Don White wrote:


First he insults my son. Then he call you a liar. What a guy!

I have nothing to prove to that jackass.

Don,

You have nothing to prove to me or anyone else in rec.boats, and I had
no delusions of you or JimH will understanding the concept that
fraudulent information on an insurance application, will allow an
insurance company to cancel your insurance policy after an accident and
not pay on any claim. If you think the insurance company is going to
believe your wife is the primary driver on a muscle car marketed to a
teenage, and will cover you in an expensive accident, so be it. I just
hope he doesn't have an accident. Insurance companies call this
"fronting" and know how and when to prove it when they want to cancel an
insurance policy. Especially when it is obvious that someone has
"fronted" a car to save money. Everyone should be aware that insurance
companies are well aware of people playing the game, and they ONLY care
about it, if their is an expensive claim filed. As you said:

"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. " This is the insurance companies
definition of "fronting".

The post was meet as an informative post to other people concerning the
dangers of trying to "work" the insurance system. One get the worst of
both worlds, you pay for the insurance, and then don't get the coverage
if and when you need it.

It is just as important with boat, auto and home, health and life
insurance, if the information on the declaration page of the insurance
coverage is not correct, the owner of the insurance policy is the
loser. It does not matter who is responsible for the incorrect
information on the declaration page. It is up to the insured to review
the declaration page, and to inform the insurance company if any
information is not correct. Remember only the insured loses if there
is an expensive claim filed on an insurance policy with incorrect
information on the declaration page. The broker got his commission on
the policy, the insurance company got your annual premiums, and you only
have insurance as long as you don't have an expensive claim.

Knowing this, most people will make sure the information on their
declaration page is correct.

I could care less if you and JimH take the advice, it is no skin off my
nose.