Tanker, read the posts again. Anybody who was ever a teenager or raised one knows they all do stupid things from time to time. I don't care if you have the best kid in the world, when you put him behind the wheel of a four thousand pound vehicle and let him on the road, there's a significant chance he'll maim or kill someone. It just makes sense to protect your assets from risk. About half the responses are on the line that the OP wasn't being strict enough with his kid, and all he needs to do is crack down and everything will be fine. You and I both know it doesn't work that way: A teenager is going to engage in risky behavior and you can't watch them 24/7. That's one reason why you need insurance. Of course, anyone with significant assets ought to carry an umbrella policy regardless of whether or not they have reckless teenagers.
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Today's Featured Article - The Day Mom Drove the 8N - by Brian Browning. My Dad was wanting to put in a garden but couldn't operate the 8N and handle the old horse drawn plow he had found and rigged up to use with the tractor. Well, he decided to go get Mom out of the house and have her drive the tractor while he walked behind the plow. You got to understand that while my Mom is a hard worker who will always help whenever she can... she had never operated farm machinery before that day. Dad got her out there, explained how the clutch was the same as in our o
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