Texting Your Insurance
Everyone knows not to text while driving, but everyone still
does it, including and especially my 20 year old daughter.
She still lives with us, and is young enough to be included
on our insurance policy. However, the last time she bumped
someone's fender, our insurance company informed us that not
only were our rates going up, but they were changing our
policy to exclude any accident caused by negligence through
texting. Well, we were incensed, but no other insurance
company would even insure us because of the number of
accidents she had been in. We just had to grin and bear it.
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knew she wasn't going to stop
texting, not for the world, and she kind of has me wrapped
around her little finger, so it's not like I can yell at her
and tell her to stop. A lawyer friend of mine proposed a
solution - short term car insurance which will cover those
things that our regular insurance company would not. He also
recommended a few companies with much less regulation than
the larger companies. Although this at first made me
skeptical of those companies, he told me that they were just
as legitimate as the big guys, but because of their small
size, they had to open their doors to higher risk customers.
I didn't have much choice, so I checked them out.
I ended up purchasing a short term policy for my daughter to
last the summer until she went back to college, where she
would not be allowed to drive (I would not buy her a car).
Wouldn't you know it, but she rear ends someone else again
This particular person just so happened to be an off duty
police officer who scared the dickens out of my daughter by
reciting legally just how much trouble she would be in if he
was on duty. It was a lesson that would have cost me a lot
more money if not for the short term insurance policy I had
taken out on her only weeks before. Don't worry, she's a
much better driver now. And I am learning how not to fall
for her every whim!
Dan Flixton 2009