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re: Do you insure your teenager on your car?
Posted on 3/23/15 at 9:51 am to terd ferguson
Posted on 3/23/15 at 9:51 am to terd ferguson
what happens when he rents an apt for college? can I not claim him as a dependant then?
4
Posted on 3/23/15 at 9:51 am to LSUTygerFan
quote:
see my post above. adding her added another $300 a month.
we were in FL when she turned 16, it really wasn't much to insure her, I think geographics factor in, and iir LA has always had steep rates(if that's where you are)
Posted on 3/23/15 at 9:51 am to terd ferguson
quote:
You might think you're doing something brilliant.
but, believe me, somebody else has already tried it.
Posted on 3/23/15 at 9:52 am to terd ferguson
quote:
I hope you want your ex claiming him for tax purposes too then.
that'd be likely the case anyways for most divorced couples.
quote:
You might think you're doing something brilliant... but I guarantee you that you're gonna frick something else up on the backside. Or if something happens then the insurance company will do some digging and find out you've been committing fraud, deny your claim, and you'll be stuck paying for everything out of pocket.
It ain't no fraud, have everything in your other spouses name but help out financially on the backend. Kid not driving your car, you aren't committing fraud.
Posted on 3/23/15 at 9:54 am to 777Tiger
quote:
LA has always had steep rates(if that's where you are)
yeah, insurance rates here are pretty damned high !
But one accident without it will make that cost seem pretty reasonable.
Posted on 3/23/15 at 9:55 am to terd ferguson
quote:
I hope you want your ex claiming him for tax purposes too then.
that's a matter of the dissolution ruling and is usually spelled out, i.e., this parents address shall be used for purposes of determining school district, this parent(usually the male because he's paying for everything,) shall be able to claim the child/children as dependents for income tax purposes
This post was edited on 3/23/15 at 9:58 am
Posted on 3/23/15 at 9:56 am to oldcharlie8
quote:
what happens when he rents an apt for college? can I not claim him as a dependant then?
How the frick are you a parent?
If your kid is a full time student you can claim him/her until they're 24. IF they're part time you can claim them until their 19th birthday.
Posted on 3/23/15 at 9:57 am to oldcharlie8
quote:
what happens when he rents an apt for college? can I not claim him as a dependant then?
Yes... with exceptions. College is considered a temporary absence.
Posted on 3/23/15 at 9:57 am to oldcharlie8
quote:
what happens when he rents an apt for college?
If he gets his own insurance, you're golden.
Otherwise,
quote:
claim him as a dependant
strongly implies he's part of your household.
Again, commit insurance fraud at your peril. You may be on the hook for damages you would have been covered for if you hadn't committed fraud - AND you might face criminal charges.
But, do what you smart, clever folks think is correct.
Posted on 3/23/15 at 9:58 am to MightyYat
quote:
How the frick are you a parent?
terd said that I couldn't claim him if he doesn't live under my roof. so, I was making a point pecker slapper
Posted on 3/23/15 at 10:00 am to oldcharlie8
quote:
he's on my medical policy. why can't I claim him?
That means nothing. My 25 year old daughter is on my medical policy and I can't claim her.
Posted on 3/23/15 at 10:01 am to Broke
No, we insure the car as a second vehicle that he just happens to drive. 
Posted on 3/23/15 at 10:01 am to oldcharlie8
quote:
what happens when he rents an apt for college? can I not claim him as a dependant then?
Viewed as a temporary address usually. My sons permanent address is my home address. If you'd take the time to look up the rules regarding all of this you'd see why what you're saying won't work.
Posted on 3/23/15 at 10:02 am to oldcharlie8
quote:
claim him as a dependant
strongly implies he's part of your household.
This is what I was getting at, Charles. If your kid gets in a wreck you gotta believe the insurance company is going to do some investigating if said kid isn't on your policy.
They will find out he lives with you and then they'll be more than glad to inform you that they refuse coverage on the accident... at which time they'll probably tell you that you need to find insurance somewhere else.
Posted on 3/23/15 at 10:03 am to oldcharlie8
quote:
terd said that I couldn't claim him if he doesn't live under my roof. so, I was making a point pecker slapper
That's not the test - terd knows that as well.
We're starting to conflate issues. "Part of household" is almost guaranteed to include your dependents - but not necessarily. "Dependent" does not have to physically live with you, but at least part-time residency is, again, strongly implied.
You can have a youngster join the military - particulary the guard or reserves, go off to training, earn a fairly decent check, come back and never stop being your dependent or part of your household - just as an example.
But, saying he lives "at the camp" isn't going to cut it.
This post was edited on 3/23/15 at 10:04 am
Posted on 3/23/15 at 10:04 am to oldcharlie8
quote:
terd said that I couldn't claim him if he doesn't live under my roof.
That's not what I was getting at and I think you know it. I was making the point that you can't claim a kid is living with you for all the purposes of saving money and then claim he's living somewhere else to keep from paying money.
Insurance companies have been doing this for a long time and you're not the first person to come up with this idea. I hope nothing bad happens, but if it does you will get caught and it won't end well.
Posted on 3/23/15 at 10:07 am to terd ferguson
Are people really this cheap that they don't want to properly insure their own flesh and blood in the case of an accident?
Posted on 3/23/15 at 10:08 am to VABuckeye
They're cheap enough that they want them to be included on the policy but not listed as a primary driver to save $.
Posted on 3/23/15 at 10:09 am to CaptainsWafer
quote:
but not listed as a primary driver to save $.
if you're on the policy you're on the policy. being primary is irrelevant.
Posted on 3/23/15 at 10:10 am to Chad504boy
quote:
if you're on the policy you're on the policy. being primary is irrelevant.
I believe that's a state to state issue, in FL primary/secondary was defined, not so in TX
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