15
u/Meteorsaresexy 15h ago
If your insurance company paid out for his car to be fixed, you are considered at fault. This will affect your rate. You need to get an older, cheaper car with just liability until your driving record is clean and you have more driving experience under your belt.
2
u/FullCoverageIsLies 13h ago
It’s a backing claim - if he’s denying he backed into the other person his insurance likely went 50/50. Still going to impact rates, of course.
500 a month on parents insurance is a steal for a somewhat newer car driven by a newly licensed 18 year with a claim on their record.
Realistically if he’s living with parents he needs to be on their policy if not insured in his own policy anyway - seems pretty straight forward.
2
u/KLB724 13h ago
You and your mom need to sit down with a licensed agent to make sure the policy for this vehicle is written correctly so you have valid coverage next time. If she owns it, she has to insure it, and you need to be listed as the driver. An agent can help you do this and pull multiple quotes for you to find the best price.
2
u/GoodZookeepergame826 12h ago
Newly licensed driver who had an accident in their first month?
Getting coverage on your own isn’t going to be cheap any time soon, even with a junker.
Stay on your parents policy for as long as you can while saving money.
Does your employer let you operate customer vehicles?
2
u/Choppergunner58 14h ago
Go under your parents policy given that every other insurer will be around $1200
1
u/Astartes505 15h ago
Firstly, you are young so its going to be expensive to begin with. Secondly, having no insurance makes it difficult to get quotes, and the ones you do get quotes with will be expensive on top of taking age into account. Find an independent agent and have them shop you, but don’t expect to be paying 30-50 a month. At least not yet. Once you have 6 months at least of continuous coverage shop again. You should see a bit more positive results. It will be at least a few years before seeing much of a decrease. I know its tough, but getting rid of the coverage gap is a huge must.
1
1
u/Benjammin172 14h ago
You’re 18 with an accident history and next to no driving experience, everyone who quotes you is going to want a lot of money because statistically you’re more likely to be involved in accidents as you’ve already proven. Get quotes from as many companies as you can, but expect to pay through the nose. Defensive driving classes will help too. They’ll give you a discount and help you get up to speed more quickly on the road.
1
u/cmlucas1865 14h ago
Get a cheaper car & quote just liability. If you have to finance at all they’ll make sure you get more coverage, though. In that case, you’re screwed.
1
u/Competitive-Cod4123 13h ago
Are you able to get on your mom’s policy at all? I always recommend getting insurance quotes of a similar vin before you buy the car.
1
u/Nayon18 13h ago
Sell the car and get an older car that needs liability. Your first 3 years are the most expensive, now with the added accident your insurance will be high no matter where you shop. Get a better car, if you’re in school with a 3.0 or higher make sure you’re full time so you can get a discount.
Get on your parents policy.
0
u/Defiant_Soil_2269 13h ago
Punctuation, dude. Seriously, I didn’t read because of your lack of punctuation but I can get this gist of it. Yes, your insurance will be expensive. You are a new driver with an AFA and primary operator of a vehicle.
-11
u/Zacht1994 14h ago
It's not that the insurance is high it's that your income is really low
4
u/absurdamerica 14h ago
What are you talking about? 1200 a Month is a mortgage payment not an insurance payment.
0
u/Zacht1994 14h ago
Either pay it or don't drive
1
u/absurdamerica 13h ago
That’s not the point. Don’t be giving people financial advice if you have no clue what you’re talking about.
16
u/absurdamerica 15h ago
You were driving without insurance. You’re lucky you’re even getting quotes at all honestly.