Don White wrote:
"JimH" wrote in message
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"Don White" wrote in message
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"BAR" wrote in message
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Don White wrote:
"BAR" wrote in message
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Don White wrote:
"Vic Smith" wrote in message
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Truth be told, if I wanted to have something for light duty hauling,
that's the type of truck I'd get. Pretty easy on the gas, isn't it?
As it is, if I can't tie it up on the roof of my car (I'll pick up a
few 2x4's to support sheets that flex.) I just get it delivered.
For what I do now though, I can't justify a single duty truck.

--Vic
The 3.0 V6 is a bit thirsty and underpowered at the same time (148
hp)
I can't justify mine either since I sold my sailboat last August, but
I still have one year to go on the Rangers lease.
We just signed the papers for a 2007 Dodge Charger SXT for my son
tonight. Maybe he'll let me drive that on occasion.
"We just signed the papers?"

Yeah... I bought it..... he'll eventually buy it from me. I should
have said I bought it. Since he's only had his drivers license for
less than three years, insurance premiums are too outrageous for him to
buy any kind of half decent car himself.
When I bought my first new car the dealer was doing the financing and
they wanted me to have a co-signer. They asked about my father, mother
and anyone else. I told them if I needed a co-signer then the deal is
off. They called 15 minutes later and asked me when I would like to pick
up my new car. Insurance killed me. I was making $16,000 a year and
insurance was about $750 a year. A couple of tickets and an accident
within 4 months of each other were the cause.
If my son bought the car himself, my insurance company said he would pay
approx $4500.00 per year for insurance. ( probably cheaper at other 'high
risk' companies)
This way works better since my wife needs a vehicle to get to work and I
need my Ranger truck for R&R purposes.

Interesting but your agent may be wrong. The main thing an insurance
company normally cares about is who the primary driver of the vehicle is,
not who owns it.

Are things different up north Don?

That's correct. For the next few years the principal driver will be my
wife..... I get included automatically and we pay a $450.00 additional
premium to add our son as an occasional driver. In a couple of years he
will have his 5 years experience and should be able to purchase his own
auto.



The problem with providing incorrect information to an insurance
company, is you provide them with all the legal ammunition to avoid
paying any claim you submit. You stated it was your son's car, but you
purchased it to avoid high insurance bills for a young inexperienced
driver. You might as well not pay for any insurance, because if you
need it, they don't have to pay a penny.

If there is an expensive claim, involving a muscle car marketed towards
young males, the insurance adjuster is going to have a hard time
believing it really was your wife's car and she was the primary driver.
They have no problem accepting your premiums when you provide false
information, but they do hesitate to actually pay for claims when
someone lies on their application. I am sure, they can easily find
someone who will testify that the primary driver of the car was your
son, especially if it involves lots of money.

All an insurance adjuster would have to do is "Google' Don White
Charger" and he would have his evidence. Now if you have a ****ed off
neighbor or your son ****ed off a peer, any insurance investigator would
easily be able find additional witnesses.