If out of spite you are willing to break the law and put yourself, as well as others, at risk by driving w/o insurance maybe your parents are right to question your decision making ability.
Lethal
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Financing for 17 year olds.
- Thread starter Hummer
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Lethal
true with that attitude you dont deserve a car at all
if i were to get hit by you and it was your fault and my family had significant injuries and you had no insurance to cover them, i would be so angry it wouldnt even be funny
get insurance or dont get a car.....PERIOD
Also, New York State makes it very very hard for you to register an uninsured car (as they should). They require a proof of insurance card from you when you go to the DMV to register, and they also require electronic confirmation from your insurance company.
What's wrong with taking public transit? Your location says Queens, New York which I understand has a decent bus system and offers many ways to get into the main city.
Why don't your parents just help you pay for your own insurance policy? That way it is in your own name so they might not be held as liable if you get into an accident (although since you are a minor I think it is still possible for them to be sued for your actions).
If you really want a car just buy a used one. I hate it when people say used cars are crappy. Get a 1-2 year old used car with under 30k mile on it and the majority of the time you save a good chunk of change on what you would have paid for it new. My first car was a 1 year old pickup truck with 11000 mile on it and still had packaging materials hanging on to it from when it was shipped new. I got it for about $5000-7000 under bluebook and about $10000 under its new price. Plus insurance was cheaper and it was still under manufacturers warranty. Another plus can be buying a certified preowned which usually offers 2 years more warranty in addition to any remaining manufacturers warranty.
My advice, go get yourself a 2-5 year old honda civic. But after saying you'd be willing to drive uninsured out of spite I don't really think your mature enough to be driving anyway. That would also still put your parents at risk of being sued and if you happened to hit and injure someone like me without insurance you'd better believe I'd b going after a nice chuck of change.
Why don't your parents just help you pay for your own insurance policy? That way it is in your own name so they might not be held as liable if you get into an accident (although since you are a minor I think it is still possible for them to be sued for your actions).
If you really want a car just buy a used one. I hate it when people say used cars are crappy. Get a 1-2 year old used car with under 30k mile on it and the majority of the time you save a good chunk of change on what you would have paid for it new. My first car was a 1 year old pickup truck with 11000 mile on it and still had packaging materials hanging on to it from when it was shipped new. I got it for about $5000-7000 under bluebook and about $10000 under its new price. Plus insurance was cheaper and it was still under manufacturers warranty. Another plus can be buying a certified preowned which usually offers 2 years more warranty in addition to any remaining manufacturers warranty.
My advice, go get yourself a 2-5 year old honda civic. But after saying you'd be willing to drive uninsured out of spite I don't really think your mature enough to be driving anyway. That would also still put your parents at risk of being sued and if you happened to hit and injure someone like me without insurance you'd better believe I'd b going after a nice chuck of change.
Only I wish I had another choice that leads to a solution. There is no other way that I could decide that would lead to a solution. But there is something very simple my parents could do to open up my choices. This is the entire point I'm trying to make. They simply could add me to their insurance, I'd save lots of money, be able to keep one job, graduate from high school, not screw up other lives as well as my own, and guess what there isn't one negative there.
Now yes I know its an extremely stupid choice, but I am trying to prove a point to them overall and if they don't see that I'm already going down a bad path with overworking and not caring about anything else, what will make them understand that maybe its not so bad to put me on their insurance. Could they be that blind to not see what I'm doing when I'm blatantly telling them my every move?
Your insurance will only cover everything up to the amount you're covered in each one of their coverage categories. You can be held liable for anything above that coverage. That's why it's good to have high coverage in many cases, especially if you have a lot of assets to loose :cough:expensive home in NY:cough:.
I'm sorry you guys. I hate going into rants, but you guys care too much. :/ And I always feel some need to explain. I am sorry, but I just feel screwed over out of something so simple that I am not asking them to foot. I feel they're saying they can't trust me when even they're in the car they don't want me driving. It deeply saddens me especially when 75% of my friends are driving their parents expensive cars around and I can't get something I'm willing to pay for by working my ass off for it. I've spent years waiting to be able to get my license and a lot of time and work trying to save up money to take classes to make it possible. Not to mention I was an A student on the Honor Roll every semester until this whole thing. But yet my friends get it given to them and I'm not able to even work for it. It's so hurtful.
Sorry for the question, but why do you absolutely haveto have a car, at this point? Your still in highschool. When you go to college you'll haveto get a car (and by that time you'll be 18 (presumably)).
Edit: I just saw ur above comment. Ignore.
Screwing up now on purpose will only hurt your future, not your father's.
Don't worry about it so much at this point man. You're not looking far enough ahead. Not driving for a few years is a good thing, you'll save a lot of money plus you won't have to drive anyone around when they ask for a ride or you go places. You'll be able to drive soon enough in the grand scheme of things, don't worry so much about it. I agree that it sucks that your parents won't put you on their insurance, but you'll just have to deal with it for now, I imagine in a few years or less you'll be driving and wishing you didn't have to spend all your money on gas and insurance. Driving ain't all its cracked up to be, in fact, its a pain in the butt a lot of the time. You live in a huge city, go have some fun without a car. I'd also suggest getting back on that honor roll, school is a lot more important than working a job so you can drive a car. And man, if not getting to drive is hurtful you better man up, because your friends, coworkers, relatives will all get stuff handed to them for the rest of your life that you wish you could have or do, if you let it get you down you'll be leading one sucky, very depressed life.
You have to be 16 to get a permit (so many restrictions and someone must be in the car with you). 18 to get your senior license and drive alone with no restrictins, but there is a program offered by the state through some high schools thats costly if you don't go to one of these schools. You can get your senior license at the age of 17 with this program; which is what I saved up for and endured for 4 long months. It's basically an entire semester long in which you go through intensive driving lessons and you also get a discount on your insurance which doesn't really help at all, but it's just more of a draw to take it.
The class cost me $550 bucks which will ultimately go to waste if I am not able to take advantage of my early license.
Sounds like you're desperate, but you're not willing to make any compromises.
You're going to have to:
Buy a used car + Insurance.
Or
Wait a couple of months until you're 18 and get a loan.
Thats basically it. You're out of options. I've known many stubborn people who are willing to screw themselves up just to prove a point, and its just a sad sight to see, Its not worth it. Suck it up and wait until you're 18. Its just a car, not the end of the world.
Keep in mind that without insurance you won't be able to register that car, and if somehow you drove anyway and got into an accident, your parents will be held liable.
You're going to have to:
Buy a used car + Insurance.
Or
Wait a couple of months until you're 18 and get a loan.
Thats basically it. You're out of options. I've known many stubborn people who are willing to screw themselves up just to prove a point, and its just a sad sight to see, Its not worth it. Suck it up and wait until you're 18. Its just a car, not the end of the world.
Keep in mind that without insurance you won't be able to register that car, and if somehow you drove anyway and got into an accident, your parents will be held liable.
Your parents won't help you out because they are afraid of you getting them sued so you want to create a situation w/a greater chance of you getting them sued.
Touché.
Lethal
It sounds to me like you can't afford a car at this point, nor do you need one. Save your money. If you were looking to spend hundreds each month for a lease then think of how much that will add up to if you just save it instead.
Your parents won't help you out because they are afraid of you getting them sued so you want to create a situation w/a greater chance of you getting them sued.
Touché.
Lethal
The point would be made because the accident is uninsured and therefore the situation would be far more worse than one that is insured because then other charges would come into play whether civil or criminal. The party suing has a better chance of winning the case as you're pretty much guilty riding around with no insurance.
I don't know about today, but 20 years ago, some friends of mine in law enforcement (County Sheriffs and State Police types) both informed me of the characteristics that they look for when pulling over a car if it was speeding. One characteristic was bright color such as red. Another was the type of car. So if you had a red sports car you were much more likely of being pulled over if you were speeding.
Times change so it could be different today.
Actually it will not as you have learned how to drive safely.
Good idea.
Not a good idea.
What you do now, is going to affect you for many years to come.
There is no need to have a car in HS. Sure it's nice, but not required.
Your father's fears are real. A prominent politician here in BC's teenage daughter (with a valid DL and everything) ran into someone while under her father's insurance, and crippled the other driver for life. The father was sued successfully for something like 2 million dollars and lost everything - savings, house and all.
There's a word for your attitude - intransigent. Your posts come across as someone who is convinced that they have the only answer, there is no compromise possible, and #$% the world if they don't agree with me.
Now, that's not uncommon in teenagers, and not uncommon in family relationships.
But as a father, the attitude that is being communicated sounds to me like someone I would not trust as being mature enough to make decisions around driving.
Those words scare the bejeesus out of me. You are not willing to admit there may be a compromise, AND you are willing to break the law and do something risky to prove a point.
You were my son, you'd have a bushel of maturity to show before you would be allowed to drive.
There's a word for your attitude - intransigent. Your posts come across as someone who is convinced that they have the only answer, there is no compromise possible, and #$% the world if they don't agree with me.
Now, that's not uncommon in teenagers, and not uncommon in family relationships.
But as a father, the attitude that is being communicated sounds to me like someone I would not trust as being mature enough to make decisions around driving.
Those words scare the bejeesus out of me. You are not willing to admit there may be a compromise, AND you are willing to break the law and do something risky to prove a point.
You were my son, you'd have a bushel of maturity to show before you would be allowed to drive.
If you do something stupid (and illegal) and drive without insurance, the only thing you'll be proving to your parents is that they're 100% correct in not helping you get a car.
Going solely by the posts in this thread I wouldn't trust you w/a pair of safety scissors let alone a freakin' car. Take a step back and look at what you are wishing for. You want to break the law by the driving w/o insurance and hopefully injure an innocent person to the point that they'll sue your parents for a sh*t load of money they don't have. You want to ruin two families (yours and your victims) for what? To prove to your parents that you are too irresponsible to get a car?
WTF is wrong w/you? Grow the f**k up. Your almost 18 so it's a good time to start acting like more of a man and less like a child that'll break his toys if he doesn't get his way.
Also, publicly planning your desire to drive w/o insurance and run someone over on a public message board isn't too bright either.
Lethal
To me, all I hear is: "I want a car now because all my friends have one and my friends friends have one and I want one NOWWWWW!"
You're (apparently) willing to drop out of high school, break the law and spend all your money just to have a car that you don't need.
A 17 year old can not get financing. Thats just the reality of it. Not due to credit score, because it is simply not legal. At 17, you can not sign a contract, and that is exactly what a loan or a payment plan is. NOT POSSIBLE.
If you are really willing to drive uninsured because you are too impatient or too headstrong to use the very competent public transportation, then you are not mature enough to drive a car, let alone manage a loan.
Get real. I understand why your dad doesn't want to be involved with this, because you simply haven't though anything through.
edit: My comments were based mostly on his quote here,
"It deeply saddens me especially when 75% of my friends are driving their parents expensive cars around and I can't get something I'm willing to pay for by working my ass off for it. I've spent years waiting to be able to get my license and a lot of time and work trying to save up money to take classes to make it possible. Not to mention I was an A student on the Honor Roll every semester until this whole thing. But yet my friends get it given to them and I'm not able to even work for it. It's so hurtful."
Please, hand me my tiny violin.
You're (apparently) willing to drop out of high school, break the law and spend all your money just to have a car that you don't need.
A 17 year old can not get financing. Thats just the reality of it. Not due to credit score, because it is simply not legal. At 17, you can not sign a contract, and that is exactly what a loan or a payment plan is. NOT POSSIBLE.
If you are really willing to drive uninsured because you are too impatient or too headstrong to use the very competent public transportation, then you are not mature enough to drive a car, let alone manage a loan.
Get real. I understand why your dad doesn't want to be involved with this, because you simply haven't though anything through.
edit: My comments were based mostly on his quote here,
"It deeply saddens me especially when 75% of my friends are driving their parents expensive cars around and I can't get something I'm willing to pay for by working my ass off for it. I've spent years waiting to be able to get my license and a lot of time and work trying to save up money to take classes to make it possible. Not to mention I was an A student on the Honor Roll every semester until this whole thing. But yet my friends get it given to them and I'm not able to even work for it. It's so hurtful."
Please, hand me my tiny violin.
Hummer you have a lot to learn.
First off going on your parent coverage (you paying the rate increase) will protect them the most from getting sued because they insurances is going to be higher coverage than what you would be paying and cheaper to boot because as long as under 18 they are the ones hit when it goes. Hell as long as you are in college when the other person sues it will go after your parents. Friend of mine had that happened. The case was pretty lame. His parents would getting sued for negligent in letting him drive. He was 20 at the time and first time anything had ever happen including tickets
2ndly if you do get sued the insurance company handles the case. This is speaking for personal experience. Both my brother and I where sued when we where 17 for wrecks. It all goes though insurances. Both the cases where pretty lame but the insurance company hands the case.
As for your reasoning for needing a car. It is pretty lame. I can tell you the reason my brother, sister and I all got cars. Our lives are busy. We all had to be different places. When I was a teenager my sister was in like 6-7th grade and my parents where busy with her and I still needed to be able to get to band and other things like that so a car was given to me to free up time and make it one less person to worry about. Brother same reason. My sister the youngest got a car, first both her older brothers got one. 2nd she so busy at school it really helps out my parents having the extra driver.
I will say it is a pain to park all our cars in the drive way when my brother and I come home on a weekend. The drive way is not exactly designed to handle 6 vehicles. Yes there are 5 drivers and 6 vehicles. The 6th being a Dodge ram that is used as a truck mostly for what it was designed for. Hauling stuff. It some times used by me to get around if I happened to of flown home and left my car back in my respective city.