Cinder1114
recently joined
Reged: 01/08/12
Posts: 7
Loc: DC Metro
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How do you handle covering a new teen driver? I am a stepmom -- my husband's 16yo lives with her mother and we get her and her younger sister every other weekend. We had a car that we could've sold a year ago when my husband got a company car, but we chose to keep it for the 16yo to learn on. We have 2 more years of payments on it. The mother expects us to put the 16yo on OUR insurance in a few weeks if she passes her test. She says she can only pay "a third" of the car insurance and wants to see paperwork once we add the 16yo to our policy. If my husband and I are paying $160/mo for a car payment to help out with everything AND the 16yo lives primarily with her mother, then who should be covering the child?
I think that because the car is still in the bank's name and we owe payments on it, we may have to insure her on "OUR" car. What is fair? What is legal? What experiences have you had in Maryland? The mother is a piece of work and my husband pays way more for the kids than the legal docs state he has to. I am thoroughly frustrated, esp since the 16yo has yet to get a job or get off of her a$$ and expects everything to be handed to her. Help!
Edited by Cinder1114 (01/08/12 07:30 PM)
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youngatheart
Carpal \'Tunnel
Reged: 09/03/05
Posts: 9400
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I think your husband and his ex need to sit down and discuss how they're going to handle a car and insurance for BOTH children. I don't know how old the younger girl is, but at some point she will be 16 too, right? So, a discussion needs to happen about expectations.
For us, my ex and I decided to split the kids regarding buying a car. I will buy for our daughter and he will buy for our son. The insurance hasn't been worked out yet, but I'm hoping he'll supply half the costs of it when the time comes.
One thing I do know is that our kids won't be getting a job to cover the costs. And that does not equate to them sitting on their a$$es.
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Cinder1114
recently joined
Reged: 01/08/12
Posts: 7
Loc: DC Metro
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The second daughter is a 10yo and most likely will be our cost when the time comes. I'm just concerned now because we have the issue of us owning the car, but the 16yo living primarily with her mother. Believe me, we're trying to discuss this with the mother, but she's being cheap and difficult. I guess we could always hold the keys and the problem would be solved. I'm trying to convince my husband that until the 16yo gets a job, she won't get the car. It's a privilege to drive at her age right now, not a necessity.
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youngatheart
Carpal \'Tunnel
Reged: 09/03/05
Posts: 9400
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How lovely of you.
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Sadie
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Reged: 06/03/05
Posts: 567
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Cinder, what my hubby did was to just leave the cost of car and insurance up to bm. He pays his cs every month, and sd and bm can work out the cost between them.
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Sadie
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Reged: 06/03/05
Posts: 567
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YAH, what is wrong with expecting the bm to share in the cost. The father is covering the cost of car payments, that would lead me to believe that the car is a newer model, why is it not fair for the bm to pay the insurance??? That would be fair.
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youngatheart
Carpal \'Tunnel
Reged: 09/03/05
Posts: 9400
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Maybe it would be, maybe it wouldn't. Depending on child support amount, income of the individuals, cost of the car, cost to insure the car, etc.
Which is why I suggested that mom and dad sit down together to discuss it...for the older child and the younger child.
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gr8Dad
Carpal \'Tunnel
Reged: 06/07/04
Posts: 30386
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Yeah, imagine that, expecting a child that you want to trust with a couple of thousand pound piece of steel that travels at 65 miles an hour to be responsible for anything. And please explain how the amount of child support or the incomes of the parents would justify Dad paying for ALL of the expenses of the child driving.
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Why give a "senior" discount, they have had plenty of time to raise the money...
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despedina
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Reged: 08/14/06
Posts: 697
Loc: Hillsboro, MO
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Do you live in an area where they 16 yo has to have a car? We plan on allowing my daughter to drive one of our cars and we already know we can expect no help on insurance from dad. That said my daughter will only be driving when necessary. The bus takes her to school just fine.
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youngatheart
Carpal \'Tunnel
Reged: 09/03/05
Posts: 9400
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A child does not have to have a job to be responsible for something. But, nice try.
Further, I didn't say that Dad should be paying ALL the expenses. I was actually quite clear that Mom and Dad should sit down together and discuss what works for THEIR situation.
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