By extension, I must admit I am part of the overall problem. Permit me to explain . . .
My Honor Student teenage daughter, having received her driver's license last February, has been in four accidents in the last four months. She has been at fault in ALL of them by varying degrees. Two days ago, she totalled her '91 Ford Probe by turning left into oncoming traffic. Thankfully, no one has been injured. Yet, if you ask her, she will tell you she is a very cautious driver . . .
I have since forbidden her from getting behind the wheel of anything bigger and faster than a pedal car, out of concern for the motoring public in general and bikers in particular. Predictably, my wife and daughter do not agree with my decision . . .
Here is the kicker. My insurance agent is advising me to replace the totalled Probe with another vehicle, in order to keep her from being listed as an "occasional driver" on any of my vehicles. Otherwise, my own insurance premiums will skyrocket! Apparently, not even an oath signed in blood stating she will never be allowed to drive any of my vehicles is sufficient to dissuade the insurance companies from listing her as an "occasional driver".
While this friendly advice doesn't pass the Smell test to me, I am loathe to begin shopping other insurance carriers at this precise moment. Any suggestions?