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Dec 30th, 2023
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 Re: I need the help of smart people right now
[Re: Mudshark]
#13310165
10/13/19 05:58 PM
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Joined: Mar 2005
Posts: 43,998
Tallgrass05
bill maher's protege
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bill maher's protege
Joined: Mar 2005
Posts: 43,998 |
He's probably bored and needs a constructive outlet.
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Re: I need the help of smart people right now
[Re: Tallgrass05]
#13310183
10/13/19 06:27 PM
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Joined: Nov 2008
Posts: 25,749
elcoyote, esq.
TFF Guru
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TFF Guru
Joined: Nov 2008
Posts: 25,749 |
He's probably bored and needs a constructive outlet. Or he is a [censored] and needs an [censored] whipping and a night in jail.
Team wolfs I had to perform. It took a minute to get it all in my mouth and another five to swallow it all.
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Re: I need the help of smart people right now
[Re: Tallgrass05]
#13310185
10/13/19 06:28 PM
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Joined: Mar 2008
Posts: 12,262
silvers
TFF Guru
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TFF Guru
Joined: Mar 2008
Posts: 12,262 |
He's probably bored and needs a constructive outlet. Your a dip [censored]
call it what you will...he is not definitely not anywhere near the top of the list for QB's that I would choose needing a FG or touchdown drive late in the game.
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Re: I need the help of smart people right now
[Re: Mudshark]
#13310187
10/13/19 06:30 PM
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Joined: May 2007
Posts: 40,355
WAWI
TFF Guru
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TFF Guru
Joined: May 2007
Posts: 40,355 |
Honesty is a solid policy.
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Re: I need the help of smart people right now
[Re: Mudshark]
#13310193
10/13/19 06:39 PM
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Joined: Jan 2009
Posts: 1,649
spankyttx
Extreme Angler
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Extreme Angler
Joined: Jan 2009
Posts: 1,649 |
tough love is hard, especially when it involves kids. after 30 years of auto claims, i will say your agent will have very little pull with the claim. sure he'll take the claim, go over policy and procedure but the adjuster/claim handler will be making the decisions. then the claim handler may or may not flag it to send to underwriting for evaluation for cancellation or increased rates. all in all, that police report is gonna be asked for or you can try a story, but chances are, with a story, the tickets he got will show up sooner or later, most likely along with a cancellation notice
p.s. with those tickets, the kid will still, most likely, not be driving till he's 18
but then again, i could be wrong about all of this, an attorney might be a good idea
LI-SI-WI-NWI
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Re: I need the help of smart people right now
[Re: spankyttx]
#13310201
10/13/19 06:48 PM
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Joined: Dec 2006
Posts: 45,504
Mudshark
OP
TFF Guru
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OP
TFF Guru
Joined: Dec 2006
Posts: 45,504 |
tough love is hard, especially when it involves kids. after 30 years of auto claims, i will say your agent will have very little pull with the claim. sure he'll take the claim, go over policy and procedure but the adjuster/claim handler will be making the decisions. then the claim handler may or may not flag it to send to underwriting for evaluation for cancellation or increased rates. all in all, that police report is gonna be asked for or you can try a story, but chances are, with a story, the tickets he got will show up sooner or later, most likely along with a cancellation notice
p.s. with those tickets, the kid will still, most likely, not be driving till he's 18
but then again, i could be wrong about all of this, an attorney might be a good idea I am not planning on making up a story at all. My plan at this point is to call my agent in the morning and tell him what happened. From what I am reading online, it seems that I need to have the boy charged with taking the car on top of the tickets he was given. From what I read, that can help me some how. I don’t know what I’m doing. I just know tomorrow I will be calling the State Farm man and get ready to pucker up.
![[Linked Image]](https://texasfishingforum.com/forums/pics/usergals/2018/08/full-20730-226025-hat_thumb.jpg)
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Re: I need the help of smart people right now
[Re: Mudshark]
#13310205
10/13/19 06:55 PM
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Joined: Sep 2003
Posts: 5,518
Bruce's
TFF Celebrity
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TFF Celebrity
Joined: Sep 2003
Posts: 5,518 |
This never happen to me. I have a close friend that has teen boys, this was years ago. Basically the same thing happen. Only the boy spent many weeks in intensive care.
They charged the boy that 16 with theft,, failure to yield,,, unsafe speed for conditions, no adult driver, I cant remember all the particulars.
I do know, His father Insurance was never the same. And the boy to this day doesn't drive.
Bruce's Sprinkler Repair
817-798-7246
52 years experience
State Licensed Irrigation
LI0017483
Fishing Texas lakes one at a time
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Re: I need the help of smart people right now
[Re: Mudshark]
#13310215
10/13/19 07:14 PM
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Joined: May 2010
Posts: 4,756
2014NITROZ-7
TFF Team Angler
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TFF Team Angler
Joined: May 2010
Posts: 4,756 |
I have no advice,but thank God he wasn't hurt very bad. And hope it all works out for you and your family.
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Re: I need the help of smart people right now
[Re: silvers]
#13310217
10/13/19 07:25 PM
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Joined: Mar 2005
Posts: 43,998
Tallgrass05
bill maher's protege
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bill maher's protege
Joined: Mar 2005
Posts: 43,998 |
He's probably bored and needs a constructive outlet. Your a dip [censored] It should be "You're". Got some anger today?
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Re: I need the help of smart people right now
[Re: Mudshark]
#13310235
10/13/19 07:54 PM
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Joined: Jul 2010
Posts: 9,511
TR176
TFF Celebrity
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TFF Celebrity
Joined: Jul 2010
Posts: 9,511 |
The difference may be wether it is determined to be your fault (driven with permission)or not your fault (driven without) My daughter was hit by a car that swerved into her to avoid an accident his insurance only paid 80% and hers ((State Farm) by the way, paid 20% they called it a not in fault accident and her premiums did not increase. Another feature of State Farm is they have a no cancellation rider for folks over 50 that have had insurance for some period of time. That is if you don’t commit fraud. If you are not 50 you certainly look like you are.
Is this similar to what you found on the Internet?
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Re: I need the help of smart people right now
[Re: Mudshark]
#13310239
10/13/19 08:00 PM
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Joined: Jan 2009
Posts: 1,649
spankyttx
Extreme Angler
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Extreme Angler
Joined: Jan 2009
Posts: 1,649 |
as in police report, yes, i'm talking about the call to the po-po that the car was "taken without permission"
i do wonder, (if your made of money and/or, if the car is paid off of course) if canceling the coverage to the car immediately before a claim is made, paying the owner of the tree for damages if restitution is needed and have your son pay you for the car value would work. that's just a thought of course to save you of any insurance issues. i guess it all boils down to, if the ins co pays out on a collision claim, it usually includes increased rates, but not all ins co's are the same and your son will still have to deal with the license issue
LI-SI-WI-NWI
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Re: I need the help of smart people right now
[Re: Mudshark]
#13310268
10/13/19 08:35 PM
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Joined: Sep 2006
Posts: 12,447
JIM SR.
TFF Guru
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TFF Guru
Joined: Sep 2006
Posts: 12,447 |
as far as insurance is concerned, tell the truth, that's all water under the bridge.
I would be more concerned about why my youngest is taking joy rides in middle of the night..and what I plan to do
to prevent this from happening again.
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Re: I need the help of smart people right now
[Re: Mudshark]
#13310272
10/13/19 08:43 PM
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Joined: May 2014
Posts: 7,737
GIG'EM AGGIES
TFF Celebrity
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TFF Celebrity
Joined: May 2014
Posts: 7,737 |
Having your rates raised is the least of your problems, having your 15 yr. old stealing your car in the middle of the night is huge. I would concentrate on fixing that problem first to prevent another accident or worse a loss of life. He is definitely in need of help. Prayers for you and your son. .gif "angel")
I am a Senager. (Senior teenager) I have everything that I wanted as a teenager, only 50 years later. I get an allowance every month. I have PU truck and a bass boat, I am blessed.
Conscience never acquits, it either accuses or excuses.
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Re: I need the help of smart people right now
[Re: GIG'EM AGGIES]
#13310321
10/13/19 09:15 PM
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Joined: Dec 2006
Posts: 45,504
Mudshark
OP
TFF Guru
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OP
TFF Guru
Joined: Dec 2006
Posts: 45,504 |
Having your rates raised is the least of your problems, having your 15 yr. old stealing your car in the middle of the night is huge. I would concentrate on fixing that problem first to prevent another accident or worse a loss of life. He is definitely in need of help. Prayers for you and your son. I won’t get into the weeds on that, and am doing, and have been doing the best I can with this particular child.. The nature of my question was more insurance related than asking for parenting advice, but I appreciate your concern.
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Re: I need the help of smart people right now
[Re: spankyttx]
#13310333
10/13/19 09:21 PM
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Joined: Dec 2006
Posts: 45,504
Mudshark
OP
TFF Guru
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OP
TFF Guru
Joined: Dec 2006
Posts: 45,504 |
as in police report, yes, i'm talking about the call to the po-po that the car was "taken without permission"
i do wonder, (if your made of money and/or, if the car is paid off of course) if canceling the coverage to the car immediately before a claim is made, paying the owner of the tree for damages if restitution is needed and have your son pay you for the car value would work. that's just a thought of course to save you of any insurance issues. i guess it all boils down to, if the ins co pays out on a collision claim, it usually includes increased rates, but not all ins co's are the same and your son will still have to deal with the license issue I don’t have a copy of the police report yet, but they know the car was taken without permission. I asked the officer why they didn’t take him to Juvenile Detention, which is what I wanted to happen and he told me they could but they wouldn’t take him since he was in an accident and had some minor injuries. I didn’t know the car was missing until the officer knocked on my door. I will weigh the options of higher rates and the value of the car once I know more details. To add insult to injury, my oldest son just bought a new car that has not yet been delivered. We kept him on our policy because it was going to be a lot cheaper. Now, it may not be. My other son is also in this same boat as he just upgraded his vehicle as well.
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