Nobody thinks their teen doesn’t complain about them. Or life. Of course they do. We’re talking about the misconception that all teens act entitled and like spoiled brats, constantly whining about their life. That latter simply isn’t true.
They also whine and complain about their coaches and teachers. It’s part of nest spoiling process and separating themselves from the adults in their sphere.
This is so true! Dance teachers, coaches, so much complaining!
That comes with just as much bias as it can here.
Sure, I think we all know that you need add a teen who has a permit or license to your policy. But the post DLGal quoted mentioned the insurance company automatically adding anyone in the household age 16 and older. Not every 16 year old has a permit or license, so why would they automatically be added to your insurance policy?
To the first part, I'm not willing to assume that she is a "spoiled brat" based on the posts. To me, it seemed like the OP really just wanted to complain and be validated because she assumed everyone was going to jump on the "ugh, teenagers are awful" bandwagon.
There have been so many varied posts on this that I'm going to assume it must very by state or by insurance company. With our 3, they had to be added once they got a full license, but not if they only had a permit.
With ours (several different companies over the years of our teenagers), you were supposed to notify the insurance company when they had their permit, but they were not listed as an actual driver on the policy and you did not have to pay anything until they got their full license.
TLDR: Comment prompted due to side conversations occurring. Read the longer part of the post for more details but if the insurance company is making you add your teen in (for whatever reason we'll say) and the teen doesn't have any money for a reason (like in the OP's case they won't allow the teen to get a job) treat it like a par for the course of parent and insurance stuff. If the teen has a job, is making money to realistically pay for entirely or a portion and they are driving sure def. switch to having it be their responsibility. It is under certain circumstances literally what parents do expenses. Can't blame a teen if they are prevented from having money to pay for something out of their control. That's not a life lesson there, that's just being spiteful.
Spouses are often treated as one in the same entity (that became really important when same-sex marriage was legalized) so yes usually you need to have your spouse be listed on your policy. Depending on the state and their driver's license status (meaning do they only have a state id that lists them as non-driver) you may have the option to list them as non-driver or exclude them but for spouses that was fairly rare because again you were considered one entity. For an adult who has never had a driver's license but has a state ID yes they would have to be listed on the policy if they are an exposure to the household (at least at the insurance company I worked for) but depending on the state and the way the insurance company was filed you may be able to list them as non-driver or exclude them. In the olden days there was a code for Disabled but that largely went away. And don't even get me started on the fiasco we ran into all the time with a Registered Owner and listing on insurance policy. That was normally a headache of epic proportions because usually a Registered Owner can't be excluded because they have ownership of the vehicle. People also confuse exclusion thinking it means something else even when they sign a piece of paper that says under no circumstances will you be covered if this excluded driver drives the car and gets into an accident. Yes many people still think the insurance company should cover them.
And thank heavens I didn’t have parents like this.
