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

"JimH" wrote in message
...

"Jim" wrote in message
...

"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.

Go **** yourself.

You sure are a classy little guy.

JimH wrote:
"Reginald P. Smithers III" "Reggie is Here wrote in message
. ..
Don White wrote:
"JimH" wrote in message
...
"Don White" wrote in message
...
"BAR" wrote in message
. ..
Don White wrote:
"BAR" wrote in message
. ..
Don White wrote:
"Vic Smith" wrote in message
...
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..........snip

Don, ignore his reply.



If you want Don to expose all of his assets to a law suit, and to drive
a car without the benefit of insurance, but with the inconvenience of
actually paying for it, you should recommend he ignores my advice and
lies on his insurance application. Whatever floats your boat.

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.

JimH wrote:
"Vic Smith" wrote in message
...
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

The only reason Reggie got up on his soapbox after his Google search on the
matter was to make sure Don got screwed if his scenario came true. Reggie
sealed the deal by including a key phrase (in parenthesis) in his elitist
response.

BTW: The term elitist defines Reggie well based on his nasty remark about
my Marine son who is a heavy construction equipment operator.

In case you missed his remark, here it is:

"While JimH's son is wielding a shovel, my son will be molding the minds of
the future leaders of America."

Herring later endorsed it.

Nice guys.



Did you not see where I praised the work of all blue collar workers? I
not only praised them, but love the show "Dirty Jobs" and am glad we
have people doing these very important jobs. You have got to be proud
of your son, he is doing what he wants to do.

Reginald P. Smithers III wrote:


Did you not see where I praised the work of all blue collar workers?

More of reggie's bull****.

Don White wrote:
"BAR" wrote in message
. ..
Don White wrote:
"BAR" wrote in message
. ..
Don White wrote:
"Vic Smith" wrote in message
...
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.

$4500 CDN per year is quite a bit. Has your son done something to move
himself into the high risk category?

When we had au-pairs, from Europe, they only bumped up or insurance by
about $400 per year. The were 18 years old or older and most had less
than 1 years worth of driving under their belts.

Don White wrote:
"JimH" wrote in message
...
"Don White" wrote in message
...
"BAR" wrote in message
. ..
Don White wrote:
"BAR" wrote in message
. ..
Don White wrote:
"Vic Smith" wrote in message
...
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.

Five years? That is an awfully long time to be paying that much in
insurance.

On Fri, 18 Apr 2008 20:37:41 -0400, "JimH" wrote:



"While JimH's son is wielding a shovel, my son will be molding the minds of
the future leaders of America."
Reginald P. Smithers III 4-18-08 rec.boats

John Herring (JohnH) immediately endorsed that statement by posting this:
" If you took Reggie's comment as an insult to your son, you must think blue
collar work is some real ****. Shame on you."

To which JohnH later posted"
"Oh, I thought he'd been promoted out of basic. When did he make E-2? The
Army calls and E-3 'Private First Class'. I was wondering how he got
promoted so fast. I don't believe there is a job titled 'Construction Heavy
Equipment
Operator'. Somebody must be pulling your leg."

FYI: My son is serving our Country as PFC with the USMC and is Construction
Heavy Equipment Operator.

I cannot believe the nasty comments Reggie and John have made, but I guess
those comments tell you about their integrity and respect they have for our
military and blue collar workers.
=======================================


From what I'm seeing, your son made a very wise decision. He chose an
occupation and first duty station that would get him well away from his
father!

Goodbye.
--
John *H*
(Not the other one!)

"BAR" wrote in message
. ..
Don White wrote:
"BAR" wrote in message
. ..
Don White wrote:
"BAR" wrote in message
. ..
Don White wrote:
"Vic Smith" wrote in message
...
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.

$4500 CDN per year is quite a bit. Has your son done something to move
himself into the high risk category?

When we had au-pairs, from Europe, they only bumped up or insurance by
about $400 per year. The were 18 years old or older and most had less than
1 years worth of driving under their belts.

Driving back from the Stones concert in New Brunswick almost two years ago,
he got a speeding ticket.
That jacked up his 'occasional driver premium by 20%.
he's got two marks against him... he doesn't have 5 years driving/insured
and the ticket.
Some companies up here just don't want the inexperienced drivers. At one
time age was the big problem, but now it's experience.
I sure do wish we had run the insurance companies out of the province and
set up a gov't operated plan like a couple of provinces out west.