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Post by Deb on Jan 26, 2012 14:26:42 GMT -5
All three of our vehicles have full coverage.
I don't let oldest drive my new vehicle, but he's free to drive Husband's and his own.
My take on collision coverage - if I were to total my car, would I have the money to replace/put a downpayment down on a new vehicle. If the answer is probably not, then carry full coverage.
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Post by someone on Jan 26, 2012 15:53:09 GMT -5
Yep I'll definitely never do that again though it wasn't my choice at the time. I also carry the maximum I can (100/300/100) because a lot of cars are worth nore than 20k. Our car now is 11 years old with body damage and we wouldn't turn most things in but we won't lower the coverages either.
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Post by mermaid on Jan 26, 2012 17:00:02 GMT -5
All 6 (SIX!!!) of the teens in the car are all grounded by their parents. I don't know that when the driver will see the light of day again. hahaha
Part of me wants to get a smaller vehicle so that H can't load the car up with teens without me knowing, then the other part of me wants her in a bigger suv so that she will have a better chance if involved in a wreck.
This was a Chevy Tahoe, I think. D said she's getting another one as soon as she can afford it. Her son now has 2 jobs to work on paying her back.
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Post by Maureen on Jan 26, 2012 17:06:46 GMT -5
I know if Texas there was some law (maybe it was a school thing?...) that as a minor driver you weren't allowed to have more than one other minor in the car unless you were going to and from school and they were your sibling. Maybe it was something they were trying to get passed. I don't remember it was too long ago but I always though it was a good idea. We lost a lot of friends along the way in accidents like that.
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Post by doublewideblues on Jan 26, 2012 17:31:16 GMT -5
In 2004 I was involved in a motorcycle accident. No one involved in the accident had insurance except for myself and I was a passenger.
We ended up meeting with three different lawyer and went forth with suing the operator of the other bike that rear ended the bike I was on. Not a single lawyer would take the case. There was nothing to gain out of it. Our only recourse was to sue my own insurance company for the uninsured motorist policy. Since we did and sicne we had two policy's = two vehicles we were able to sue both. So my experience with suing? Unless this friend is loaded and has a lot of assets I extremely doubt she has anything to worry about. Not that it makes it right, but still.
Going forward we hold HIGH (super high) uninsured motorist policies on our vehicles. There are so many who drive around with lack of insurance and it's our personal way of protecting our family. It helps that we're older now and our premium is quite minimal but I still find great comfort in having policies that are above the typical norm. I don't have time to site but I am pretty sure the number one cause of death or damn near it is motor-vehicle accidents, so it's not like it's some random dose of bad luck. It's real and it happens!
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Post by mermaid on Jan 26, 2012 17:41:33 GMT -5
Yeah, she doesn't have a pot to piss in really. In FL you can't take someone's home and you can't go after their retirement accounts. She doesn't have anything else. I hope the other dad will change his mind, it would only be out of spite if he were to sue her. The kids are friends, there's no need to be nasty. All of the other parents said they weren't going to sue and they signed a waiver. Only good thing on her side, her step dad (and he adopted her AFTER he divorced her mom) is a lawyer.
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Post by gardenwitch on Jan 26, 2012 19:18:29 GMT -5
Mermaid, just so you know, most SUV's have a higher rollover risk than a car such as a sedan.
I had a Yukon XL, the kids never drove it. It was just too much car for them to handle when they were learning.
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