Re: classic car insurance and teenage drivers, what did you do?
[Re: Andrewh]
#3084506
10/09/22 11:18 AM
10/09/22 11:18 AM
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Joined: Dec 2006
Posts: 2,116 Byron, NY
W.I.N. Racing
top fuel
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top fuel
Joined: Dec 2006
Posts: 2,116
Byron, NY
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or did you just not let your kid drive it?
'01 P1500, Blown/Inj BAE,/Veney ,Bruno/CS2,Dana 60 '01 Dodge 3500 S Cummins Auto, Fresh air kit, 4" Exhaust, '05 Dodge Magnum R/T - Too Much to list '60 Willys CJ5 '01 International LPX - Project,DT466, Allison '64 Plymouth Valiant, Inj 528 Hemi, 2spd
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Re: classic car insurance and teenage drivers, what did you do?
[Re: Andrewh]
#3084513
10/09/22 11:34 AM
10/09/22 11:34 AM
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Joined: Dec 2007
Posts: 19,968 Puttin' on the foil in Charles...
not_a_charger
Mr. Big Shot Moparts Moderator
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Mr. Big Shot Moparts Moderator
Joined: Dec 2007
Posts: 19,968
Puttin' on the foil in Charles...
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did you just carry a second policy? or is that even allowed? Yes, that's allowed. You'll end up with less than ideal coverage for the car itself, but it's better than nothing. The collector car insurer would deny coverage (both collision and liability) if you allowed an underage driver to drive the vehicle and there was an accident, even if it was the other person's fault. The regular insurer would need a copy of the coverage denial letter the collector car insurer would send to you and the underage driver. Once they had that, they'd handle your claim like normal. That process can take a bit, so it may inconvenience you, but worse, it may add to the inconvenience of the other driver if your driver was at fault. or did you just not let your kid drive it? That's the best idea/least amount of hassle.
Earning every penny of that moderator paycheck.
DBAP
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Re: classic car insurance and teenage drivers, what did you do?
[Re: Andrewh]
#3084520
10/09/22 12:05 PM
10/09/22 12:05 PM
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Joined: Dec 2007
Posts: 19,968 Puttin' on the foil in Charles...
not_a_charger
Mr. Big Shot Moparts Moderator
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Mr. Big Shot Moparts Moderator
Joined: Dec 2007
Posts: 19,968
Puttin' on the foil in Charles...
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Right, when you were a kid, they were just used cars. That's not the case anymore. Only you know what's best for your situation. If you want the kids to drive, get a regular policy and roll the dice.
Earning every penny of that moderator paycheck.
DBAP
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Re: classic car insurance and teenage drivers, what did you do?
[Re: not_a_charger]
#3084525
10/09/22 12:25 PM
10/09/22 12:25 PM
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Joined: Aug 2019
Posts: 9,525 Super Spudsville
Mr PotatoHead
Half Baked
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Half Baked
Joined: Aug 2019
Posts: 9,525
Super Spudsville
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No kids here but if I did.... no no no. Best for there safety, the cars safety.
I think what would be worse is teaching a youngster with a modern car with RnP steering and then trying to get them used to our old steering boxes, brakes, ect.
Maybe after a few years of driving under there belt.
STOP POTATO HATE!
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Re: classic car insurance and teenage drivers, what did you do?
[Re: Redbird]
#3084526
10/09/22 12:26 PM
10/09/22 12:26 PM
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Joined: Dec 2007
Posts: 19,968 Puttin' on the foil in Charles...
not_a_charger
Mr. Big Shot Moparts Moderator
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Mr. Big Shot Moparts Moderator
Joined: Dec 2007
Posts: 19,968
Puttin' on the foil in Charles...
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If a teenaged driver is driving their parents car without proper insurance, and has an accident injuring something or worse someone (including a passenger). The injured party should, and probably will, go after the parents for everything they can.
More risk than many insurance companies care to cover. Standard auto insurers all cover teenage drivers. It's the collector companies that do not.
Earning every penny of that moderator paycheck.
DBAP
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Re: classic car insurance and teenage drivers, what did you do?
[Re: not_a_charger]
#3084589
10/09/22 04:04 PM
10/09/22 04:04 PM
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Joined: Jan 2003
Posts: 28,604 Shopping @ HoBo Fright
340SIX
Doc Flappergas's Evil Twin
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Doc Flappergas's Evil Twin
Joined: Jan 2003
Posts: 28,604
Shopping @ HoBo Fright
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If a teenaged driver is driving their parents car without proper insurance, and has an accident injuring something or worse someone (including a passenger). The injured party should, and probably will, go after the parents for everything they can.
More risk than many insurance companies care to cover. Standard auto insurers all cover teenage drivers. It's the collector companies that do not. My policy stated a minimum age of drivers at 25 years old.
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Re: classic car insurance and teenage drivers, what did you do?
[Re: 340SIX]
#3084602
10/09/22 05:26 PM
10/09/22 05:26 PM
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Joined: Dec 2007
Posts: 19,968 Puttin' on the foil in Charles...
not_a_charger
Mr. Big Shot Moparts Moderator
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Mr. Big Shot Moparts Moderator
Joined: Dec 2007
Posts: 19,968
Puttin' on the foil in Charles...
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If a teenaged driver is driving their parents car without proper insurance, and has an accident injuring something or worse someone (including a passenger). The injured party should, and probably will, go after the parents for everything they can.
More risk than many insurance companies care to cover. Standard auto insurers all cover teenage drivers. It's the collector companies that do not. My policy stated a minimum age of drivers at 25 years old. Your collector policy, or your regular auto policy?
Earning every penny of that moderator paycheck.
DBAP
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Re: classic car insurance and teenage drivers, what did you do?
[Re: DynoDave]
#3084646
10/09/22 08:15 PM
10/09/22 08:15 PM
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Joined: Feb 2003
Posts: 8,687
Andrewh
OP
master
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OP
master
Joined: Feb 2003
Posts: 8,687
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Interesting...my son has been on my collector policy since I got it in 2014...he was 17 then. My daughter didn't want to be on it. who do you use? haggerty specifically states over 25 or they don't insure.
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Re: classic car insurance and teenage drivers, what did you do?
[Re: DynoDave]
#3084656
10/09/22 08:53 PM
10/09/22 08:53 PM
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Joined: Dec 2007
Posts: 19,968 Puttin' on the foil in Charles...
not_a_charger
Mr. Big Shot Moparts Moderator
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Mr. Big Shot Moparts Moderator
Joined: Dec 2007
Posts: 19,968
Puttin' on the foil in Charles...
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Interesting...my son has been on my collector policy since I got it in 2014...he was 17 then. My daughter didn't want to be on it. Which company, and did they ask for his birthday? Not shocking if there’s a company out there that does things differently than the rest.
Earning every penny of that moderator paycheck.
DBAP
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