A community of 30,000 US Transcriptionist serving Medical Transcription Industry

Car insurance

Posted: Apr 21, 2010

Anyone else out there with a son who is under 25 that has been added to your car insurance? After dealing with our car insurance when our son got his driver's license, I was so aggravated that it cost more "because he is a boy". I am sorry, but I just don't buy that line. It is discrimination, plain and simple. I know they can quote "facts" that boys have more accidents than girls, but that is simply lumping all boys together. My son waited until he was 19 to get his license. He is a careful driver. Why not give them the same rates as girls and raise it if they have an accident. It is so unfair just to assume because they are a boy they do not drive as carefully as a girl.

;

It's frustrating, but the insurance industry is all based around statistics - Happy MT Robin

[ In Reply To ..]
That's what all rates in any type of insurance are based on - statistics. So, yes, while your son may have waited and may be a careful driver, the majority of young boys are not and the insurance industry has paid out billions in claims because of it. It's just the sad fact of life.

Insurance is based on Risk Assessment - It Is Not Discrimination

[ In Reply To ..]
Nor is it unfair.

And no, I am not the parent of a girl driver, not an insurance agent, and am not biased toward girls or against boys.

Why doesn't your son get his own insurance?

Insurance - KYMT

[ In Reply To ..]
The reason my son does not get his own insurance is he is a full-time college student studying music education which is a very time consuming field of study with a lot of his music classes requiring additional practice time.
Between that and the homework for his general ed classes, he has no time for a part-time or even a full-time job. Even if he did, most of his money would go just to pay his insurance. I am happy to help him out by paying for his car insurance as he is attending a private college soley on academic scholarships because of all of the hard work he has put in to make his dream of becoming a music teacher a reality. I just think it is unfair to group every boy in America into a higher insurance premium just because they are a boy.

own policy...sm - Sims

[ In Reply To ..]
It is much cheaper to add my son to my existing policy than for him to go out on his own, and he pays for my policy difference charges. And what about those insurance companies that run a credit report? My son does not have any credit to date.

Insurance - MT Ins. Lady

[ In Reply To ..]
I have worked in the insurance industry for going on 15 years as well as working as an MT for the past 5 yrs. While all states are different and all companies are different there are a few things that might help understand and lessen your frustration.

1. Insurance is zip code driven. They use a formula and calculate accidents per area.

2. Cars are rated with symbols. The higher the symbols (usually alpha driven when reaching numbers WOW beware!) So a car with an R is more than an L rating. This is based on replacement cost if involved in an accident.

3. Then yes sadly gender and age.

I know how frustrating that can be to parents and young drivers as well. IF you want to know in my 15 yrs of exp. I have handled more claims with girls than young men. The girls in the agency where I worked were more likely to get in accidents and were caught with drinking and driving as minors. NOT ALL OF THEM but I handled my fair share of them.

While the young men in the agency were more apt to get speeding charges.

In all I have seen I feel the young men and young woman should be rated equally. No differneces just because of gender.

I think all young drivers need to be cautioned about things and reminded often. NOT IN ANY SPECIAL ORDER.

1. NO TEXTING AND DRIVING.
2. NO CELL PHONES.
3. NO FRIENDS IN THE CAR.
4. ALWAYS BUCKLE UP.
5. NO DRINKING AND DRIVING.

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