Anonymous wrote:OP--you have 2 choices.

1) pay the rate increase (either you or your daughter) or

2) take you daughter off insurance and take away her car. She can ride a bike, uber (that she pays for) or take public transportation.

I have one choice. Pay rate increase. She goes to school in different state and clinical work she does after school on in a sketchy area 10 miles off campus. There are not Ubers or buses.

She can’t pay as I literally pay all her bills. She can’t get insurance on her own and she does not own a car.

This women all I can help she does not file claim trying to blame daughter. Stupid car has check airbag light in but I think just to check it the airbag did not deploy.

OP--you have 2 choices.

1) pay the rate increase (either you or your daughter) or

2) take you daughter off insurance and take away her car. She can ride a bike, uber (that she pays for) or take public transportation.

This was not a merging lane. This was driver did not see bike lane was starting in far right lane to last minute. Old lady in far right lane ending. She swerved left a bit cut in front of daughter slightly in my daughters lane than you see skid marks as she slams on brakes and stops right before bike lane poles.

To be honest I rather she just kept going. Sounds terrible. I rather live with the car as is then deal with insurance issue. No one was hurt and my car I could fix for 1-2k. I rather leave it as is. God help me I have a third kid about to get license next year Which she now has to wait till I get this one off my policy.

Anonymous wrote:I went to scene this morning took pictures. My daughter never left middle lane. Women was in far left which was about to end in bike lane. She moved left slightly her left rear bumper hit daughters front right bumper she then shift back to right a bit and there is a big skid mark and her car stopped a few inches before hitting the bike lane poles.

My daughter issue is she should have been aware driver to right of her had no where to go and should have hit brakes, speed up etc.

I am happy police did not go to scene as she was shaken up and I could not get story off her. My older daughter a grandmother hit her and cop showed up and she was crying and upset and hit her head and was unsure what happened.

The grandmother twisted story around with police report. My daughter next day finally was clear headed enough to explain story and to be honest 50/50. Their needs to be defensive driving taught to teens and a course on what to do after an accident. Older people regularly scam younger people.

For instance my daughters original placement of car would clearly show who’s at fault. Women told daughter back it up and pull behind her for safety and then took pictures of daughter behind her and called it a rear end.

It annoys me as I am a good driver but I was in several accidents many years ago and had never got charged in one accident and got a pay out. It seems these kids panic today and the grownups take advantage.

Your story makes no sense. If the car that your daughter hit was in the left lane and your daughter was in the middle lane, by moving left, the other car would have been moving out of your daughters way onto the shoulder of the road.

Anonymous wrote:

Anonymous wrote:I went to scene this morning took pictures. My daughter never left middle lane. Women was in far left which was about to end in bike lane. She moved left slightly her left rear bumper hit daughters front right bumper she then shift back to right a bit and there is a big skid mark and her car stopped a few inches before hitting the bike lane poles.

My daughter issue is she should have been aware driver to right of her had no where to go and should have hit brakes, speed up etc.

I am happy police did not go to scene as she was shaken up and I could not get story off her. My older daughter a grandmother hit her and cop showed up and she was crying and upset and hit her head and was unsure what happened.

The grandmother twisted story around with police report. My daughter next day finally was clear headed enough to explain story and to be honest 50/50. Their needs to be defensive driving taught to teens and a course on what to do after an accident. Older people regularly scam younger people.

For instance my daughters original placement of car would clearly show who’s at fault. Women told daughter back it up and pull behind her for safety and then took pictures of daughter behind her and called it a rear end.

It annoys me as I am a good driver but I was in several accidents many years ago and had never got charged in one accident and got a pay out. It seems these kids panic today and the grownups take advantage.

Despite her being in the middle lane, you daughter was still at fault. When there is a merging lane on your right, and there is a car in front of your car, you need to slow down and allow that car to merge in. The car in front has the right to merge in and the car in back needs to slow down to allow it. If she did not see the right hand lane ending and that the car to her right was going to have to merge into her lane, she needs to learn to pay better attention. If she was so close to the other car that when it merged in from the ending lane, then she was driving in that driver's blind spot and she was too close.

Again, I reiterate that your daughter needs to go back for a driver's ed course to learn to drive. She's a danger to other drivers because she isn't paying attention to the road around her and she isn't giving enough distance or space from other cars. This should not and does not happen nearly as often to careful drivers. One of these situations is an accident. Two is an irresponsible driver.

“When there is a merging lane on your right, and there is a car in front of your car, you need to slow down and allow that car to merge in.”

While this advice may be the more courteous and even prudent course, the general rule is that the merging vehicle has a duty to yield to traffic already on the highway.

OP, your kid is to blame, not the conniving old grandma. You seem to not want to take responsibility…guess the apple didn’t fall far from the tree here.

It is perfectly fine for someone to turn your daughter’s accident into insurance. That is how insurance works.

Anonymous wrote:I went to scene this morning took pictures. My daughter never left middle lane. Women was in far left which was about to end in bike lane. She moved left slightly her left rear bumper hit daughters front right bumper she then shift back to right a bit and there is a big skid mark and her car stopped a few inches before hitting the bike lane poles.

My daughter issue is she should have been aware driver to right of her had no where to go and should have hit brakes, speed up etc.

I am happy police did not go to scene as she was shaken up and I could not get story off her. My older daughter a grandmother hit her and cop showed up and she was crying and upset and hit her head and was unsure what happened.

The grandmother twisted story around with police report. My daughter next day finally was clear headed enough to explain story and to be honest 50/50. Their needs to be defensive driving taught to teens and a course on what to do after an accident. Older people regularly scam younger people.

For instance my daughters original placement of car would clearly show who’s at fault. Women told daughter back it up and pull behind her for safety and then took pictures of daughter behind her and called it a rear end.

It annoys me as I am a good driver but I was in several accidents many years ago and had never got charged in one accident and got a pay out. It seems these kids panic today and the grownups take advantage.

Despite her being in the middle lane, you daughter was still at fault. When there is a merging lane on your right, and there is a car in front of your car, you need to slow down and allow that car to merge in. The car in front has the right to merge in and the car in back needs to slow down to allow it. If she did not see the right hand lane ending and that the car to her right was going to have to merge into her lane, she needs to learn to pay better attention. If she was so close to the other car that when it merged in from the ending lane, then she was driving in that driver's blind spot and she was too close.

Again, I reiterate that your daughter needs to go back for a driver's ed course to learn to drive. She's a danger to other drivers because she isn't paying attention to the road around her and she isn't giving enough distance or space from other cars. This should not and does not happen nearly as often to careful drivers. One of these situations is an accident. Two is an irresponsible driver.

Anonymous wrote:I went to scene this morning took pictures. My daughter never left middle lane. Women was in far left which was about to end in bike lane. She moved left slightly her left rear bumper hit daughters front right bumper she then shift back to right a bit and there is a big skid mark and her car stopped a few inches before hitting the bike lane poles.

My daughter issue is she should have been aware driver to right of her had no where to go and should have hit brakes, speed up etc.

I am happy police did not go to scene as she was shaken up and I could not get story off her. My older daughter a grandmother hit her and cop showed up and she was crying and upset and hit her head and was unsure what happened.

The grandmother twisted story around with police report. My daughter next day finally was clear headed enough to explain story and to be honest 50/50. Their needs to be defensive driving taught to teens and a course on what to do after an accident. Older people regularly scam younger people.

For instance my daughters original placement of car would clearly show who’s at fault. Women told daughter back it up and pull behind her for safety and then took pictures of daughter behind her and called it a rear end.

It annoys me as I am a good driver but I was in several accidents many years ago and had never got charged in one accident and got a pay out. It seems these kids panic today and the grownups take advantage.

It sounds like your daughter was in her blind spot. A good driver recognizes when they are in someone's blind spot and gets out of it.

Your family seems to get into more car accidents than is normal. You all might want to revisit driving school.

You do nothing but make excuses for your daughter and her lack of driving skills and her dishonesty. I’d take the car for a month minimum, she can figure it out. And get her some driving classes. Otherwise you won’t have insurance at this rate.

Anonymous wrote:OP. These were both roads right by my house. One at 12 noon and one at 6 pm. She is underage and not drinking. Both times I went to scene of accident as at home.

This women literally apologized. The new bike lanes they added may Road narrow at that stretch she moved to left suddenly brakes and daughters right front headlight area hit her rear tail light area.

I guarantee insurance will claim a rearrangement end. She will change story. Hope she does not. But I only care about my rate.

And no she can’t pay difference. My only alternative is to drop her off policy. But who will take her. Under 21 two accidents.

BTW I already kicked other older kid off policy over accident. But she moved out. That one was a nice old lady who cut her off. Her daughter who owned car a bit of con artist. Showed up at scene whispering with her and cop in another language and next thing I know she sued me.

My kids need to learn defensive driving. Nearly all every week someone nearly hits me and I swerve, brake, honk horn and try to keep a lot of distance from other cars. I think I my kids overestimate others driving ability and honesty and costing me a fortune. I would like to check into defensive driving course as that might also lower rate

So both of your kids are bad drivers. A previous poster suggested driving school. That is a good idea.

Your daughter needs to go to a driver's ed course. If you let your insurance know when she completes the driver's ed course, they may drop the rate. Also, you need to read the riot act to your daughter about responsible driving. Was she using her phone when she hit the parked car. The majority of teen driver accidents are caused by distracted driving, either cell phone use or friends in the car that they are paying more attention to than driving. Years, ago, I was a passenger in a car hit by a teen driver. He had three friends in the car and I could see that he was playing around with them and not paying attention to the road when he turned right on red, directly into the car I was riding in. I was in the seat where the impact occurred and saw the driver looking at his friend when he plowed into us. The only reason I didn't get injured was because he was moving slowing making the right on red.

You need to make sure that she understands that she needs to pay full attention to driving The fact that she has had 2 accidents in 6 months means she is not paying enough attention to driving. If she losing her insurance, then it will be her own fault for losing driving privileges. And that type of loss, takes years to recover. If she cannot drive responsibly for the next 2.5 years, she WILL lose her ability to drive and then will have to beg for rides, pay for Uber or use public transportation and it will be because she was completely irresponsible.

You are trying to blame the other drivers (even the driver of the parked car?!?!?!?), but your daughter was in the moving and hitting vehicle, which makes her responsible. Period. Stop victim blaming and work on making your child understand how dangerous she is to other drivers. Tell her she has to find time to take driver's ed, and she needs to pay attention to the safety rules, because she clearly didn't learn those the first time. At that age, she needs to be driving more defensively.

You probably won’t get dropped for two accidents but they stay on your record for 3 years and at a certain point, your carrier might drop you. There are high risk policies which are more than $1k per month and you can’t get wrap around so your personal assets remain at risk. Regardless you’re going to see a major jump in rates. No way around it.

And I agree with PP that she wants a car - doesn’t need one. Check out public transportation options and ride shares. It might be far cheaper than your insurance. That’s what we did for our kid who wasn’t a safe driver.

I went to scene this morning took pictures. My daughter never left middle lane. Women was in far left which was about to end in bike lane. She moved left slightly her left rear bumper hit daughters front right bumper she then shift back to right a bit and there is a big skid mark and her car stopped a few inches before hitting the bike lane poles.

My daughter issue is she should have been aware driver to right of her had no where to go and should have hit brakes, speed up etc.

I am happy police did not go to scene as she was shaken up and I could not get story off her. My older daughter a grandmother hit her and cop showed up and she was crying and upset and hit her head and was unsure what happened.

The grandmother twisted story around with police report. My daughter next day finally was clear headed enough to explain story and to be honest 50/50. Their needs to be defensive driving taught to teens and a course on what to do after an accident. Older people regularly scam younger people.

For instance my daughters original placement of car would clearly show who’s at fault. Women told daughter back it up and pull behind her for safety and then took pictures of daughter behind her and called it a rear end.

It annoys me as I am a good driver but I was in several accidents many years ago and had never got charged in one accident and got a pay out. It seems these kids panic today and the grownups take advantage.

Anonymous wrote:First work on putting together coherent thoughts and sentences.

This. Your post made no sense.

Get the girl an Uber card and a bicycle