Parents: Charged For Teenager'S Car Insurance

Whether or not your parent's insurance should be raised when a son/daughter reaches the legal driving age and still living at home is an important issue because insurance rates are constantly getting higher and there doesn't seem to be an end. Should the insurance continue, or should there be a stop put to it? It is also an important because either way, someone will end up losing out on income. Some people would favor that most new drivers and teenagers are responsible. Some are quite reliable and can understand that driving is privilege and not a right. Why should all parents with teenagers of legal driving age pay unnecessary insurance when their child has never been in an accident and may never be in one with the fault on their side while still living at home? Others would take the opposing stance citing that by increasing rates, teenagers won't want to pay them and so they will be more cautious on the roads. They also believe that if parents don't pay the insurance, then when their child gets into an accident, the money will be taken out of tax funds to replace the car and to fix any damages. The best position is to not have increased and unnecessary insurance rates unless the legal aged driver has been in multiple accidents when the fault has been his/her own.

There are those however that would disagree with my thesis statement and would indeed argue that until a teenager can prove that he/she is responsible by showing acts of responsibility to elders; peers; younger children; and others, then that person can and will be considered irresponsible. If parents don't pay the insurance rates to replace a damaged car, then the money will end up coming out of our tax funds. If this happens, then everyone in the city, province, or even country will end up paying to replace a car belonging to a young driver. People work hard for their money and would much rather see it go towards education, roads, heath care, and other important needs rather than replacing someone else's car, who they don't even know. By continuing to increase insurance rates, many legal drivers will learn to respect others on the road, pedestrians, and won't get into so many accidents because they won't want to pay these expensive rates.

One argument that strongly supports my thesis statement is that not every teenager in the world, or more specifically North America, are bad drivers. Most actually obey the rules of the road quite well and don't take driving as a right. You can't count the actions of a couple individuals as the whole population of legal drivers who still live at home. Yes, I will agree that some don't follow the rules of the road and do race their friends, drink and drive, or talk on their cell phones. But just because of people doing these things, doesn't necessarily mean that they will get in an accident and if they