Teens Under Insured

Have you looked at the bill for your teen’s car insurance lately? Every month, I like to rip the bill open with thrilling expectation in the hopes that my insurance company is going to throw in cruise tickets with the premium. Nope.

Is there any doubt why teen insurance is two and a half times that of their parents? Reckless abandon with a splash of false immortality – that’s how they drive.

So here’s a question for you, how many opportunities does your teen have in a week to crack the windshield, hit a mailbox or worse, get in a car accident? Plenty, right? Then how much more likely is it that they have a “relationship accident?” Think about the opportunity teens have every day to make a “wrong turn” when it comes to the opposite sex. What would you be willing to pay for “dating insurance” to give you the peace of mind that your little darling is not going to be in a relationship wreck this month?

Hey, maybe I’m onto something! A new business idea; I can sell “dating insurance” to cover all the hazards of teen dating. The coverage could include everything from failing grades to excessive cell phone bills. It would be comprehensive coverage that insured migraines, dating under the influence, pregnancy, harassment and even time off from school for “repair and restoration.”

The best part? I would throw in a “loaner date” when the one your teen invested in breaks down and isn’t going anywhere.

Thoughts?
Lisa j