Insurance is one of those dirty words that you only have to deal with once you grow up – kind of like calories and tax – and as a serial procrastinator, I always found that it was best left well alone until I needed it. But from my perspective as a parent, it is an issue that gets entangled in the question of how much we continue to support our kids once they become adults – and a tricky one. For as much as we want to support their growing independence, in certain areas such as car and health insurance, the penalties for youth are unfavorably high and that decision may not necessarily be the right one, for any of the parties involved.
Married to an accountant, I’ve never been given a free hand with the administration of our personal finances, (nor have I ever had very much money to spend), but we have taken a stereotypically gender-based view of who deals with which insurance. I tend to sort out the house stuff because I know exactly how much our eighteen-year-old Ikea furniture is worth (sobs), while he has adopted car and health insurance.
Insurance becomes super-complicated once your kids pass their driving test, as anyone with young adult drivers in the house will testify. Super-complicated, as in super-fucking-stupid-expensive, and while on the one side, you want to encourage their independence, (in the vain hope that they’ll move out quicker), on the other, you’re not sure why you have to remortgage the house for them to trash your car.
If you looked too closely at the statistics of accidents caused by young, inexperienced drivers, you’d never let them get behind the wheel of a car (and certainly not your own). And while the statistics for young adults are terrifying, the statistics for young adults with ADHD are Roseanne Barr-on-Ambien-terrifying, hence the reason we refused to get in the car with Kurt for a very long time, in spite of him being a naturally
fast adept driver as a result of his online twelve-year apprenticeship with Top Gear.
We have regretted that decision many times over the past year as each corner of the old man’s car has been reshaped, (although neither sibling has taken responsibility as of yet), and Kurt has accumulated more parking and speeding fines than earnings. But fortunately, Australia is a nanny state that doesn’t take kindly to free spirits – quite rightly in this instance – and as such, it is unlikely that Kurt will remain in the driver seat for much longer. A fact that didn’t stop him this weekend from going out with a bang. Literally. A minor one, fortunately, thanks to the robustness of the undercarriage of the old man’s car and the softness of the terrain of the roundabout he chose to bypass on his midnight hunt for Coco Pops. However, one that will seriously dent the wallet with an excess on our insurance policy that equates to the cost of Meghan Markel’s wedding dress, meaning anniversary plans may have to be scrapped, and the old man has yet to utter a sentence without a liberal sprinkling of the F word.
Kurt will pay for the damage, over time – no doubt via interest-free installments over the next decade to the bank of mum and dad – and I know I should be grateful that he (or no one else) was hurt, but it has taken all of my strength this week not to call those parents in the US who sued their son to get him out of their home, for a lesson in just how far parenting responsibility extends.