whenever a newly licensed driver either male of female has ticket or accident problems in the first year, i try to insure the child with a company that is different then his parents and lock him into one car only.
i do this for several reasons. first the parents usually start with the cops are picking on him or her. damn right they are. these are new drivers and they need to respect the law and recognize a car is tranportation not a toy.
second, when the parents make excuses for the child's driving behaviour, i know the parents won't be much help in correcting the child.
i work on a profit sharing with most of my companies and i won't buy a bad risk, it costs me money. i usually place the child with a company that i do not have profit sharing with.
do you take checks from people you suspect are going to bounce the check??
summing up the reasons
1. the parents are making excuses for their child
2. second the parents won't protect the child by correcting him or her.
3. we are dealing with a child.
4. and the last and least important is my profit for the business.