I don’t get it. Please help if you have any tips on how to convince parents.

Administrator answers:

Hi Courtney,

You probably are a good kid… But it’s not you that your parents don’t trust. It’s the teenage guys they don’t trust.

If your parents don’t want you to do any one-on-one dating yet, don’t want you to spend time alone with a guy yet, and don’t want you to do intimate kissing yet… then you’ll simply need to wait. Sorry!

How old should a young lady be to start dating? Well, 16 or 17 is typically a good age to start seriously dating and kissing… in my humble opinion.

Are your parents over-protective of you? Probably not. Have you looked at some of the questions in this category detailing what other girls on this board are doing at your age? They’re unsupervised, and acting like sl*ts, having sex, and putting themselves at risk for all sorts of problems. Lots of girls out there could use a set of good parents like yours to protect them.

Your parents are not idiots. They just want to protect you and keep an eye on you for as long as possible.

Meeting up with a secret BF without your parent’s knowledge (or sneaking out) will destroy their trust in you when they find out, so don’t go that route. Perhaps you could ask your Mom to drive you, the next guy who wants to date you, and a few friends to the Mall for an afternoon… That’s probably as close to a “date” that you’ll get.

Therefore, you’ll probably need to wait a few years to actually start dating. How do you convince your parents to let you start dating when you’re 16 or 17? By consistently acting mature in your statements, deeds, and actions. By demonstrating on a daily basis that you can be trusted.

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 else 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 + repairs + gasoline + insurance, health & dental insurance, utilities, phone, cable, movies, music, shampoo, conditioner, jewelry, make-up…).

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

Courtney, 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 have a BF.

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!

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 arguing or making demands.

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

Bad:
“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.

Good:
“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!”

You probably want your parents to evaluate your request and look at it from your point of view, correct? That’s reasonable.

So, how about if you take a serious look at the situation from their point of view? That should help you get a few bonus points for maturity, and they’re more likely to negotiate if they see that you have a clear understanding of their concerns.

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).

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.

Courtney, 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.

That’s pretty much the big picture that your parents are probably looking at here, Courtney. 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,
- 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.

.

Ken asks…

I had an accident in a car not owned by me?

I hit someone from behind and he hit the car in front of him. He had light damage to his rear bumper and buckling of his hood. I do not own the car and it apparently is not registered to my husband who is the one who provided it for me to drive. He works for a local municipality which keeps towed, unretrieved cars, and auctions them. He has informed me that although he told me his mother added it to her insurance policy(we used to live with her), such is not the case. I live in Missouri. What am I facing?

Administrator answers:

In general (and subject to change based on the language of the autopolicies involved)

- insurance follows the car. If the car is owned by your mother in law– when did she purchase it? Most policies give you 14-30 days to add a newly purchased car to your policy. So if the vehicle is a recent purchase (and she can produce bill of sale to prove it) there may be coverage under her automobile policy.

–if the car does not have insurance or does not have enough insurance, then the drivers policy can come in on an excess basis. That means – if the car is not provided for your regulare use (such as you borrowed it from your mother in law) and her policy does not cover the accident (or does not have high enough liability limits) then the auto policy you and your husband have will come in next.

If the vehicle is not provided for your regulare use, it may qualify as a non-owned auto under your policy and your collision coverage and liability coverage would come into play.

Your best bet is to turn in a claim with your mother in laws policy (as the owner of the vehicle) and your own policy. Both companies will have to do a coverage investigation and these can take time. So go ahead and get the ball rolling.

If neither of the policies provides coverage — then the other cars would get confirmation of that from your (& your mother in laws) insurance company (another reason to turn in the claims now).

The the other drivers would be able to file under their Uninsured Motorist Coverage. Their insurance companies would then come back against you for re-payment. Usually they are willing to set up an interest free payment plan with you or negotiate a lump sum payment that is less then what they had to pay their policy holders.

Hope – I did not confuse you too much. This question has the potential to be quite complex. You may want to speak to your insurance agent about the situation. (since your agent is familier with the languate in your policy).

** not legal advice **

Betty asks…

what is drivers registration, green slip? How much 4 number plates?

I’m new to cars, can someone explain to m what is car registration,green slip,number plates or anything that is important with cars such as insurance.How much does it cost 4 each and what is the most important.Also what do i also need to know about cars that is important.Sry i’m a complete newbie, so pls help.thks

Administrator answers:

Hi ill try to help.

There are many things you need to know.

Its not as simple as getting in a car and driving – trust me i had a polish guy do that on me and write my car off.

First you need a driving licence/permit. To get this you need to complete driving lessons, pass a theory/multiple choice test and then a practical test.

After you have passed your test you can get a car. The next step is to get insurance. Shop around and get the best deal. The prices are going to be high, as if you are new to driving, you will have no no claims discount. (added each year).

I cant advice on prices as driving lessons and cars vary with each instructor.

A car registration is a document that you get from the dvla with information about the car. These are free of charge, but should you lose/deface it, a duplicate will cost around £19.00

Laura asks…

Cheap car insurance for newly leased cars?

I am looking to start my own insurance with out my parents, I already consulted and figured out that I am about to lease a 2010 Honda Civic DX coupe. I am looking for the most reasonably cheap plan, any advice?

Administrator answers:

You need to call around and it depends on what state you are living in. Your lease says that you need to carry you liability bodily injury limits at 100/300/50. Depending on the state that you living in you can look at carrying lower limits of Uninsured motorist, but this usually has very little difference in your rate unless you live in NJ, NY, FL, MI, or LA. You can also look at carrying a higher detectable for comprehensive or collision, but once again chance are that this will have very little effect unless living in one of those state listed above.

If you are living at home still it will be the cheapest for you to be listed on your parents policy. Your parents insurance company will require them to keep you on their insurance policy as either a rated or excluded driver of their vehicles. You will need to do the same for your parents. Meaning they will need to be listed on your policy if you live in the same household as a rated or excluded driving.

There are some states out there that will not allow you to exclude family member that live in the same household.

Maria asks…

Just a minor speed ticket affect my insurance?

In Ontario, Canada: I got a speeding ticket for going 10 over the limit (60km/h in 50 zone), is it considered as a minor traffic violation according to insurance?

Administrator answers:

Good question on a topic where misinformation abounds.
First, in Ontario, the rating rules filed by Insurance companies vary hugely. Provincial guidelines divide all tickets into Minor, Major, and Serious. Most type of tickets fall into the Minor category, such as failing to yield, following too closely, running a red light, failure to carry insurance card etc. Your ticket is a Minor ticket, and it will have the same rating impact if you were going 49 kms over the speed limit or 5 over.
So will your ticket affect your insurance ? Difficult to say with certainty, but most likely NO.
Number of reasons:
1. Many companies use tickets to qualify – so if you had 4 minors, 1 serious, or 2 majors, you will find it hard to get insurance in the regular market. But one minor will likely not affect your rates, especially if you are a younger / new driver, as you driving record is not high enough to be dropped down. Some companies might demote you from their top driving record (called “Star Rating” informally), due to any rateable infraction, because you have to be absolutely “clean”. But to have this driving record, you usually have be licensed for 10-15 years without any accidents / tickets. Even so, many companies are moving away from this practice due to competition. Canada’s largest Car and Home insurer – ING Canada – changed its policy about 3 years ago, and a minor, or even 2 does not affect the drivers perfect record.
2. Even if your company does rate for your ticket negatively, it is unlikely that they will find out about the ticket any time soon. Insurance companies will almost NEVER pull the driver’s abstract (“MVR”) in the middle of the policy term unless you have an accident. Most companies will not pull the MVR on renewal either if your policy has been uneventful. The reason? The Ministry of Transportation charges $13 for each electronic report. Most companies’ Inforce policy count runs into the tens of thousands, if not hundreds of thousands, if they operate in just a couple of provinces. So it’s just not worth the extra premium they will generate. Many companies in Ontario simply don’t touch the file unless something happens, or you make a change to the policy of some sort. In some serious cases, the ministry will notify the insurance company, such as DUI, but you’d be in enough trouble already to worry about your rates. General advice: Don’t call your insurance company unless you have to, and ESPECIALLY NOT with “what if” scenarios, which are the leading cause of insurance companies investigating further. I have had hundreds of callers refusing to give their policy information, and asking the kind of question you have asked. Bad idea.
Finally, if you find your insurance company has raised you rates on renewal (a ticket cannot be rated for mid-term generally), shop around. You will find many companies that will pretty much ignore the ticket, unless you have an otherwise bad driving record. In fact, you should shop around at every renewal, unless you are paying very low premiums (in general well under $200 in Toronto area, and around $100 in other areas, Ottawa being one of the lowest in Ontario).

One other thing:
If your driving record is perfect or near perfect (that means 6-star with most companies, 7,9,10 for others) – purchase the driving protector endorsement offered by most companies (about $60/year) – this is the best upgrade you can get for your policy. If you then have an accident for which you are At-Fault, you will maintain your driving record. This can save you thousands of dollars in the 6-10 years that it will otherwise take you to build your rating back.

Mary asks…

I am illegal alien in Washington state. How do I get drivers license?

Hi. I am an undocumented worker in Washingtoin State. I have no criminal record and am a decent hard worker just trying to make a living but I do not have a drivers license. Can anyone give any friendly advice on if it is possible to get a drivers license in Washington state so I can buy a car and get proper insurance?

Administrator answers:

Go back to your country of origin and apply there. It is quite easy when you are a legal citizen.

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