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- Accident Lawyer San Antonio May 18, 2012Powered by Max Banner Ads People believe that after they buy an insurance policy they are already covered. They believe that if they are in an injury all they have to accomplish is contact the insurer and all is going to be looked after and everything must to smoothly. But by and large issues don't go […]PersonalInjury
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- Protect Your Insurance Plan With A Personal Injury Lawyer May 17, 2012People think that after they buy an insurance policy they are already insured. They believe that if they are in an injury all they have to do is contact the insurance company and all will be looked after and everything should go smoothly. But generally issues don't go smoothly and that is why it is […]PersonalInjury
- Protect Your Insurance Plan With A Personal Injury Lawyer May 16, 2012People think that after they buy an insurance plan they're absolutely covered. They believe that if they're in an injury all they have to accomplish is contact the insurance company and all will be looked after and things must to smoothly. But generally things do not go smoothly and that's why it is vital that […]PersonalInjury
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There’s no avoiding car insurance. It’s a legal requirement but in the event of needing to make an accident claim or, more importantly, having one made against you, you’ll be grateful you have it. Unfortunately for them, young drivers have a hard time finding car insurance, let alone paying for it. If that sounds familiar, don’t be tempted to break the law to save a bit of cash. In the event of an accident claim you may very well come to regret it.
Not even half of the mainstream insurance companies in the UK will offer insurance to teenage drivers. Amongst those that do, it is common to see quotes as high as £4,000 which is often significantly more than the car is even worth. Male teenage drivers have the priciest premiums because female teenagers are statistically more careful and those that do make an accident claim tend to have lower value claims.
Statistics support the insurance companies’ assumptions that teenage drivers are likely to have an accident claim made against them. Drivers in this age group are ten times more likely to injure or kill someone on the roads than their more experienced counterparts. But in trying to beat the insurance companies and drive down costs, some parents act illegally.
Around one fifth of teenage drivers have no insurance at all, according to the Motor Insurers’ Bureau. For many others ‘fronting’ is a temptation. This is the practice of insuring the parent as the main driver of a car with the teenager as a named driver when in fact it is the son or daughter who is the main driver. This might seem like a money saving option but it is not a good idea. It is not even legal.
In the event of an accident claim being made the insurance company can investigate who really was the main driver and where policy holders have lied, there can be consequences. Both parents and teenagers can be prosecuted and may struggle to get insurance again in the future. Not only this, but insurance companies can also refuse to pay part or all of the accident claim compensation.
Attitude surveys seem to show that many people use ‘fronting’ and that people believe it is harmless. However it certainly isn’t worth risking prosecution, or the cost of a whole accident claim settlement if the insurance company refuses to, no matter how much money you could save.
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