[BraveMan]

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?

[Poohbah]

Petition the state to revoke your daughter's license.

[truthandjustice1]

"Any suggestions"

Divorce (just kidding).

[JoeSixPack1]

Create a dowery and marry her off. Move while they are on their honeymoon. Ship all her clothing and valuables to her Mother-in-law's home.

Wait one year, then buy her a new car, a new wardrobe, buy her back from the bum she married, put her back into her old room, and finally get some sleep!

<|:-)~~

[Will_Zurmacht]

I think they are telling you the truth..I once worked for auto insurance co. Our formula was to match driver to Vehicle....Worst driver to Worst rated vehicle...Higer $$$. Sounds kinda bad but it was the company way. If I were you I'd pick up an old beater car for as little as possible....and keep her banned from autos for a while.

If that doesnt work you might try shopping around for insurance, I'm no expert in this, jut telling you how a certain national auto insurance co. does a similar thing. Most folks did better by buying low points cars for family while kids were at that age.
The industry uses point systems for cars figuring in things like collision damage, theft, repairs to vehicles...surely there is a place on the net for this...if i find it i'll send it to ya..

[laotzu]

"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".

I am certain that you can specifically exclude any named driver on your auto policy.

If your agent cannot help you, I suspect it is more that he is unwilling than unable.