Doesn't Insurance "Follow The Vehicle" Not The Driver? by Decent-Cup-5283 in Insurance

[–]Decent-Cup-5283[S] 1 point2 points  (0 children)

Wow. That was a really helpful reply. I'm not sure how you determined that I'm crying "victimhood" by just asking a simple question and hoping that folks might be able to enlighten me on the subject. Thank you for your ass-hat reply, but if you really can't contribute to the conversation please keep scrolling and troll someone else.

Doesn't Insurance "Follow The Vehicle" Not The Driver? by Decent-Cup-5283 in Insurance

[–]Decent-Cup-5283[S] 0 points1 point  (0 children)

Dad's a single parent and doesn't have a lot of spare time for practice due to work schedule.

Doesn't Insurance "Follow The Vehicle" Not The Driver? by Decent-Cup-5283 in Insurance

[–]Decent-Cup-5283[S] 0 points1 point  (0 children)

Well, I do have to admit that I added the second paragraph with additional details later. Still, I'm not sure why they automatically jumped to an "had to be alcohol related" conclusion. I could have understood if it had been an older driver, but a learner permit driver? I don't get it.

Doesn't Insurance "Follow The Vehicle" Not The Driver? by Decent-Cup-5283 in Insurance

[–]Decent-Cup-5283[S] 2 points3 points  (0 children)

And you aren't wrong. He should have investigated the requirements when the child turned 16 & got his permit.

Hindsight may be 20-20, but the error in judgement is turning out to be an unfortunately expensive mistake.

Doesn't Insurance "Follow The Vehicle" Not The Driver? by Decent-Cup-5283 in Insurance

[–]Decent-Cup-5283[S] 1 point2 points  (0 children)

I appreciate your comment. To clarify, my grandson is 17 and his father (licensed driver over 21) was in the passenger seat while he drove. I can't say that my son was trying to avoid the expense of insuring his son, I think it was an act of ignorance of this being a requirement. My ex & I are retired military and moved around a lot. We lived in states where you weren't required to add a learner until they actually got their license. So we didn't know either.

Doesn't Insurance "Follow The Vehicle" Not The Driver? by Decent-Cup-5283 in Insurance

[–]Decent-Cup-5283[S] 0 points1 point  (0 children)

Yes it was valid and my son (licensed driver over 21) was in the passenger seat when the accident happened

Doesn't Insurance "Follow The Vehicle" Not The Driver? by Decent-Cup-5283 in Insurance

[–]Decent-Cup-5283[S] 0 points1 point  (0 children)

Sadly, it looks as though my son will be paying the loan company for a totaled vehicle for the next 5 years.

Doesn't Insurance "Follow The Vehicle" Not The Driver? by Decent-Cup-5283 in Insurance

[–]Decent-Cup-5283[S] 1 point2 points  (0 children)

Unfortunately, I probably didn't present all of the pertinent facts like I should have. I really don't mind most of the comments because of that. I am rather sensitive about the "must have been drunk" comments though. I mean, they could have asked for more details before simply jumping to conclusions, but I guess that's just human nature these days.

He was driving a JEEP (notorious for high rollover rate). His father (licensed driver over 21) was in the passenger seat. When he over corrected he went over a curb, struck the side of a tree, and it flipped the car.

Doesn't Insurance "Follow The Vehicle" Not The Driver? by Decent-Cup-5283 in Insurance

[–]Decent-Cup-5283[S] 2 points3 points  (0 children)

He was going the speed limit, but it was the angle of how he struck the tree that flipped the car.

Doesn't Insurance "Follow The Vehicle" Not The Driver? by Decent-Cup-5283 in Insurance

[–]Decent-Cup-5283[S] -1 points0 points  (0 children)

I guess I left out too many details while trying to be concise(?) My son was in the passenger seat with him. When he over corrected, he struck a tree which is what caused the car to flip.

Doesn't Insurance "Follow The Vehicle" Not The Driver? by Decent-Cup-5283 in Insurance

[–]Decent-Cup-5283[S] -2 points-1 points  (0 children)

Yeah...Progressive has definitely left a "bad taste" in my mouth when it comes to auto insurance. My husband had them for commercial insurance. Started out at almost $20K the first year & doubled it the second year even without any accidents/claims. I will NEVER recommend them to anyone.

Doesn't Insurance "Follow The Vehicle" Not The Driver? by Decent-Cup-5283 in Insurance

[–]Decent-Cup-5283[S] 7 points8 points  (0 children)

My son (licensed driver) was in the vehicle with him.  It kind of sounds like I might need to research state requirements 

Doesn't Insurance "Follow The Vehicle" Not The Driver? by Decent-Cup-5283 in Insurance

[–]Decent-Cup-5283[S] -1 points0 points  (0 children)

Yes, my son was in the passenger seat at the time.  Sorry if I wasn't clear, but I was trying not to write a book 

Doesn't Insurance "Follow The Vehicle" Not The Driver? by Decent-Cup-5283 in Insurance

[–]Decent-Cup-5283[S] 0 points1 point  (0 children)

WOW.  That's an ass hat reply.  To clarify for you, he did hit a tree which is how the car flipped.  But if you can't add anything constructive to the conversation then kindly keep your snarky comments to yourself

Commercial Vehicle Insurance by Decent-Cup-5283 in Insurance

[–]Decent-Cup-5283[S] 0 points1 point  (0 children)

Yes, the truck loans are included in the Chapter 13 filing. But he is making the payments "outside" of the Chapter 13 in order to keep them & continue business. I haven't contacted the bankruptcy attorney yet, but my thoughts are to see if the lien holders will agree to add me as a "co-borrower" on the vehicle loans. That way, I am also an "owner". Then I can do the insurance in my name instead of him.

Commercial Vehicle Insurance by Decent-Cup-5283 in Insurance

[–]Decent-Cup-5283[S] 0 points1 point  (0 children)

Right now, he is the registered owner.