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Jul 19, 2015

Insurance & Teen Driver?

Kind of an off the wall question but here goes… I am literally writing the check right now for insurance on our class C. Our oldest will soon turn 16 & be driving. I know that our car insurance rates will increase. But should I expect that on the motorhome too? State Farm has all our insurance including the car & motorhome. There's no way our 16 year old will ever drive our 32 ft class C so I don't think it should increase - but State Farm may feel differently. Thanks!

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& Teen Driver?","id":"message:1888599","revisionNum":1,"repliesCount":17,"author":{"__ref":"User:user:119871"},"depth":0,"hasGivenKudo":false,"board":{"__ref":"Forum:board:Motorhomesforum-board"},"conversation":{"__ref":"Conversation:conversation:1888599"},"readOnly":false,"editFrozen":false,"moderationData":{"__ref":"ModerationData:moderation_data:1888599"},"body":"Kind of an off the wall question but here goes… I am literally writing the check right now for insurance on our class C. Our oldest will soon turn 16 & be driving. I know that our car insurance rates will increase. But should I expect that on the motorhome too? State Farm has all our insurance including the car & motorhome. There's no way our 16 year old will ever drive our 32 ft class C so I don't think it should increase - but State Farm may feel differently. Thanks!","body@stringLength":"488","rawBody":"Kind of an off the wall question but here goes… I am literally writing the check right now for insurance on our class C. Our oldest will soon turn 16 & be driving. I know that our car insurance rates will increase. But should I expect that on the motorhome too? State Farm has all our insurance including the car & motorhome. There's no way our 16 year old will ever drive our 32 ft class C so I don't think it should increase - but State Farm may feel differently. Thanks!","kudosSumWeight":0,"postTime":"2015-07-18T17:35:44.000-07:00","images":{"__typename":"AssociatedImageConnection","edges":[],"totalCount":0,"pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null}},"attachments":{"__typename":"AttachmentConnection","pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null},"edges":[]},"tags":{"__typename":"TagConnection","pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null},"edges":[{"__typename":"TagEdge","cursor":"MjUuMnwyLjF8b3wxMHxfTlZffDE","node":{"__typename":"Tag","id":"tag:Class C","text":"Class C","time":"2002-02-25T19:07:57.000-08:00","lastActivityTime":null,"messagesCount":null,"followersCount":null}}]},"timeToRead":1,"currentRevision":{"__ref":"Revision:revision:1888599_1"},"latestVersion":null,"metrics":{"__typename":"MessageMetrics","views":2835},"visibilityScope":"PUBLIC","canonicalUrl":null,"seoTitle":null,"seoDescription":null,"isEscalated":null,"placeholder":false,"originalMessageForPlaceholder":null,"messagePolicies":{"__typename":"MessagePolicies","canModerateSpamMessage":{"__typename":"PolicyResult","failureReason":{"__typename":"FailureReason","message":"error.lithium.policies.feature.moderation_spam.action.moderate_entity.allowed.accessDenied","key":"error.lithium.policies.feature.moderation_spam.action.moderate_entity.allowed.accessDenied","args":[]}}},"archivalData":null,"searchSnippet":"Kind of an off the wall question but here goes… I am literally writing the check right now for insurance on our class C. Our oldest will soon turn 16 & be driving. I know that our car 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font-size: $theme-type-size-small;\n }\n }\n\n .dropup {\n background-clip: padding-box;\n border: none;\n font-size: $theme-type-size-small;\n list-style: none;\n padding-left: 5px;\n position: relative;\n\n @media screen and (min-width: 992px) {\n float: left;\n }\n\n &:hover {\n .dropdown-menu {\n display: block;\n }\n }\n }\n\n .footer-dropup-toggle {\n background: none;\n border: 0;\n padding: 0;\n\n .fa-angle-up {\n /* @include li-icon ($fa-var-angle-up, $pseudo: before, $size: $theme-type-size-base, $color: $goodsam-gray-footer);\n padding-left: $theme-space-xsmall;\n padding-right: $theme-space-xsmall; */\n }\n }\n\n .dropdown-menu {\n background-color: #fff;\n border-radius: 4px;\n bottom: 100%;\n margin: 2px 0 0;\n min-width: 160px;\n padding: $theme-space-xsmall 0;\n position: absolute;\n right: 0;\n\n li {\n border-right: 0;\n float: none;\n text-align: left;\n\n @media screen and (max-width: 768px) {\n display: block;\n }\n\n a {\n color: $goodsam-gray;\n display: block;\n text-transform: none;\n\n &:hover {\n outline: 5px auto -webkit-focus-ring-color;\n outline-offset: -2px;\n }\n }\n }\n }\n }\n }\n}\n\n.footer-terms {\n display: flex;\n flex-direction: column;\n justify-content: center;\n align-items: center;\n padding: $theme-space-small 0;\n\n @media screen and (min-width: 992px) {\n display: block;\n padding: 0;\n }\n\n > .row {\n padding-bottom: $theme-space-small;\n\n @media screen and (min-width: 992px) {\n padding-bottom: $theme-space-base;\n }\n\n &.footer-terms-order-1 {\n order: 1;\n }\n\n &.footer-terms-order-2 {\n order: 2;\n }\n }\n}\n\n.footer-bottom {\n @media screen and (min-width: 992px) {\n padding-top: $theme-space-small;\n }\n\n .footer-bottom-list-center {\n display: flex;\n flex-direction: row;\n justify-content: center;\n align-items: center;\n flex-wrap: wrap;\n float: none;\n margin: 0 auto;\n\n @media screen and (min-width: 992px) {\n display: block;\n }\n\n li {\n display: inline;\n padding: 0 $theme-space-base;\n\n @media screen and (min-width: 992px) {\n border-right: 1px solid $goodsam-gray-700;\n padding: 0;\n\n &:first-child a {\n padding-left: 0;\n }\n\n &:last-child {\n border-right: 0;\n\n a {\n padding-right: 0;\n }\n }\n }\n\n a {\n display: inline-block;\n font-size: $theme-type-size-small;\n padding: $theme-space-small;\n\n @media screen and (min-width: 992px) {\n display: inline;\n font-size: $theme-type-size-xsmall;\n padding: 0 12px 0 $theme-space-small;\n }\n }\n }\n }\n}\n\n.copyright {\n color: $goodsam-gray-footer;\n font-size: $theme-type-size-base;\n margin-bottom: 0;\n\n @media screen and (min-width: 992px) {\n margin-bottom: $theme-space-small;\n }\n}\n\n#gsFooterSocial,\n.gsFooterSocial {\n background: $goodsam-gray-200;\n padding: 0 calc($theme-space-small + $theme-space-xsmall);\n .footerSocialItems,\n #footerSocialItems {\n text-align: center;\n\n @media screen and (min-width: 767px) {\n text-align: left;\n }\n }\n\n .footerSocialItems ul,\n #footerSocialItems ul {\n list-style-type: none;\n margin: auto;\n padding-left: 0;\n\n li {\n display: inline;\n margin: 0 $theme-space-small;\n }\n }\n}\n","texts":{"custom.footer.col01.text.01":"Home","custom.footer.col01.url.01":"https://www.goodsam.com/","custom.footer.col01.text.02":"About Us","custom.footer.col01.url.02":"https://www.goodsam.com/about/","custom.footer.col01.text.03":"Contact Us","custom.footer.col01.url.03":"https://www.goodsam.com/contact","custom.footer.col01.text.04":"FAQ","custom.footer.col01.url.04":"https://www.goodsam.com/faq/","custom.footer.col01.text.05":"Site Map","custom.footer.col01.url.05":"https://www.goodsam.com/site-map.aspx","custom.footer.col02.text.01":"Code of Conduct","custom.footer.col02.url.01":"https://www.goodsam.com/code-of-conduct.aspx","custom.footer.col02.text.02":"Affiliate Program","custom.footer.col02.url.02":"https://www.goodsam.com/affiliate/","custom.footer.col02.text.03":"Become a Good Sam Campground","custom.footer.col02.url.03":"https://www.goodsamnetwork.com/","custom.footer.col02.text.04":"Good Sam Rewards Visa","custom.footer.col02.url.04":"https://www.goodsam.com/creditcard/","custom.footer.col02.text.05":"About Marcus Lemonis","custom.footer.col02.url.05":"https://www.goodsam.com/about-marcus-lemonis/","custom.footer.col03.text.01":"RV Sales","custom.footer.col03.url.01":"https://rv.campingworld.com/","custom.footer.col03.text.02":"RV Gear","custom.footer.col03.url.02":"https://www.campingworld.com/shop/","custom.footer.col03.text.03":"RV Maintenance & Repair","custom.footer.col03.url.03":"https://rv.campingworld.com/service/","custom.footer.col03.text.04":"Good Sam Membership & Services","custom.footer.col03.url.04":"https://www.goodsam.com/","custom.footer.col03.text.05":"Campground Solutions","custom.footer.col03.url.05":"https://campgroundsolutions.goodsam.com/","custom.footer.col04.text.01":"Helpful Articles and Tips","custom.footer.col04.url.01":"https://www.goodsam.com/article","custom.footer.col05.text.01":"Good Sam Apps","custom.footer.col05.url.01":"https://www.goodsam.com/rv-camping-apps/","custom.footer.col05.text.02":"Take Good Sam apps on your next RV Trip!","custom.footer.col05.url.02":"https://www.goodsam.com/rv-camping-apps/","custom.footer.col06.text.01":"Customer Service Phone Number:","custom.footer.col06.phone.number":"866-205-7451","custom.footer.col06.text.02":"Club contact number 866-205-7451","custom.footer.col06.url.02":"tel:866-205-7451","custom.footer.row01.logo.text":"Good Sam Home","custom.footer.row01.text.01":"Blog","custom.footer.row01.url.01":"http://blog.goodsam.com/","custom.footer.row01.text.02":"Careers","custom.footer.row01.url.02":"https://www.campingworldcareers.com/","custom.footer.row01.text.03":"Contact Us","custom.footer.row01.text.toggle":"Click to expand","custom.footer.row01.text.04":"Good Sam","custom.footer.row01.url.04":"https://www.goodsam.com/contact/","custom.footer.row01.text.05":"Camping World","custom.footer.row01.url.05":"https://www.campingworld.com/contact/","custom.footer.row01.text.06":"RV Sales","custom.footer.row01.url.06":"https://rv.campingworld.com/contact","custom.footer.row02.text.01":"Privacy Policy","custom.footer.row02.url.01":"https://www.goodsam.com/privacy-policy.aspx","custom.footer.row02.text.02":"California Privacy Rights","custom.footer.row02.url.02":"https://www.goodsam.com/privacy-policy.aspx#calinevada","custom.footer.row02.text.03":"Investor Relations","custom.footer.row02.url.03":"http://investor.campingworld.com","custom.footer.row02.text.04":"Terms of Use","custom.footer.row02.url.04":"https://www.goodsam.com/terms.aspx","custom.footer.row02.text.05":"Accessibility Commitment","custom.footer.row02.url.05":"https://www.goodsam.com/accessibility-commitment.aspx","custom.footer.row02.text.06":"Team Member Assistance","custom.footer.row02.url.06":"https://www.goodsam.com/helping-hand","custom.footer.social.facebook.text":"Facebook","custom.footer.social.facebook.url":"https://www.facebook.com/GoodSam","custom.footer.social.twitter.text":"Twitter","custom.footer.social.twitter.url":"https://twitter.com/GoodSam","custom.footer.social.youtube.text":"YouTube","custom.footer.social.youtube.url":"https://www.youtube.com/user/goodsamrvers","custom.footer.social.instagram.text":"Instagram","custom.footer.social.instagram.url":"https://www.instagram.com/goodsam/?hl=en","custom.footer.social.pinterest.text":"Pinterest","custom.footer.social.pinterest.url":"https://www.pinterest.com/goodsam/","custom-community-footer-copyright.text":"© {0} Good Sam Enterprises, LLC. All rights reserved."},"defaults":{"config":{"applicablePages":[],"description":"","fetchedContent":null,"__typename":"ComponentConfiguration"},"props":[],"__typename":"ComponentProperties"},"components":[{"id":"custom.widget.CustomFooter","form":null,"config":null,"props":[],"__typename":"Component"}],"grouping":"CUSTOM","__typename":"ComponentTemplate"},"properties":{"config":{"applicablePages":[],"description":"","fetchedContent":null,"__typename":"ComponentConfiguration"},"props":[],"__typename":"ComponentProperties"},"form":null,"__typename":"Component","localOverride":false},"globalCss":{"css":".custom_widget_CustomFooter_footer-wrapper_hp49n_21 {\n background: #474442;\n\n a {\n color: #dfdfdf;\n font-weight: 100;\n\n &:focus,\n &:hover {\n color: #dfdfdf;\n }\n }\n}\n.custom_widget_CustomFooter_sr-only_hp49n_34 {\n position: absolute;\n width: 0.0625rem;\n height: 0.0625rem;\n margin: -0.0625rem;\n padding: 0;\n overflow: hidden;\n clip: rect(0, 0, 0, 0);\n border: 0;\n}\n.custom_widget_CustomFooter_footer_hp49n_21 {\n line-height: 1.25rem;\n /* margin-left: auto;\n\tmargin-right: auto;\n\tpadding-left: $bootstrap-padding;\n\tpadding-right: $bootstrap-padding; */\n}\n.custom_widget_CustomFooter_container_hp49n_52 {\n margin-left: auto;\n margin-right: auto;\n max-width: 73.125rem;\n padding-left: 0.9375rem;\n padding-right: 0.9375rem;\n}\n.custom_widget_CustomFooter_row_hp49n_60 {\n /* HOTFIX - PSDS-32115 - Remove negative margins to fix mobile display */\n\n &::after {\n clear: both;\n }\n\n &::after,\n &::before {\n content: ' ';\n display: table;\n }\n}\n.custom_widget_CustomFooter_col_hp49n_74 {\n float: left;\n min-height: 0.0625rem;\n padding-left: 0.9375rem;\n padding-right: 0.9375rem;\n position: relative;\n}\n.custom_widget_CustomFooter_col-xs-10_hp49n_82,\n.custom_widget_CustomFooter_col-sm-10_hp49n_83 {\n width: 83.33333333%;\n}\n.custom_widget_CustomFooter_col-xs-12_hp49n_87,\n.custom_widget_CustomFooter_col-sm-4_hp49n_88,\n.custom_widget_CustomFooter_col-sm-12_hp49n_89,\n.custom_widget_CustomFooter_col-md-2_hp49n_90,\n.custom_widget_CustomFooter_col-md-8_hp49n_91,\n.custom_widget_CustomFooter_col-md-10_hp49n_92,\n.custom_widget_CustomFooter_col-md-12_hp49n_93,\n.custom_widget_CustomFooter_col-lg-2_hp49n_94,\n.custom_widget_CustomFooter_col-lg-8_hp49n_95,\n.custom_widget_CustomFooter_col-lg-12_hp49n_96 {\n width: 100%;\n}\n@media screen and (min-width: 767px) {\n .custom_widget_CustomFooter_col-md-2_hp49n_90 {\n width: 16.66666667%;\n }\n\n .custom_widget_CustomFooter_col-md-8_hp49n_91 {\n width: 66.66666667%;\n }\n\n .custom_widget_CustomFooter_col-md-10_hp49n_92 {\n width: 83.33333333%;\n }\n\n .custom_widget_CustomFooter_col-md-12_hp49n_93 {\n width: 100%;\n }\n}\n@media screen and (min-width: 992px) {\n .custom_widget_CustomFooter_col-lg-2_hp49n_94 {\n width: 16.66666667%;\n }\n\n .custom_widget_CustomFooter_col-lg-4_hp49n_123 {\n /* faking it; should be 33.33333333% */\n width: 25%;\n }\n\n .custom_widget_CustomFooter_col-lg-8_hp49n_95 {\n /* faking it; should be 66.66666667% */\n width: 75%;\n }\n\n .custom_widget_CustomFooter_col-lg-10_hp49n_133 {\n width: 83.33333333%;\n }\n\n .custom_widget_CustomFooter_col-lg-12_hp49n_96 {\n width: 100%;\n }\n}\n.custom_widget_CustomFooter_pull-left_hp49n_142 {\n float: left;\n width: 100%;\n\n @media screen and (min-width: 767px) {\n float: none;\n width: auto;\n }\n\n @media screen and (min-width: 992px) {\n float: left;\n }\n}\n.custom_widget_CustomFooter_pad-bottom-20_hp49n_156 {\n padding-bottom: 1.25rem;\n}\n.custom_widget_CustomFooter_pad-top-20_hp49n_160 {\n padding-top: 1.25rem;\n}\n.custom_widget_CustomFooter_pad-top-30_hp49n_164 {\n padding-top: calc(0.9375rem * 2);\n}\n.custom_widget_CustomFooter_pad-top-40_hp49n_168 {\n @media screen and (min-width: 992px) {\n padding-top: 2.5rem;\n }\n}\n.custom_widget_CustomFooter_margin-left-20_hp49n_174 {\n @media screen and (min-width: 992px) {\n margin-left: 1.25rem;\n }\n}\n.custom_widget_CustomFooter_margin-top-20_hp49n_180 {\n @media screen and (min-width: 992px) {\n margin-top: 1.25rem;\n }\n}\n.custom_widget_CustomFooter_text-center_hp49n_186 {\n text-align: center;\n}\n.custom_widget_CustomFooter_text-right_hp49n_190 {\n text-align: right;\n}\n.custom_widget_CustomFooter_text-smaller_hp49n_194,\n.custom_widget_CustomFooter_text-small_hp49n_194 {\n font-size: 0.75rem;\n}\n.custom_widget_CustomFooter_text-large_hp49n_199 {\n font-size: 1.25rem;\n}\n.custom_widget_CustomFooter_footer-contact_hp49n_203 {\n p {\n display: flex;\n flex-direction: row;\n justify-content: center;\n align-items: center;\n\n @media screen and (min-width: 992px) {\n display: block;\n }\n\n .custom_widget_CustomFooter_text-small_hp49n_194 {\n @media screen and (max-width: 991px) {\n font-size: 1rem;\n }\n }\n }\n\n .custom_widget_CustomFooter_icon-gs-app_hp49n_221 {\n margin-right: 1.25rem;\n max-width: 2.375rem;\n padding-right: 0.125rem;\n padding-top: 0.125rem;\n\n @media screen and (min-width: 992px) {\n margin-left: 8.75rem;\n margin-right: 0;\n }\n }\n\n .custom_widget_CustomFooter_gsi-icon-phone_hp49n_233 {\n margin-bottom: -0.125rem;\n margin-right: 0.625rem;\n max-height: 1.25rem;\n width: 1.25rem;\n\n @media screen and (min-width: 992px) {\n margin-right: 0;\n }\n }\n}\n.custom_widget_CustomFooter_footer-link_hp49n_245 {\n a,\n button {\n color: #dfdfdf;\n padding: 0 0.75rem 0 0.625rem;\n }\n\n li:last-child a {\n padding-right: 0;\n }\n}\n.custom_widget_CustomFooter_footer-top-links_hp49n_257 {\n padding-left: 0;\n list-style: none;\n display: flex;\n flex-direction: row;\n justify-content: center;\n align-items: center;\n flex-wrap: wrap;\n margin-bottom: 0.625rem;\n font-size: 1rem;\n\n @media screen and (max-width: 480px) {\n flex-direction: column;\n }\n\n @media screen and (min-width: 992px) {\n display: block;\n }\n\n li {\n margin-bottom: 1.25rem;\n padding: 0 1.25rem;\n\n @media screen and (min-width: 992px) {\n padding: 0;\n }\n }\n}\n.custom_widget_CustomFooter_footer-top_hp49n_257 {\n border-bottom: 2px solid #c7c7c7;\n display: block;\n margin: auto;\n padding-top: 0.625rem;\n text-align: center;\n\n @media screen and (min-width: 992px) {\n text-align: left;\n }\n\n .custom_widget_CustomFooter_footer-logo_hp49n_297 {\n max-height: 3.75rem;\n max-width: 8.75rem;\n padding: 0.625rem;\n padding-left: 0;\n padding-top: 0;\n }\n\n .custom_widget_CustomFooter_footer-list_hp49n_305 {\n display: flex;\n justify-content: center;\n align-items: center;\n list-style: none;\n margin-bottom: 0;\n\n @media screen and (min-width: 992px) {\n display: block;\n float: right;\n }\n\n li {\n display: inline-block;\n padding: 0.625rem 0.3125rem;\n\n @media screen and (min-width: 992px) {\n border-right: 1px solid #666;\n float: left;\n padding: 0;\n\n &:last-child {\n border-right: 0;\n }\n }\n\n a,\n button {\n font-size: 0.75rem;\n text-transform: uppercase;\n\n @media screen and (max-width: 768px) {\n display: block;\n padding: 0.625rem;\n }\n\n @media screen and (min-width: 992px) {\n font-size: 0.875rem;\n }\n }\n\n .custom_widget_CustomFooter_dropup_hp49n_346 {\n background-clip: padding-box;\n border: none;\n font-size: 0.875rem;\n list-style: none;\n padding-left: 0.3125rem;\n position: relative;\n\n @media screen and (min-width: 992px) {\n float: left;\n }\n\n &:hover {\n .custom_widget_CustomFooter_dropdown-menu_hp49n_359 {\n display: block;\n }\n }\n }\n\n .custom_widget_CustomFooter_footer-dropup-toggle_hp49n_365 {\n background: none;\n border: 0;\n padding: 0;\n\n .custom_widget_CustomFooter_fa-angle-up_hp49n_370 {\n /* @include li-icon ($fa-var-angle-up, $pseudo: before, $size: $theme-type-size-base, $color: $goodsam-gray-footer);\n padding-left: $theme-space-xsmall;\n padding-right: $theme-space-xsmall; */\n }\n }\n\n .custom_widget_CustomFooter_dropdown-menu_hp49n_359 {\n background-color: #fff;\n border-radius: 0.25rem;\n bottom: 100%;\n margin: 0.125rem 0 0;\n min-width: 10rem;\n padding: 0.3125rem 0;\n position: absolute;\n right: 0;\n\n li {\n border-right: 0;\n float: none;\n text-align: left;\n\n @media screen and (max-width: 768px) {\n display: block;\n }\n\n a {\n color: #474442;\n display: block;\n text-transform: none;\n\n &:hover {\n outline: 5px auto -webkit-focus-ring-color;\n outline-offset: -2px;\n }\n }\n }\n }\n }\n }\n}\n.custom_widget_CustomFooter_footer-terms_hp49n_412 {\n display: flex;\n flex-direction: column;\n justify-content: center;\n align-items: center;\n padding: 0.625rem 0;\n\n @media screen and (min-width: 992px) {\n display: block;\n padding: 0;\n }\n\n > .custom_widget_CustomFooter_row_hp49n_60 {\n padding-bottom: 0.625rem;\n\n @media screen and (min-width: 992px) {\n padding-bottom: 1.25rem;\n }\n\n &.custom_widget_CustomFooter_footer-terms-order-1_hp49n_431 {\n 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Insurance & Teen Driver?","moderationData":{"__ref":"ModerationData:moderation_data:1888616"},"body":"
mlts22 wrote:
The only reason why I'd not exclude her on the RV (although it definitely wouldn't be her primary vehicle) is in case of an emergency, just because when stuff goes bad, it goes bad in mass quantities, so she might have to drive, then someone hits the RV.



I would go with what is obvious, excluded driver. Your scenario has a slim to none chance of happening. If you feel better put her on the insurance plan.People that over think

all possibilities are the reason why extended warranties are so popular and 72% are never used. As always, consult with your insurance agent.","body@stripHtml({\"removeProcessingText\":false,\"removeSpoilerMarkup\":false,\"removeTocMarkup\":false,\"truncateLength\":200})@stringLength":"203","kudosSumWeight":0,"repliesCount":0,"postTime":"2015-07-20T07:49:45.000-07:00","lastPublishTime":"2015-07-20T07:49:45.000-07:00","metrics":{"__typename":"MessageMetrics","views":434},"visibilityScope":"PUBLIC","placeholder":false,"originalMessageForPlaceholder":null,"isEscalated":null,"solution":false,"entityType":"FORUM_REPLY","eventPath":"grouphub:Motorhomes/category:TRAVELCENTER/community:feyqc97479board:Motorhomesforum-board/message:1888599/message:1888616","replies":{"__typename":"MessageConnection","pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null},"edges":[]},"customFields":[],"readOnly":false,"editFrozen":false,"body@stringLength":"646","rawBody":"
mlts22 wrote:
The only reason why I'd not exclude her on the RV (although it definitely wouldn't be her primary vehicle) is in case of an emergency, just because when stuff goes bad, it goes bad in mass quantities, so she might have to drive, then someone hits the RV.



I would go with what is obvious, excluded driver. Your scenario has a slim to none chance of happening. If you feel better put her on the insurance plan.People that over think

all possibilities are the reason why extended warranties are so popular and 72% are never used. As always, consult with your insurance agent.","images":{"__typename":"AssociatedImageConnection","edges":[],"totalCount":0,"pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null}},"attachments":{"__typename":"AttachmentConnection","pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null},"edges":[]},"timeToRead":1,"currentRevision":{"__ref":"Revision:revision:1888616_1"},"latestVersion":null,"messagePolicies":{"__typename":"MessagePolicies","canModerateSpamMessage":{"__typename":"PolicyResult","failureReason":{"__typename":"FailureReason","message":"error.lithium.policies.feature.moderation_spam.action.moderate_entity.allowed.accessDenied","key":"error.lithium.policies.feature.moderation_spam.action.moderate_entity.allowed.accessDenied","args":[]}}}},"User:user:1894":{"__typename":"User","id":"user:1894","uid":1894,"login":"Lumpty","biography":null,"registrationData":{"__typename":"RegistrationData","status":null,"registrationTime":"2002-03-29T11:48:20.000-08:00"},"deleted":false,"email":"","avatar":{"__typename":"UserAvatar","url":"https://community.goodsam.com/t5/s/feyqc97479/m_assets/avatars/default/avatar-9.svg?time=1737155183000"},"rank":{"__ref":"Rank:rank:42"},"entityType":"USER","eventPath":"community:feyqc97479/user:1894"},"ModerationData:moderation_data:1888615":{"__typename":"ModerationData","id":"moderation_data:1888615","status":"APPROVED","rejectReason":null,"isReportedAbuse":false,"rejectUser":null,"rejectTime":null,"rejectActorType":null},"ForumReplyMessage:message:1888615":{"__typename":"ForumReplyMessage","author":{"__ref":"User:user:1894"},"id":"message:1888615","revisionNum":1,"uid":1888615,"depth":1,"hasGivenKudo":false,"subscribed":false,"board":{"__ref":"Forum:board:Motorhomesforum-board"},"parent":{"__ref":"ForumTopicMessage:message:1888599"},"conversation":{"__ref":"Conversation:conversation:1888599"},"subject":"Re: Insurance & Teen Driver?","moderationData":{"__ref":"ModerationData:moderation_data:1888615"},"body":"LOL

This has not come up on my RV policy with Foremost, but probably because they haven't asked and I haven't mentioned it. 19 y.o. son and 17 y.o. daughter. When I bought the motorhome 4 years ago, I listed myself as the driver 99.9% of the time, with my wife the other 0.1%. She has yet to sit in the driver's seat.

My son on the other hand, drives it on occasion if absolutely warranted, has routinely parked and maneuvered it with and without the 20' enclosed trailer hitched at home to get stuff ready for a trip, and is absolutely the only other one in the household I'd trust to regularly pilot it. But this is not your average teenage driver, not even close. He does close to 40,000 miles a year on the road to and from school and \"commuting\" to the racing and driving schools he works at; has been a top finisher in a SCCA Pro Racing series the last three years. Those \"commutes\"? His \"jobs\" home for the summer from college are performance driving instruction gigs making $300-$400 a day, at race tracks all over the northeast and southeast.

Unfortunately, even though he teaches teen driving safety courses among stuff he does, it doesn't make a penny of difference on any vehicle insurance bill of mine. I can only imagine what it would do to the motorhome policy if I did formally add him.","body@stripHtml({\"removeProcessingText\":false,\"removeSpoilerMarkup\":false,\"removeTocMarkup\":false,\"truncateLength\":200})@stringLength":"203","kudosSumWeight":0,"repliesCount":0,"postTime":"2015-07-19T15:23:14.000-07:00","lastPublishTime":"2015-07-19T15:23:14.000-07:00","metrics":{"__typename":"MessageMetrics","views":434},"visibilityScope":"PUBLIC","placeholder":false,"originalMessageForPlaceholder":null,"isEscalated":null,"solution":false,"entityType":"FORUM_REPLY","eventPath":"grouphub:Motorhomes/category:TRAVELCENTER/community:feyqc97479board:Motorhomesforum-board/message:1888599/message:1888615","replies":{"__typename":"MessageConnection","pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null},"edges":[]},"customFields":[],"readOnly":false,"editFrozen":false,"body@stringLength":"1342","rawBody":"LOL

This has not come up on my RV policy with Foremost, but probably because they haven't asked and I haven't mentioned it. 19 y.o. son and 17 y.o. daughter. When I bought the motorhome 4 years ago, I listed myself as the driver 99.9% of the time, with my wife the other 0.1%. She has yet to sit in the driver's seat.

My son on the other hand, drives it on occasion if absolutely warranted, has routinely parked and maneuvered it with and without the 20' enclosed trailer hitched at home to get stuff ready for a trip, and is absolutely the only other one in the household I'd trust to regularly pilot it. But this is not your average teenage driver, not even close. He does close to 40,000 miles a year on the road to and from school and \"commuting\" to the racing and driving schools he works at; has been a top finisher in a SCCA Pro Racing series the last three years. Those \"commutes\"? His \"jobs\" home for the summer from college are performance driving instruction gigs making $300-$400 a day, at race tracks all over the northeast and southeast.

Unfortunately, even though he teaches teen driving safety courses among stuff he does, it doesn't make a penny of difference on any vehicle insurance bill of mine. I can only imagine what it would do to the motorhome policy if I did formally add him.","images":{"__typename":"AssociatedImageConnection","edges":[],"totalCount":0,"pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null}},"attachments":{"__typename":"AttachmentConnection","pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null},"edges":[]},"timeToRead":1,"currentRevision":{"__ref":"Revision:revision:1888615_1"},"latestVersion":null,"messagePolicies":{"__typename":"MessagePolicies","canModerateSpamMessage":{"__typename":"PolicyResult","failureReason":{"__typename":"FailureReason","message":"error.lithium.policies.feature.moderation_spam.action.moderate_entity.allowed.accessDenied","key":"error.lithium.policies.feature.moderation_spam.action.moderate_entity.allowed.accessDenied","args":[]}}}},"User:user:81479":{"__typename":"User","id":"user:81479","uid":81479,"login":"toedtoes","biography":null,"registrationData":{"__typename":"RegistrationData","status":null,"registrationTime":"2014-05-17T11:24:22.000-07:00"},"deleted":false,"email":"","avatar":{"__typename":"UserAvatar","url":"https://community.goodsam.com/t5/s/feyqc97479/m_assets/avatars/default/avatar-7.svg?time=1737155183000"},"rank":{"__ref":"Rank:rank:40"},"entityType":"USER","eventPath":"community:feyqc97479/user:81479"},"ModerationData:moderation_data:1888614":{"__typename":"ModerationData","id":"moderation_data:1888614","status":"APPROVED","rejectReason":null,"isReportedAbuse":false,"rejectUser":null,"rejectTime":null,"rejectActorType":null},"ForumReplyMessage:message:1888614":{"__typename":"ForumReplyMessage","author":{"__ref":"User:user:81479"},"id":"message:1888614","revisionNum":1,"uid":1888614,"depth":1,"hasGivenKudo":false,"subscribed":false,"board":{"__ref":"Forum:board:Motorhomesforum-board"},"parent":{"__ref":"ForumTopicMessage:message:1888599"},"conversation":{"__ref":"Conversation:conversation:1888599"},"subject":"Re: Insurance & Teen Driver?","moderationData":{"__ref":"ModerationData:moderation_data:1888614"},"body":"
Ponderosa wrote:
I went through this a couple years ago. It may vary by state but I was not required or asked to \"exclude\" them. They are listed as principal driver on one of the vehicles and that is the only one where the rates were changed in my case, IIRC, - and it was not that much anyway. Mine are girls though and got good student credits. It was all far less painful than I was expecting. Ins co is State Farm.


That's my experience. State Farm doesn't require you to exclude them from a vehicle (unless they become a high risk driver).","body@stripHtml({\"removeProcessingText\":false,\"removeSpoilerMarkup\":false,\"removeTocMarkup\":false,\"truncateLength\":200})@stringLength":"203","kudosSumWeight":0,"repliesCount":0,"postTime":"2015-07-19T13:35:10.000-07:00","lastPublishTime":"2015-07-19T13:35:10.000-07:00","metrics":{"__typename":"MessageMetrics","views":433},"visibilityScope":"PUBLIC","placeholder":false,"originalMessageForPlaceholder":null,"isEscalated":null,"solution":false,"entityType":"FORUM_REPLY","eventPath":"grouphub:Motorhomes/category:TRAVELCENTER/community:feyqc97479board:Motorhomesforum-board/message:1888599/message:1888614","replies":{"__typename":"MessageConnection","pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null},"edges":[]},"customFields":[],"readOnly":false,"editFrozen":false,"body@stringLength":"592","rawBody":"
Ponderosa wrote:
I went through this a couple years ago. It may vary by state but I was not required or asked to \"exclude\" them. They are listed as principal driver on one of the vehicles and that is the only one where the rates were changed in my case, IIRC, - and it was not that much anyway. Mine are girls though and got good student credits. It was all far less painful than I was expecting. Ins co is State Farm.


That's my experience. State Farm doesn't require you to exclude them from a vehicle (unless they become a high risk driver).","images":{"__typename":"AssociatedImageConnection","edges":[],"totalCount":0,"pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null}},"attachments":{"__typename":"AttachmentConnection","pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null},"edges":[]},"timeToRead":1,"currentRevision":{"__ref":"Revision:revision:1888614_1"},"latestVersion":null,"messagePolicies":{"__typename":"MessagePolicies","canModerateSpamMessage":{"__typename":"PolicyResult","failureReason":{"__typename":"FailureReason","message":"error.lithium.policies.feature.moderation_spam.action.moderate_entity.allowed.accessDenied","key":"error.lithium.policies.feature.moderation_spam.action.moderate_entity.allowed.accessDenied","args":[]}}}},"User:user:119671":{"__typename":"User","id":"user:119671","uid":119671,"login":"5Mainecampers","biography":null,"registrationData":{"__typename":"RegistrationData","status":null,"registrationTime":"2014-07-04T07:26:05.000-07:00"},"deleted":false,"email":"","avatar":{"__typename":"UserAvatar","url":"https://community.goodsam.com/t5/s/feyqc97479/m_assets/avatars/default/avatar-10.svg?time=1737155183000"},"rank":{"__ref":"Rank:rank:42"},"entityType":"USER","eventPath":"community:feyqc97479/user:119671"},"ModerationData:moderation_data:1888613":{"__typename":"ModerationData","id":"moderation_data:1888613","status":"APPROVED","rejectReason":null,"isReportedAbuse":false,"rejectUser":null,"rejectTime":null,"rejectActorType":null},"ForumReplyMessage:message:1888613":{"__typename":"ForumReplyMessage","author":{"__ref":"User:user:119671"},"id":"message:1888613","revisionNum":1,"uid":1888613,"depth":1,"hasGivenKudo":false,"subscribed":false,"board":{"__ref":"Forum:board:Motorhomesforum-board"},"parent":{"__ref":"ForumTopicMessage:message:1888599"},"conversation":{"__ref":"Conversation:conversation:1888599"},"subject":"Re: Insurance & Teen Driver?","moderationData":{"__ref":"ModerationData:moderation_data:1888613"},"body":"When I added our son to the insurance-- it only affected the rate of the vehicle which we designated as his. The other two cars and RV were not affected.","body@stripHtml({\"removeProcessingText\":false,\"removeSpoilerMarkup\":false,\"removeTocMarkup\":false,\"truncateLength\":200})@stringLength":"155","kudosSumWeight":0,"repliesCount":0,"postTime":"2015-07-19T13:22:13.000-07:00","lastPublishTime":"2015-07-19T13:22:13.000-07:00","metrics":{"__typename":"MessageMetrics","views":433},"visibilityScope":"PUBLIC","placeholder":false,"originalMessageForPlaceholder":null,"isEscalated":null,"solution":false,"entityType":"FORUM_REPLY","eventPath":"grouphub:Motorhomes/category:TRAVELCENTER/community:feyqc97479board:Motorhomesforum-board/message:1888599/message:1888613","replies":{"__typename":"MessageConnection","pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null},"edges":[]},"customFields":[],"readOnly":false,"editFrozen":false,"body@stringLength":"155","rawBody":"When I added our son to the insurance-- it only affected the rate of the vehicle which we designated as his. The other two cars and RV were not affected.","images":{"__typename":"AssociatedImageConnection","edges":[],"totalCount":0,"pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null}},"attachments":{"__typename":"AttachmentConnection","pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null},"edges":[]},"timeToRead":1,"currentRevision":{"__ref":"Revision:revision:1888613_1"},"latestVersion":null,"messagePolicies":{"__typename":"MessagePolicies","canModerateSpamMessage":{"__typename":"PolicyResult","failureReason":{"__typename":"FailureReason","message":"error.lithium.policies.feature.moderation_spam.action.moderate_entity.allowed.accessDenied","key":"error.lithium.policies.feature.moderation_spam.action.moderate_entity.allowed.accessDenied","args":[]}}}},"User:user:337581":{"__typename":"User","id":"user:337581","uid":337581,"login":"Ponderosa","biography":null,"registrationData":{"__typename":"RegistrationData","status":null,"registrationTime":"2003-06-24T12:51:27.000-07:00"},"deleted":false,"email":"","avatar":{"__typename":"UserAvatar","url":"https://community.goodsam.com/t5/s/feyqc97479/m_assets/avatars/default/avatar-8.svg?time=1737155183000"},"rank":{"__ref":"Rank:rank:42"},"entityType":"USER","eventPath":"community:feyqc97479/user:337581"},"ModerationData:moderation_data:1888612":{"__typename":"ModerationData","id":"moderation_data:1888612","status":"APPROVED","rejectReason":null,"isReportedAbuse":false,"rejectUser":null,"rejectTime":null,"rejectActorType":null},"ForumReplyMessage:message:1888612":{"__typename":"ForumReplyMessage","author":{"__ref":"User:user:337581"},"id":"message:1888612","revisionNum":1,"uid":1888612,"depth":1,"hasGivenKudo":false,"subscribed":false,"board":{"__ref":"Forum:board:Motorhomesforum-board"},"parent":{"__ref":"ForumTopicMessage:message:1888599"},"conversation":{"__ref":"Conversation:conversation:1888599"},"subject":"Re: Insurance & Teen Driver?","moderationData":{"__ref":"ModerationData:moderation_data:1888612"},"body":"I went through this a couple years ago. It may vary by state but I was not required or asked to \"exclude\" them. They are listed as principal driver on one of the vehicles and that is the only one where the rates were changed in my case, IIRC, - and it was not that much anyway. Mine are girls though and got good student credits. It was all far less painful than I was expecting. Ins co is State Farm.","body@stripHtml({\"removeProcessingText\":false,\"removeSpoilerMarkup\":false,\"removeTocMarkup\":false,\"truncateLength\":200})@stringLength":"203","kudosSumWeight":0,"repliesCount":0,"postTime":"2015-07-19T08:42:01.000-07:00","lastPublishTime":"2015-07-19T08:42:01.000-07:00","metrics":{"__typename":"MessageMetrics","views":433},"visibilityScope":"PUBLIC","placeholder":false,"originalMessageForPlaceholder":null,"isEscalated":null,"solution":false,"entityType":"FORUM_REPLY","eventPath":"grouphub:Motorhomes/category:TRAVELCENTER/community:feyqc97479board:Motorhomesforum-board/message:1888599/message:1888612","replies":{"__typename":"MessageConnection","pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null},"edges":[]},"customFields":[],"readOnly":false,"editFrozen":false,"body@stringLength":"408","rawBody":"I went through this a couple years ago. It may vary by state but I was not required or asked to \"exclude\" them. They are listed as principal driver on one of the vehicles and that is the only one where the rates were changed in my case, IIRC, - and it was not that much anyway. Mine are girls though and got good student credits. It was all far less painful than I was expecting. Ins co is State Farm.","images":{"__typename":"AssociatedImageConnection","edges":[],"totalCount":0,"pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null}},"attachments":{"__typename":"AttachmentConnection","pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null},"edges":[]},"timeToRead":1,"currentRevision":{"__ref":"Revision:revision:1888612_1"},"latestVersion":null,"messagePolicies":{"__typename":"MessagePolicies","canModerateSpamMessage":{"__typename":"PolicyResult","failureReason":{"__typename":"FailureReason","message":"error.lithium.policies.feature.moderation_spam.action.moderate_entity.allowed.accessDenied","key":"error.lithium.policies.feature.moderation_spam.action.moderate_entity.allowed.accessDenied","args":[]}}}},"User:user:372879":{"__typename":"User","id":"user:372879","uid":372879,"login":"Bumpyroad","biography":null,"registrationData":{"__typename":"RegistrationData","status":null,"registrationTime":"2005-12-01T02:32:30.000-08:00"},"deleted":false,"email":"","avatar":{"__typename":"UserAvatar","url":"https://community.goodsam.com/t5/s/feyqc97479/m_assets/avatars/default/avatar-5.svg?time=1737155183000"},"rank":{"__ref":"Rank:rank:42"},"entityType":"USER","eventPath":"community:feyqc97479/user:372879"},"ModerationData:moderation_data:1888611":{"__typename":"ModerationData","id":"moderation_data:1888611","status":"APPROVED","rejectReason":null,"isReportedAbuse":false,"rejectUser":null,"rejectTime":null,"rejectActorType":null},"ForumReplyMessage:message:1888611":{"__typename":"ForumReplyMessage","author":{"__ref":"User:user:372879"},"id":"message:1888611","revisionNum":1,"uid":1888611,"depth":1,"hasGivenKudo":false,"subscribed":false,"board":{"__ref":"Forum:board:Motorhomesforum-board"},"parent":{"__ref":"ForumTopicMessage:message:1888599"},"conversation":{"__ref":"Conversation:conversation:1888599"},"subject":"Re: Insurance & Teen Driver?","moderationData":{"__ref":"ModerationData:moderation_data:1888611"},"body":"count your blessings that you don't have to insure a teen age male.
bumpy","body@stripHtml({\"removeProcessingText\":false,\"removeSpoilerMarkup\":false,\"removeTocMarkup\":false,\"truncateLength\":200})@stringLength":"74","kudosSumWeight":0,"repliesCount":0,"postTime":"2015-07-19T04:40:06.000-07:00","lastPublishTime":"2015-07-19T04:40:06.000-07:00","metrics":{"__typename":"MessageMetrics","views":433},"visibilityScope":"PUBLIC","placeholder":false,"originalMessageForPlaceholder":null,"isEscalated":null,"solution":false,"entityType":"FORUM_REPLY","eventPath":"grouphub:Motorhomes/category:TRAVELCENTER/community:feyqc97479board:Motorhomesforum-board/message:1888599/message:1888611","replies":{"__typename":"MessageConnection","pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null},"edges":[]},"customFields":[],"readOnly":false,"editFrozen":false,"body@stringLength":"78","rawBody":"count your blessings that you don't have to insure a teen age male.
bumpy","images":{"__typename":"AssociatedImageConnection","edges":[],"totalCount":0,"pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null}},"attachments":{"__typename":"AttachmentConnection","pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null},"edges":[]},"timeToRead":1,"currentRevision":{"__ref":"Revision:revision:1888611_1"},"latestVersion":null,"messagePolicies":{"__typename":"MessagePolicies","canModerateSpamMessage":{"__typename":"PolicyResult","failureReason":{"__typename":"FailureReason","message":"error.lithium.policies.feature.moderation_spam.action.moderate_entity.allowed.accessDenied","key":"error.lithium.policies.feature.moderation_spam.action.moderate_entity.allowed.accessDenied","args":[]}}}},"User:user:141775":{"__typename":"User","id":"user:141775","uid":141775,"login":"mlts22","biography":null,"registrationData":{"__typename":"RegistrationData","status":null,"registrationTime":"2010-11-15T08:24:29.000-08:00"},"deleted":false,"email":"","avatar":{"__typename":"UserAvatar","url":"https://community.goodsam.com/t5/s/feyqc97479/m_assets/avatars/default/avatar-11.svg?time=1737155183000"},"rank":{"__ref":"Rank:rank:42"},"entityType":"USER","eventPath":"community:feyqc97479/user:141775"},"ModerationData:moderation_data:1888610":{"__typename":"ModerationData","id":"moderation_data:1888610","status":"APPROVED","rejectReason":null,"isReportedAbuse":false,"rejectUser":null,"rejectTime":null,"rejectActorType":null},"ForumReplyMessage:message:1888610":{"__typename":"ForumReplyMessage","author":{"__ref":"User:user:141775"},"id":"message:1888610","revisionNum":1,"uid":1888610,"depth":1,"hasGivenKudo":false,"subscribed":false,"board":{"__ref":"Forum:board:Motorhomesforum-board"},"parent":{"__ref":"ForumTopicMessage:message:1888599"},"conversation":{"__ref":"Conversation:conversation:1888599"},"subject":"Re: Insurance & Teen Driver?","moderationData":{"__ref":"ModerationData:moderation_data:1888610"},"body":"The only reason why I'd not exclude her on the RV (although it definitely wouldn't be her primary vehicle) is in case of an emergency, just because when stuff goes bad, it goes bad in mass quantities, so she might have to drive, then someone hits the RV.","body@stripHtml({\"removeProcessingText\":false,\"removeSpoilerMarkup\":false,\"removeTocMarkup\":false,\"truncateLength\":200})@stringLength":"203","kudosSumWeight":0,"repliesCount":0,"postTime":"2015-07-18T23:04:03.000-07:00","lastPublishTime":"2015-07-18T23:04:03.000-07:00","metrics":{"__typename":"MessageMetrics","views":434},"visibilityScope":"PUBLIC","placeholder":false,"originalMessageForPlaceholder":null,"isEscalated":null,"solution":false,"entityType":"FORUM_REPLY","eventPath":"grouphub:Motorhomes/category:TRAVELCENTER/community:feyqc97479board:Motorhomesforum-board/message:1888599/message:1888610","replies":{"__typename":"MessageConnection","pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null},"edges":[]},"customFields":[],"readOnly":false,"editFrozen":false,"body@stringLength":"254","rawBody":"The only reason why I'd not exclude her on the RV (although it definitely wouldn't be her primary vehicle) is in case of an emergency, just because when stuff goes bad, it goes bad in mass quantities, so she might have to drive, then someone hits the RV.","images":{"__typename":"AssociatedImageConnection","edges":[],"totalCount":0,"pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null}},"attachments":{"__typename":"AttachmentConnection","pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null},"edges":[]},"timeToRead":1,"currentRevision":{"__ref":"Revision:revision:1888610_1"},"latestVersion":null,"messagePolicies":{"__typename":"MessagePolicies","canModerateSpamMessage":{"__typename":"PolicyResult","failureReason":{"__typename":"FailureReason","message":"error.lithium.policies.feature.moderation_spam.action.moderate_entity.allowed.accessDenied","key":"error.lithium.policies.feature.moderation_spam.action.moderate_entity.allowed.accessDenied","args":[]}}}},"ModerationData:moderation_data:1888609":{"__typename":"ModerationData","id":"moderation_data:1888609","status":"APPROVED","rejectReason":null,"isReportedAbuse":false,"rejectUser":null,"rejectTime":null,"rejectActorType":null},"ForumReplyMessage:message:1888609":{"__typename":"ForumReplyMessage","author":{"__ref":"User:user:81479"},"id":"message:1888609","revisionNum":1,"uid":1888609,"depth":1,"hasGivenKudo":false,"subscribed":false,"board":{"__ref":"Forum:board:Motorhomesforum-board"},"parent":{"__ref":"ForumTopicMessage:message:1888599"},"conversation":{"__ref":"Conversation:conversation:1888599"},"subject":"Re: Insurance & Teen Driver?","moderationData":{"__ref":"ModerationData:moderation_data:1888609"},"body":"
paullac wrote:
Maybe it's just me (I tend to be cautious) but I can't imagine too many people let their 16 year olds drive their class C's.


Depends on how big the C and the road traveled. My dad had me drive his truck and flatbed trailer along an old highway road when I had my learner's permit. Taught me how to use side mirrors (he had removed the rearview mirror purposely), how to size up space for changing lanes, how to adjust braking and acceleration to account for that big thing hanging off the rear, etc. A small class C would have been much easier to drive.

One thing to remember: if you exclude her now, be sure you get her un-excluded before you start letting her help drive during trips.","body@stripHtml({\"removeProcessingText\":false,\"removeSpoilerMarkup\":false,\"removeTocMarkup\":false,\"truncateLength\":200})@stringLength":"203","kudosSumWeight":0,"repliesCount":0,"postTime":"2015-07-18T19:02:53.000-07:00","lastPublishTime":"2015-07-18T19:02:53.000-07:00","metrics":{"__typename":"MessageMetrics","views":433},"visibilityScope":"PUBLIC","placeholder":false,"originalMessageForPlaceholder":null,"isEscalated":null,"solution":false,"entityType":"FORUM_REPLY","eventPath":"grouphub:Motorhomes/category:TRAVELCENTER/community:feyqc97479board:Motorhomesforum-board/message:1888599/message:1888609","replies":{"__typename":"MessageConnection","pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null},"edges":[]},"customFields":[],"readOnly":false,"editFrozen":false,"body@stringLength":"757","rawBody":"
paullac wrote:
Maybe it's just me (I tend to be cautious) but I can't imagine too many people let their 16 year olds drive their class C's.


Depends on how big the C and the road traveled. My dad had me drive his truck and flatbed trailer along an old highway road when I had my learner's permit. Taught me how to use side mirrors (he had removed the rearview mirror purposely), how to size up space for changing lanes, how to adjust braking and acceleration to account for that big thing hanging off the rear, etc. A small class C would have been much easier to drive.

One thing to remember: if you exclude her now, be sure you get her un-excluded before you start letting her help drive during trips.","images":{"__typename":"AssociatedImageConnection","edges":[],"totalCount":0,"pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null}},"attachments":{"__typename":"AttachmentConnection","pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null},"edges":[]},"timeToRead":1,"currentRevision":{"__ref":"Revision:revision:1888609_1"},"latestVersion":null,"messagePolicies":{"__typename":"MessagePolicies","canModerateSpamMessage":{"__typename":"PolicyResult","failureReason":{"__typename":"FailureReason","message":"error.lithium.policies.feature.moderation_spam.action.moderate_entity.allowed.accessDenied","key":"error.lithium.policies.feature.moderation_spam.action.moderate_entity.allowed.accessDenied","args":[]}}}},"ModerationData:moderation_data:1888608":{"__typename":"ModerationData","id":"moderation_data:1888608","status":"APPROVED","rejectReason":null,"isReportedAbuse":false,"rejectUser":null,"rejectTime":null,"rejectActorType":null},"ForumReplyMessage:message:1888608":{"__typename":"ForumReplyMessage","author":{"__ref":"User:user:81479"},"id":"message:1888608","revisionNum":1,"uid":1888608,"depth":1,"hasGivenKudo":false,"subscribed":false,"board":{"__ref":"Forum:board:Motorhomesforum-board"},"parent":{"__ref":"ForumTopicMessage:message:1888599"},"conversation":{"__ref":"Conversation:conversation:1888599"},"subject":"Re: Insurance & Teen Driver?","moderationData":{"__ref":"ModerationData:moderation_data:1888608"},"body":"Insurance companies vary on how they account for household drivers. Some insurance companies (especially low cost ones) will insist that all persons living in the residence are potential drivers. This often happens to young folks who are renting with roommates - the insurance requires each roommate to be named on the insurance because \"they have access to the keys\".

With State Farm, they don't ask you who lives in the household and you only identify the person(s) authorized to drive that vehicle. If you have multiple drivers in the household, you can exclude any on the insurance for a specific vehicle.

As Old Biscuit said, insure your daughter as primary driver for the oldest vehicle. For any other vehicle she may drive, include her as an authorized driver. For the RV, exclude her.","body@stripHtml({\"removeProcessingText\":false,\"removeSpoilerMarkup\":false,\"removeTocMarkup\":false,\"truncateLength\":200})@stringLength":"203","kudosSumWeight":0,"repliesCount":0,"postTime":"2015-07-18T18:56:14.000-07:00","lastPublishTime":"2015-07-18T18:56:14.000-07:00","metrics":{"__typename":"MessageMetrics","views":433},"visibilityScope":"PUBLIC","placeholder":false,"originalMessageForPlaceholder":null,"isEscalated":null,"solution":false,"entityType":"FORUM_REPLY","eventPath":"grouphub:Motorhomes/category:TRAVELCENTER/community:feyqc97479board:Motorhomesforum-board/message:1888599/message:1888608","replies":{"__typename":"MessageConnection","pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null},"edges":[]},"customFields":[],"readOnly":false,"editFrozen":false,"body@stringLength":"821","rawBody":"Insurance companies vary on how they account for household drivers. Some insurance companies (especially low cost ones) will insist that all persons living in the residence are potential drivers. This often happens to young folks who are renting with roommates - the insurance requires each roommate to be named on the insurance because \"they have access to the keys\".

With State Farm, they don't ask you who lives in the household and you only identify the person(s) authorized to drive that vehicle. If you have multiple drivers in the household, you can exclude any on the insurance for a specific vehicle.

As Old Biscuit said, insure your daughter as primary driver for the oldest vehicle. For any other vehicle she may drive, include her as an authorized driver. For the RV, exclude her.","images":{"__typename":"AssociatedImageConnection","edges":[],"totalCount":0,"pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null}},"attachments":{"__typename":"AttachmentConnection","pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null},"edges":[]},"timeToRead":1,"currentRevision":{"__ref":"Revision:revision:1888608_1"},"latestVersion":null,"messagePolicies":{"__typename":"MessagePolicies","canModerateSpamMessage":{"__typename":"PolicyResult","failureReason":{"__typename":"FailureReason","message":"error.lithium.policies.feature.moderation_spam.action.moderate_entity.allowed.accessDenied","key":"error.lithium.policies.feature.moderation_spam.action.moderate_entity.allowed.accessDenied","args":[]}}}},"User:user:318906":{"__typename":"User","id":"user:318906","uid":318906,"login":"Beaker","biography":null,"registrationData":{"__typename":"RegistrationData","status":null,"registrationTime":"2003-07-28T22:11:34.000-07:00"},"deleted":false,"email":"","avatar":{"__typename":"UserAvatar","url":"https://community.goodsam.com/t5/s/feyqc97479/m_assets/avatars/default/avatar-11.svg?time=1737155183000"},"rank":{"__ref":"Rank:rank:42"},"entityType":"USER","eventPath":"community:feyqc97479/user:318906"},"ModerationData:moderation_data:1888607":{"__typename":"ModerationData","id":"moderation_data:1888607","status":"APPROVED","rejectReason":null,"isReportedAbuse":false,"rejectUser":null,"rejectTime":null,"rejectActorType":null},"ForumReplyMessage:message:1888607":{"__typename":"ForumReplyMessage","author":{"__ref":"User:user:318906"},"id":"message:1888607","revisionNum":1,"uid":1888607,"depth":1,"hasGivenKudo":false,"subscribed":false,"board":{"__ref":"Forum:board:Motorhomesforum-board"},"parent":{"__ref":"ForumTopicMessage:message:1888599"},"conversation":{"__ref":"Conversation:conversation:1888599"},"subject":"Re: Insurance & Teen Driver?","moderationData":{"__ref":"ModerationData:moderation_data:1888607"},"body":"
Yup, excluded driver.... won't effect your rates at all.

That's correct, but opens you hope to big liability possibility.","body@stripHtml({\"removeProcessingText\":false,\"removeSpoilerMarkup\":false,\"removeTocMarkup\":false,\"truncateLength\":200})@stringLength":"127","kudosSumWeight":0,"repliesCount":0,"postTime":"2015-07-18T18:18:57.000-07:00","lastPublishTime":"2015-07-18T18:18:57.000-07:00","metrics":{"__typename":"MessageMetrics","views":434},"visibilityScope":"PUBLIC","placeholder":false,"originalMessageForPlaceholder":null,"isEscalated":null,"solution":false,"entityType":"FORUM_REPLY","eventPath":"grouphub:Motorhomes/category:TRAVELCENTER/community:feyqc97479board:Motorhomesforum-board/message:1888599/message:1888607","replies":{"__typename":"MessageConnection","pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null},"edges":[]},"customFields":[],"readOnly":false,"editFrozen":false,"body@stringLength":"158","rawBody":"
Yup, excluded driver.... won't effect your rates at all.

That's correct, but opens you hope to big liability possibility.","images":{"__typename":"AssociatedImageConnection","edges":[],"totalCount":0,"pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null}},"attachments":{"__typename":"AttachmentConnection","pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null},"edges":[]},"timeToRead":1,"currentRevision":{"__ref":"Revision:revision:1888607_1"},"latestVersion":null,"messagePolicies":{"__typename":"MessagePolicies","canModerateSpamMessage":{"__typename":"PolicyResult","failureReason":{"__typename":"FailureReason","message":"error.lithium.policies.feature.moderation_spam.action.moderate_entity.allowed.accessDenied","key":"error.lithium.policies.feature.moderation_spam.action.moderate_entity.allowed.accessDenied","args":[]}}}},"CachedAsset:text:en_US-components/community/NavbarDropdownToggle-1741694506000":{"__typename":"CachedAsset","id":"text:en_US-components/community/NavbarDropdownToggle-1741694506000","value":{"ariaLabelClosed":"Press the down arrow to open the menu"},"localOverride":false},"CachedAsset:text:en_US-components/messages/EscalatedMessageBanner-1741694506000":{"__typename":"CachedAsset","id":"text:en_US-components/messages/EscalatedMessageBanner-1741694506000","value":{"escalationMessage":"Escalated to Salesforce by {username} on {date}","viewDetails":"View Details","modalTitle":"Case Details","escalatedBy":"Escalated by: ","escalatedOn":"Escalated on: ","caseNumber":"Case Number: ","status":"Status: ","lastUpdateDate":"Last Update: ","automaticEscalation":"automatic escalation","anonymous":"Anonymous"},"localOverride":false},"CachedAsset:text:en_US-components/users/UserLink-1741694506000":{"__typename":"CachedAsset","id":"text:en_US-components/users/UserLink-1741694506000","value":{"authorName":"View Profile: {author}","anonymous":"Anonymous"},"localOverride":false},"CachedAsset:text:en_US-shared/client/components/users/UserRank-1741694506000":{"__typename":"CachedAsset","id":"text:en_US-shared/client/components/users/UserRank-1741694506000","value":{"rankName":"{rankName}","userRank":"Author rank {rankName}"},"localOverride":false},"CachedAsset:text:en_US-components/messages/MessageTime-1741694506000":{"__typename":"CachedAsset","id":"text:en_US-components/messages/MessageTime-1741694506000","value":{"postTime":"Published: {time}","lastPublishTime":"Last Update: {time}","conversation.lastPostingActivityTime":"Last posting activity time: {time}","conversation.lastPostTime":"Last post time: {time}","moderationData.rejectTime":"Rejected time: {time}"},"localOverride":false},"CachedAsset:text:en_US-components/messages/MessageSolvedBadge-1741694506000":{"__typename":"CachedAsset","id":"text:en_US-components/messages/MessageSolvedBadge-1741694506000","value":{"solved":"Solved"},"localOverride":false},"CachedAsset:text:en_US-components/messages/MessageSubject-1741694506000":{"__typename":"CachedAsset","id":"text:en_US-components/messages/MessageSubject-1741694506000","value":{"noSubject":"(no subject)"},"localOverride":false},"CachedAsset:text:en_US-components/messages/MessageBody-1741694506000":{"__typename":"CachedAsset","id":"text:en_US-components/messages/MessageBody-1741694506000","value":{"showMessageBody":"Show More","mentionsErrorTitle":"{mentionsType, select, board {Board} user {User} message {Message} other {}} No Longer Available","mentionsErrorMessage":"The {mentionsType} you are trying to view has been removed from the community.","videoProcessing":"Video is being processed. 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