"JimH" wrote in message
...
Don, ignore his reply.

Hey little guy. It would be foolish for Don to ignore Reggie's advice. It's
spot on. I don't know where your head is. On second thought, I do.

On Fri, 18 Apr 2008 15:06:34 -0400, "Jim" wrote:


"JimH" wrote in message
...
Don, ignore his reply.

Hey little guy. It would be foolish for Don to ignore Reggie's advice. It's
spot on. I don't know where your head is. On second thought, I do.

It's not so simple. Probably depends on the insurance agency.
Mine - one of the majors - has always juggled the 3 cars I insure with
them so the primary drivers are put on cars that result in the least
total premium.
They have never refused to pay any claim, though there have only been
a couple "at fault" to repair other cars and didn't add up to much.
Probably some thousands given the cost of even minor body work, but I
never asked.
There was never any question about the at fault driver - my son - not
being the primary driver for the car.
I've always been the primary driver on the cars he drove, which their
statisticians apparently thought was the most like accident prone
vehicle.
Never a Charger, however, so I can't say they would go for that.
Though the kid always wanted a Camaro, he had the sense to know
he didn't have the sense to keep out of trouble with it, or the money.
I've been with the same agency for over 30 years, and they actually
remember me when I make the occasional call, so that might make a
difference too.

--Vic

Vic Smith wrote:
On Fri, 18 Apr 2008 15:06:34 -0400, "Jim" wrote:

"JimH" wrote in message
...
Don, ignore his reply.

Hey little guy. It would be foolish for Don to ignore Reggie's advice. It's
spot on. I don't know where your head is. On second thought, I do.

It's not so simple. Probably depends on the insurance agency.
Mine - one of the majors - has always juggled the 3 cars I insure with
them so the primary drivers are put on cars that result in the least
total premium.
They have never refused to pay any claim, though there have only been
a couple "at fault" to repair other cars and didn't add up to much.
Probably some thousands given the cost of even minor body work, but I
never asked.
There was never any question about the at fault driver - my son - not
being the primary driver for the car.
I've always been the primary driver on the cars he drove, which their
statisticians apparently thought was the most like accident prone
vehicle.
Never a Charger, however, so I can't say they would go for that.
Though the kid always wanted a Camaro, he had the sense to know
he didn't have the sense to keep out of trouble with it, or the money.
I've been with the same agency for over 30 years, and they actually
remember me when I make the occasional call, so that might make a
difference too.

--Vic


Vic,
It is easy to call up any insurance company and ask the question. On
small claims, it will probably go through without an adjuster looking
too closely. Let it be a large claim, the kind that would wipe out the
average assets of an American and Canadian, the adjuster is going to
say, Mmmmmmm I wonder why a woman in her 60's is the primary driver of a
muscle car, that is not your typical 60 yr old car, and now her son had
this accident in "her" car. Is there a way we can get out of paying
this claim. If someone is put into a hospital for an extended length of
time, Don will have zero assets, but i am sure he will remember my
advice, but it will be too late.