Automobile Insurance question....

[z0mb13]

Originally posted by: JulesMaximus

Originally posted by: Red
Calm down moral highergrounders, I simply asked if this was legitimate for an insurance company to punish my father even though he wasn't involved. If he wants $300, he'll get it. I just want to research it first.

Sure it is. It's his policy, or weren't you aware of that fact when he signed you up? What you do affects him because you were on his policy.

It's kind of like co-signing a loan. If you default on the loan it affects his credit because he co-signed.

wow your son is very cute!

 

[Baked]

Originally posted by: Greyd
Hell yes its fair....learn to grow up and be responsible.

Word. You jacked up his insurance, take it like a man and pay your old man.

 

[Red]

Originally posted by: FoBoT
do you live with your father?
if so, even if you get your own policy/are off of his, his rates probably won't go down. they look at all drivers living in the household, figuring that they all might drive the cars on that policy (because people LIE so much these days)

Yes, still live together. Basically it worked like this. Our agent e-mailed and said the accident is causing a $900 annual surcharge. $600 goes towards my car, $300 towards my fathers. Just wondering if I remove myself from the equation, how much of that surcharge will disappear.

One thing I will bitch about is helping him on the computer. I've spent hundreds of hours helping him on his computer. Never asked for a bill. He reared me, fed me for years, lets me live in his house, and he's never asked for a bill. It's odd that all of a sudden he's like "you owe me $300." Guess it's part of growing up, huh? =)

 

[olds]

Originally posted by: z0mb13

Originally posted by: oldsmoboat

Originally posted by: z0mb13

Originally posted by: minendo

Originally posted by: z0mb13

Originally posted by: Aimster

Originally posted by: z0mb13
your father is actually asking you for $300??

He's engaged. He is a man now. No father support anymore... well that's how I see it.

IMO it doesnt matter if he is engaged or not... its only 300?? what is 300 between dad and son?

A valuable lesson.

I thought family bond is greater than 300?

I think the op should pay for his father's premium increase, but still the idea of asking money is kind of weird. I will never do that to a family member.

His father is trying to teach him a lesson about responsibility. Too bad yours never did the same.

and what makes you all knowing about me and my family?

My brother used my car and damaged it, I didnt have to ask for it, but he gave me the money. Now that is responsibility and family bond. ASking money from a family member is just lame

maybe this is an american thing, you just dont respect your family members, or maybe you value money higher than family?

I value teaching my son to be a responsible member of society above all else.

 

[z0mb13]

Originally posted by: oldsmoboat

Originally posted by: z0mb13

Originally posted by: oldsmoboat

Originally posted by: z0mb13

Originally posted by: minendo

Originally posted by: z0mb13

Originally posted by: Aimster

Originally posted by: z0mb13
your father is actually asking you for $300??

He's engaged. He is a man now. No father support anymore... well that's how I see it.

IMO it doesnt matter if he is engaged or not... its only 300?? what is 300 between dad and son?

A valuable lesson.

I thought family bond is greater than 300?

I think the op should pay for his father's premium increase, but still the idea of asking money is kind of weird. I will never do that to a family member.

His father is trying to teach him a lesson about responsibility. Too bad yours never did the same.

and what makes you all knowing about me and my family?

My brother used my car and damaged it, I didnt have to ask for it, but he gave me the money. Now that is responsibility and family bond. ASking money from a family member is just lame

maybe this is an american thing, you just dont respect your family members, or maybe you value money higher than family?

I value teaching my son to be a responsible member of society above all else.

good for you

 

[z0mb13]

Originally posted by: Red

Originally posted by: FoBoT
do you live with your father?
if so, even if you get your own policy/are off of his, his rates probably won't go down. they look at all drivers living in the household, figuring that they all might drive the cars on that policy (because people LIE so much these days)

Yes, still live together. Basically it worked like this. Our agent e-mailed and said the accident is causing a $900 annual surcharge. $600 goes towards my car, $300 towards my fathers. Just wondering if I remove myself from the equation, how much of that surcharge will disappear.

One thing I will bitch about is helping him on the computer. I've spent hundreds of hours helping him on his computer. Never asked for a bill. He reared me, fed me for years, lets me live in his house, and he's never asked for a bill. It's odd that all of a sudden he's like "you owe me $300." Guess it's part of growing up, huh? =)

this is time for you to leave. Your dad probably doesnt want you there anymore.

 

[StageLeft]

If that's still the case after leaving his policy then I guess I can see paying him the $300...kind of a dick thing to do, but then somebody has to pay it!

 

[SpunkyJones]

Originally posted by: oldsmoboat

Originally posted by: z0mb13

Originally posted by: minendo

Originally posted by: z0mb13

Originally posted by: Aimster

Originally posted by: z0mb13
your father is actually asking you for $300??

He's engaged. He is a man now. No father support anymore... well that's how I see it.

IMO it doesnt matter if he is engaged or not... its only 300?? what is 300 between dad and son?

A valuable lesson.

I thought family bond is greater than 300?

I think the op should pay for his father's premium increase, but still the idea of asking money is kind of weird. I will never do that to a family member.

His father is trying to teach him a lesson about responsibility. Too bad yours never did the same.

:thumbsup:

 

[NutBucket]

You should have just gotten your own policy. Oddly enough I went from a policy under my parents to one by myself with the same company and the rates are almost dead even, within $10/6months.

 

[z0mb13]

Originally posted by: SpunkyJones

Originally posted by: oldsmoboat

Originally posted by: z0mb13

Originally posted by: minendo

Originally posted by: z0mb13

Originally posted by: Aimster

Originally posted by: z0mb13
your father is actually asking you for $300??

He's engaged. He is a man now. No father support anymore... well that's how I see it.

IMO it doesnt matter if he is engaged or not... its only 300?? what is 300 between dad and son?

A valuable lesson.

I thought family bond is greater than 300?

I think the op should pay for his father's premium increase, but still the idea of asking money is kind of weird. I will never do that to a family member.

His father is trying to teach him a lesson about responsibility. Too bad yours never did the same.

:thumbsup:

wow this is getting out of hand, where did I say that the OP should NOT pay his father? the op should pay his father, but what I am questioning is why his father even ASK for a friggin 300 from his SON.

I guess this is a culture thing, personally I would NEVER ask any family member for money even if I deserve it. I dont think I will ever see the day when my parents ask me for money for stuff like these... I will definitely give them money if it is my mistake, but asking a family member for money is just low IMO.

 

[bernse]

Originally posted by: z0mb13

Originally posted by: Red

Originally posted by: FoBoT
do you live with your father?
if so, even if you get your own policy/are off of his, his rates probably won't go down. they look at all drivers living in the household, figuring that they all might drive the cars on that policy (because people LIE so much these days)

Yes, still live together. Basically it worked like this. Our agent e-mailed and said the accident is causing a $900 annual surcharge. $600 goes towards my car, $300 towards my fathers. Just wondering if I remove myself from the equation, how much of that surcharge will disappear.

One thing I will bitch about is helping him on the computer. I've spent hundreds of hours helping him on his computer. Never asked for a bill. He reared me, fed me for years, lets me live in his house, and he's never asked for a bill. It's odd that all of a sudden he's like "you owe me $300." Guess it's part of growing up, huh? =)

this is time for you to leave. Your dad probably doesnt want you there anymore.

As said, if you leave his rate will go down. Because you're a licensed driver under the same roof that has had an accident, anyones insurance in that household will go up.

Time to grow up and move out, son.

 

[iamwiz82]

Jesus, fscking christ, you are still on Daddy's policy?! This goes along with the idiots in the thread about living with your parents. No wonder most 20 somethings have no clue about the real world and responsibility. :| STOP SUCKLING!

 

[Buck Armstrong]

Originally posted by: z0mb13

Originally posted by: oldsmoboat

Originally posted by: z0mb13

Originally posted by: minendo

Originally posted by: z0mb13

Originally posted by: Aimster

Originally posted by: z0mb13
your father is actually asking you for $300??

He's engaged. He is a man now. No father support anymore... well that's how I see it.

IMO it doesnt matter if he is engaged or not... its only 300?? what is 300 between dad and son?

A valuable lesson.

I thought family bond is greater than 300?

I think the op should pay for his father's premium increase, but still the idea of asking money is kind of weird. I will never do that to a family member.

His father is trying to teach him a lesson about responsibility. Too bad yours never did the same.

and what makes you all knowing about me and my family?

My brother used my car and damaged it, I didnt have to ask for it, but he gave me the money. Now that is responsibility and family bond. ASking money from a family member is just lame

maybe this is an american thing, you just dont respect your family members, or maybe you value money higher than family?

What the fvck does this conversation have to do with being American?

You're having a petty disagreement about car insurance on an internet forum. And somehow you find room to insert an incredibly retarded sweeping generalization about millions of people from a country other than your own? So basically, unable to think of any other retort to the previous post, you resorted to simple bigotry. Doesn't that make you the foreign equivalent of a redneck?

I value my family just fine, which is exactly why I'd pay them back the money that MY ACTIONS cost them. If I were like you, I'd ask, "Do you have something called "responsibility" in your primitive country, or do you all just take advantage of your relatives?"

 

[PlatinumGold]

Originally posted by: minendo
Sounds fair to me.

 

[iamwiz82]

Originally posted by: z0mb13

Originally posted by: SpunkyJones

Originally posted by: oldsmoboat

Originally posted by: z0mb13

Originally posted by: minendo

Originally posted by: z0mb13

Originally posted by: Aimster

Originally posted by: z0mb13
your father is actually asking you for $300??

He's engaged. He is a man now. No father support anymore... well that's how I see it.

IMO it doesnt matter if he is engaged or not... its only 300?? what is 300 between dad and son?

A valuable lesson.

I thought family bond is greater than 300?

I think the op should pay for his father's premium increase, but still the idea of asking money is kind of weird. I will never do that to a family member.

His father is trying to teach him a lesson about responsibility. Too bad yours never did the same.

:thumbsup:

wow this is getting out of hand, where did I say that the OP should NOT pay his father? the op should pay his father, but what I am questioning is why his father even ASK for a friggin 300 from his SON.

I guess this is a culture thing, personally I would NEVER ask any family member for money even if I deserve it. I dont think I will ever see the day when my parents ask me for money for stuff like these... I will definitely give them money if it is my mistake, but asking a family member for money is just low IMO.

How is it "low"? Someone has to teach him, and better it is his father than a collections agency

 

[imthebadguy]

no....what kinda father makes their kids pay him, my parents would never ask for a cent from me no matter what the situation.....which isnt to say that i wouldnt pay them if i felt responsible, but still......

 

[iamwiz82]

Originally posted by: imthebadguy
no....what kinda father makes their kids pay him, my parents would never ask for a cent from me no matter what the situation.....which isnt to say that i wouldnt pay them if i felt responsible, but still......

I think it has already been established that your family is pretty much tool central. 😉

 

[z0mb13]

Originally posted by: Buck Armstrong

Originally posted by: z0mb13

Originally posted by: oldsmoboat

Originally posted by: z0mb13

Originally posted by: minendo

Originally posted by: z0mb13

Originally posted by: Aimster

Originally posted by: z0mb13
your father is actually asking you for $300??

He's engaged. He is a man now. No father support anymore... well that's how I see it.

IMO it doesnt matter if he is engaged or not... its only 300?? what is 300 between dad and son?

A valuable lesson.

I thought family bond is greater than 300?

I think the op should pay for his father's premium increase, but still the idea of asking money is kind of weird. I will never do that to a family member.

His father is trying to teach him a lesson about responsibility. Too bad yours never did the same.

and what makes you all knowing about me and my family?

My brother used my car and damaged it, I didnt have to ask for it, but he gave me the money. Now that is responsibility and family bond. ASking money from a family member is just lame

maybe this is an american thing, you just dont respect your family members, or maybe you value money higher than family?

What the fvck does this conversation have to do with being American?

You're having a petty disagreement about car insurance on an internet forum. And somehow you find room to insert an incredibly retarded sweeping generalization about millions of people from a country other than your own? So basically, unable to think of any other retort to the previous post, you resorted to simple bigotry. Doesn't that make you the foreign equivalent of a redneck?

I value my family just fine, which is exactly why I'd pay them back the money that MY ACTIONS cost them. If I were like you, I'd ask, "Do you have something called "responsibility" in your primitive country, or do you all just take advantage of your relatives?"

I thought generalization was fair game, after this quote from oldsmoboat:

His father is trying to teach him a lesson about responsibility. Too bad yours never did the same

 

[z0mb13]

Originally posted by: imthebadguy
no....what kinda father makes their kids pay him, my parents would never ask for a cent from me no matter what the situation.....which isnt to say that i wouldnt pay them if i felt responsible, but still......

I bet you are asian as well

 

[imthebadguy]

Originally posted by: z0mb13

Originally posted by: imthebadguy
no....what kinda father makes their kids pay him, my parents would never ask for a cent from me no matter what the situation.....which isnt to say that i wouldnt pay them if i felt responsible, but still......

I bet you are asian as well

Kinda, Indian, but still.....i guess our family values are just different. We never ask family for money or expect to be paid back for anything. whats mine is theirs and whats theirs is mine, imo its better than what you guys have got goin

 

[z0mb13]

Originally posted by: imthebadguy

Originally posted by: z0mb13

Originally posted by: imthebadguy
no....what kinda father makes their kids pay him, my parents would never ask for a cent from me no matter what the situation.....which isnt to say that i wouldnt pay them if i felt responsible, but still......

I bet you are asian as well

Kinda, Indian, but still.....i guess our family values are just different. We never ask family for money or expect to be paid back for anything. whats mine is theirs and whats theirs is mine, imo its better than what you guys have got goin

yep, exactly the same thing at my family

 

[AaronB]

Something that might not have been mentioned is that insurance companies generally increase the parents premiums if their licensed children live in the same residence because statistically speaking the parents will let them drive their vehicles even if they aren't listed as an insured driver. In other words the insurance companies don't let the parents off the hook just because they take their kids off the policy.

 

[FoBoT]

Originally posted by: AaronB
Something that might not have been mentioned is that insurance companies generally increase the parents premiums if their licensed children live in the same residence because statistically speaking the parents will let them drive their vehicles even if they aren't listed as an insured driver. In other words the insurance companies don't let the parents off the hook just because they take their kids off the policy.

see? that is what i said up ^ there

 

[slick230]

Originally posted by: FoBoT

Originally posted by: AaronB
Something that might not have been mentioned is that insurance companies generally increase the parents premiums if their licensed children live in the same residence because statistically speaking the parents will let them drive their vehicles even if they aren't listed as an insured driver. In other words the insurance companies don't let the parents off the hook just because they take their kids off the policy.

see? that is what i said up ^ there

In which case the OP should grow up and get the fvck out on his own and stop sponging off his parents.

 

[AaronB]

Originally posted by: FoBoT

Originally posted by: AaronB
Something that might not have been mentioned is that insurance companies generally increase the parents premiums if their licensed children live in the same residence because statistically speaking the parents will let them drive their vehicles even if they aren't listed as an insured driver. In other words the insurance companies don't let the parents off the hook just because they take their kids off the policy.

see? that is what i said up ^ there

I said it better. 😉