Thanks for all the comments. It is still awhile before we reach that age but I like to get the ducks lined up so I know what is coming down the tube at me. If Shelter won't handle this correct with a separate vehicle just for the teen and leave my big trucks alone I will find someone who will. I have talked to our local agent and then called the big office in Columbia, MO and just got someone who said the same with no real answers on the CDL thing. She said " Maybe the teen might be moving something around the driveway or something" Guess she meant you might get the tail backed out in the highway and get hit. They always got a line for you. When I became a teen my folks signed a paper saying I would NOT be driving anything they had and if I did there was zero coverage. Back then I rode a motorcycle and you did not have to have coverage for anything if you did not want to. I figured if I did much damage to anything I might not live to pay the bill so just rode the thing. I kid with no money would not be very interesting to a lawyer. I made it through those years and got insurance when I went to a pickup.
Shelter has another little quirk. When my dad passed away my mother had never drove. But she kept the car and we kids used it to take her to the Doc or things like that. When she turned 70, up went the rates. We said you can plainly see she is just the owner and can not drive it. NO matter. I'm sure there are a lot of widows who do the same. But your a higher risk owning a car in you older years. If we make it to a hundred who knows how high they might raise it. LB
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