Can a teen have their own car and insurance in TN? (house, wedding)

[Tony1790]

Howdy,

When I was 16 (long time ago) I had my own car and my own insurance, of course my own job as well.

My son is now 16, can I give him a car and he get his own insurance? He's already wrecked my car once and I'd like to get him off my insurance and out of my car before he does again

Thanks

Tony

[Sparkman]

Originally Posted by Tony1790

Howdy,

When I was 16 (long time ago) I had my own car and my own insurance, of course my own job as well.

My son is now 16, can I give him a car and he get his own insurance? He's already wrecked my car once and I'd like to get him off my insurance and out of my car before he does again

Thanks

Tony

Don't do it. He's a minor, so you are still responsible even if your name is not on the title. If he gets his own insurance, let's it lapse and has an accident, you could be paying dearly. Get hi a car, co-title it in both of your names and keep it on your insurance. That way you have control. I have been an insurance agent for 25 years, so I do have a bit of knowledge on this subject and have always given my clients the same advice.

[Tony1790]

Originally Posted by Sparkman

Don't do it. He's a minor, so you are still responsible even if your name is not on the title. If he gets his own insurance, let's it lapse and has an accident, you could be paying dearly. Get hi a car, co-title it in both of your names and keep it on your insurance. That way you have control. I have been an insurance agent for 25 years, so I do have a bit of knowledge on this subject and have always given my clients the same advice.

Thanks for the post, so keep him on a leash until he's 18, once he's a legal "adult" then I can cut him off, cool. I remember when I was that young, I worked 50 hours a week, went to HS, played football, kept straight A's bought my own car, kept my own insurance, etc. Of course I moved out of the house as soon as I was 18 and off to the military I went. Can't get this boy off the computer, won't get a job and is lazy as the day is long.....as always it's the parents fault, I know, I'm just outta ideas what to do. I was never a very good parent anyway.

Thanks again, I'll keep him insured, I've also got an umbrella policy, JIK.

Tony

[Grizzlybear34]

Originally Posted by Tony1790

Thanks for the post, so keep him on a leash until he's 18, once he's a legal "adult" then I can cut him off, cool. I remember when I was that young, I worked 50 hours a week, went to HS, played football, kept straight A's bought my own car, kept my own insurance, etc. Of course I moved out of the house as soon as I was 18 and off to the military I went. Can't get this boy off the computer, won't get a job and is lazy as the day is long.....as always it's the parents fault, I know, I'm just outta ideas what to do. I was never a very good parent anyway.

Thanks again, I'll keep him insured, I've also got an umbrella policy, JIK.

Tony

Tony - I know your pain... It can be a challenge raising kids these days, I keep hearing that the light will finally go on, just keep the faith. We're still waiting for that light as well - occasionally we see a flicker!

[2mares]

keep him on a leash until he's 18, once he's a legal "adult" then I can cut him off,

HAHAHAHAHA. Good luck with that. Times have changed. Kids arent in any hurry to leave home these days. My son is 24 and back home. That started out good, him working and helping me out finanically, then he was laid off in November and still cant find a regular job. He gets lazier every passing day. I should boot him out, but thats easier said than done.

[skinem]

Originally Posted by 2mares

HAHAHAHAHA. Good luck with that. Times have changed. Kids arent in any hurry to leave home these days.

I don't understand that, either. I know, some will say it's because they are so comfortable, and that's true.

I was comfortable as a kid and got along great with my family, but 33 years ago, I left home the day after I graduated high school, and never moved back.

I have two kids--daughters, 23 and 21. Both at home, although the eldest left to go out of state to college, finished and moved back home. She's been working all along. Moving out next month after her wedding.

My youngest told us years ago she's never leaving, and I'm afraid I believe her! Although, I did tell her she wouldn't be able to stand the rent...

Back to the point of the thread--Sparkman has it dead on--whether he's on his own policy and sole owner, you are legally responsible for him until he's 18. May as well keep yourself covered while you can.

[Sparkman]

Originally Posted by Tony1790

Thanks for the post, so keep him on a leash until he's 18, once he's a legal "adult" then I can cut him off, cool. I remember when I was that young, I worked 50 hours a week, went to HS, played football, kept straight A's bought my own car, kept my own insurance, etc. Of course I moved out of the house as soon as I was 18 and off to the military I went. Can't get this boy off the computer, won't get a job and is lazy as the day is long.....as always it's the parents fault, I know, I'm just outta ideas what to do. I was never a very good parent anyway.

Thanks again, I'll keep him insured, I've also got an umbrella policy, JIK.

Tony

Good move on the umbrella. Cheap way to protect yourself. Most people should have one.

[Wordy]

well, here's a thought. If he wrecked your car and it was his fault, and he doesn't seem to have learned from the experience, maybe give him a year off the driving privileges thing? You'd still have to keep insurance on him unless you made him turn back in his license.

But if he's lazy, doesn't respect your wishes, yada yada, I dunno. Rewarding him with another car and continued privileges? I'm not sure you're going to get the result you are hoping for.

Anyway, just a thought.

[Rainna]

Why in the world would you want to give him another car? If he wants a car let him work and buy it.

[hiknapster]

Yeah. What Rainna and Wordy said.