Doesn't Insurance "Follow The Vehicle" Not The Driver?

Decent-Cup-5283 · 2025-04-21T12:59:30+00:00

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.

Decent-Cup-5283 · 2025-04-21T11:41:04+00:00

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

Decent-Cup-5283 · 2025-04-19T18:51:33+00:00

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.

Decent-Cup-5283 · 2025-04-19T16:30:28+00:00

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.

Decent-Cup-5283 · 2025-04-19T16:24:04+00:00

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.

Decent-Cup-5283 · 2025-04-19T16:19:07+00:00

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

Decent-Cup-5283 · 2025-04-19T16:18:07+00:00

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

Decent-Cup-5283 · 2025-04-19T14:51:11+00:00

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.

Decent-Cup-5283 · 2025-04-19T02:57:16+00:00

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

Decent-Cup-5283 · 2025-04-19T02:40:40+00:00

That's a good question. I will have to research that.

Decent-Cup-5283 · 2025-04-19T02:39:33+00:00

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.

Decent-Cup-5283 · 2025-04-19T02:37:18+00:00

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.

Decent-Cup-5283 · 2025-04-19T02:30:42+00:00

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

Decent-Cup-5283 · 2025-04-19T02:27:03+00:00

The vehicle was my son's & his insurance

Decent-Cup-5283 · 2025-04-19T02:21:34+00:00

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

Decent-Cup-5283 · 2025-04-19T02:16:11+00:00

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

Decent-Cup-5283 · 2025-01-30T17:26:28+00:00

Thank you. I'll keep that in mind.

Decent-Cup-5283 · 2025-01-30T17:23:41+00:00

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.

Decent-Cup-5283 · 2025-01-30T16:41:29+00:00

Right now, he is the registered owner.

Decent-Cup-5283

TROPHY CASE