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ADD YOUNG DRIVER TO YOUR CAR
INS?
By Chuck Wells
Ok, so now you have a 16
year-old who somehow passed his road test and is now a licensed
driver. What do you do about your car insurance? Do you add him
to your policy, have him get his own car insurance, or keep your
mouth shut and hope no one catches up with him?
Most people just add the young driver to their policy and take
the hit with a higher premium. The hit will depend upon how many
cars you have. If you are married and you have two cars and then
add the third driver, the premium increase will not be too bad.
However, if you have three cars, your young driver will
automatically be considered the principle driver of that third
vehicle and your premium will be high and you may have to get a
second job. It doesn’t matter if he really is driving that car
all the time, the insurance company doesn’t believe you and will
still charge you (they don’t believe me either so don’t feel
bad).
If your kid is going to get his own car, tell him he needs to
get his own insurance policy. The premium will be a little
higher than putting the car on your policy, but he will be
building insurance credit in his own name and that will save him
money down the line. It may also save your rates as your
premiums will not increase if your kid has an accident with his
car. Of course, if he borrows your car and has an accident, your
rates may go up so tell him he has to use his own car! Keep in
mind that the car insurance and the registration have to be in
the same name. If Johnny puts his car on your policy, the
registration must be in your name, not his.
The third option is not to tell anyone you have a teen driver
and that you do not believe in having any children as they are
too expensive and a pain in the butt. You may luck out and your
teen will not have any accidents (even accidents which are not
his fault) and you have saved big bucks on insurance. However,
if Johnny has an accident and you have not told your insurance
company about him, your rates will go up immediately and you may
be canceled at the next renewal for being dishonest. If you
apply for new car insurance and don’t tell the insurance company
about Johnny, that is insurance fraud and you could be in deep
do-do. Also, do you want an insurance representing you in court
after a bad accident with them knowing you were dishonest with
them by not disclosing all of your drivers and paying an
appropriate premium?
Young drivers have more accidents than older drivers. That is a
fact. That is why insurance companies have to charge higher
premiums for having these drivers covered. So if you are going
to have a young driver, be prepared to shell out some money. Oh,
by-the-way, if a young driver asks you to put his car on your
policy (and not him), keep in mind that if he has an accident,
you will be sued also. Is it worth that so he can con an
insurance company into getting a lower premium?
WHO ARE THE CHEAPSKATES?
Bartenders Magazine has come out with a list of the worst and
best tippers. The worst tippers are lawyers and doctors. The
best tippers are bartenders (go figure), service personnel, and
hair stylists.
THANKSGIVING SMELLS AND SEX
The Chicago Smell and Taste
Treatment Foundation (really) has done smell studies to
determine what smells turn men on sexually. “There is a
connection between the olfactory bulb at the top of the nose and
the brain’s septal nucleus—called the erection center.”
25 male students were tested
using scent-soaked surgical masks. The doctor measured their
responses, monitoring blood pressure and penile blood flow.
Flowery perfumes and the smell
from cinnamon rolls were compared. Cinnamon rolls elicited more
of an arousal with men than perfume.
The smell of doughnuts and
pumpkin pie sparked the most arousal among the participants. But
the best smell arousal response among men was the blend of
pumpkin pie and lavender. That’s right, pumpkin pie and lavender
smells really turn men on. Also, the older the man, the greater
was his response to vanilla.
Ladies, please keep this in
mind as you prepare Thanksgiving dinner!
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