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From: Susan P. (
Subject:         Re: Gripe/has anyone run into this?
Date: February 17, 2008 at 8:34 pm PST

In Reply to: Gripe/has anyone run into this? posted by Patty on January 19, 2008 at 7:39 am:

I've heard those words before. What I don't understand is can't these people do the math??? At the minimum, in our state, if your child gets their license and your insurer catches wind of it you MUST insure them. Now, don't get me wrong I am not supporting kids driving uninsured that is not my point, but if your child only wants to get their license and NOT drive you still must insure them. They can take drivers ed and get their permit they may and the parent's insurance covers it automatically.

The math I speak of is this and you probably already know is minimum wage barely covers insurance, fuel, and maybe an ole jalopy (never mind repair expenses). I know because we told our son if he wants a car he must pay for it, so he got a job, we insured him til eighteen, and he bought a car. He went to work to get money to pay for the car and used the car to go to work to get the money to pay for the car. It didn't take him long to figure out it was a merry-go-round that took him nowhere. He had NO life, no time for his hobbies and never mind school. We agreed it was wise for him to quit his job, sell the car, and he'd ride his bike about town and to school; biking is his hobby. On bad weather days and when his time was tight I'd gladly chaufeur him.

Now enters our insurance; when I called to remove my son from our policy they refused siting a state law that requires ALL licensed drivers under OUR roof to be insured --> and that includes you, if you came to live with us and have a license, but no car or job.

My son is 22 years old now, still in college and works over fulltime during summer and still that isn't enough to pay for car, insurance, fuel and repairs. Money he earns now goes into conservative savings for after his graduation. He hopes to graduate w/out a student loan hanging over his head, so he might be able to afford marriage, house, and kids. Oh, and maybe a car LOL

My mil was the last to ask why dd17 hasn't gotten her license yet and I was ready for my answer based on experience with two older kids, but mil expressed her fear that she didn't want my dd17 to end up like her, an old lady that can't drive (my mil has never driven a car) and there I was speechless again on this topic.

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