My 17-year-old son doesn’t want to get car insurance.

He says I should just pay out of pocket if he gets into an accident, but he also says, that will likely never happen because he’s a good driver. What should I do?

First of all it is illegal to drive without at least liability insurance. The driver is responsible for damages they cause. Vehicle and property damage will run in the thousands. Medical bills can run hundreds of thousands. Without insurance you will be sued for the money and lose.

Second, if you are hit by an uninsured driver your insurance will have to pay for your damage and medical bills. That is what happened to me. My insurance company the sued him to get their money back.

Third, no one is a good driver until they have been doing it for at least five years. In thirty years of driving, I have driven in nearly every bad driving condition imaginable. I have seen just about every stupid thing that other drivers can do. I can almost always predict what other drivers are going to do before they do it. That only comes with experience and miles down the road. I have hundreds of thousands of miles under my tires and many thousands of hours behind the wheel. There is no substitute for experience.

Fourth, what does he mean you should pay for the damage? How arrogant is he? What will he say if someone is in intensive care for a couple weeks and you have to sell your house and everything else to pay for the lawsuit? It’s time for him to grow a pair and act like the adult he claims to be.

Finally, it will be cheaper to have him on your insurance for now. It will also be cheaper if he gets good grades in school. If he really wants to grow up, he can get a job and pay for the insurance as well.