stupid sh*t- just read.

ok, i am 18, for the longest time i have wanted a damn sport bike. my mom said she would not pay a penny towards it- that was fine because it would be one of the few 'big ticket' things i bought on my own. well, i finnally bought one. its a 2001 Honda CBR600. it only cost me $1,400 because i have a good freind whos dad owns a used car place! well, 1400 + i gave 200 for the troubble... but still, beat that!! so i bought it - without telling my parents, i wanted to surprise them- bring it home and when my mom gets home she is like "well, you should have said you had the $$ to buy it, i would have told you we couldn't afford to have the Xtra insurance." and i am like WTF?!!?!? YOU are not paying shit. i am. then she goes off about some BULLSHIT that i have to have 255,000/?? liability AND it has to be on their policy (bill wont be in my name = no credit)! wtf? this shit sucks. she is telling me i cant insure it for another month or 2 b/c "she cant afford to add it, it will make their policy go up." ok now if my mom made like 30-40k a year or something i could see this, but NO she makes near 6 figures but she "cant afford it" then she tells me that sense i have the $$ to buy a bike i should have the damn $$ to pay my own car insurance... ok some of you are saying well, you SHOULD be paying your own insrance... i payed my own shit though highschool and with the coverage she was forcing me to carry it was a little over 250 a month (about 3k per year) because she wanted me to 'learn to respect $$' ok, thats fine! i think it was a little much to ask, sence she was makeing me carry so much Xtra, but ok w/e. well, when i got to college she said she would take over insurance so i could work just a few hours a week for Xtra spending cash YES, COOL, GREAT. see the problem here? now she turns back around and said i should be paying my own insurance if i can afford a bike. i work about 14 hours a week, between gas and a girlfreind that doesn't leave much, let alone pay insurance. i was planing on stepping up a few hours to pay my insurance for the bike. i worked all last summer for this bike (and the little bit of sound in my car) and saved every scrap of change i could get durring the school year to get this thing - i even saved the $25 to get a parking permit and walked like 5 blocks to the campus- i prove the long way to school because of the toll on the causeway ($3, i pay $2 because of the regular commuters pass thing) made it cheeper to drive around it to the twinspan (about $1.30 extra in gas total, i did my math), and now she is pulling this fucking bullshit.

she owns my car that i drive - the one in my sig. so if i just tell her to fuck off the worst she can do is take that. the bike is in my damn name so she can not tuch that thing. and i have a 1990 civic HB in my name ...thats not running. she has been persistant about this shit sence i bought it - about a week ago threating to just take it out of my checking (the main one i use she has her name on as well, my other account and my savings she can not touch), so i am thinking i can tell her to fuck off, fix the old hatch, and move to the dorms at UNO. the insurance on the hatch was 110/month with her coverage so i think like 80 or so minimum, and the bike was 43.51 full coverage and the dorm would be 220. so something like 345 monthly + food and stuff if i left home. ugh. i am thinking i could lease the dorm for the summer, work like a bitch durring the summer and *hopefully* have the $$ to float me tell next summer. or at least get a loan for houseing.

thats the situation i am in... if i stay at home she wants me to pay $250 insurance (hahahahahhaha, more hours JUST to have THAT, nevermind gas $ and "friday/saterday" $) i am taking 18 hours to make up for the damn demv course that i had to take, extra time is hard to make. i am NOT selling that damn bike, if i give her back her fucking car i have about $500 left in stero stuff that i will take with me. i dont know what i should do right now. --oh, she also refuses to pay my damn college stuff because she "doesn't think i will be able to make it" why? because i only had a 2.67 (overall- 2.49 core) GPA and she wouldn't take anything less than a 3.5. for those that know the TOPS cutoff is 2.5 (core class)... that is free school. but NO, i had a god damn 2.49.

i feel better already, now that i have typed it all out... i think i will move. time to move out anyway. -for those who acctually read all of that, i am really sorry... i know my typeing SUCKS, so does my grammer, live with it.

I feel your pain

my parents always were on me about everything, cars, life, women. I hated it and finally I told them to fuck off *in much nicer words* and moved,

Life has never been better!

its harder but much better.

Good luck to you man, your stickin up for yourself, and thats what ya gotta do.

Here's all I really have to say to you, why should your mom pay insurance on something she didn't want to have? You didn't consult her on this, gave her no warning, nothing. It's her money, if she doesn't want to pay for you to be riding a motorcycle then she should not have to regardless of how large her income is. You're lucky your mom is paying for anything quite honestly, and you're lucky to have that new car that you didn't have to pay for.

Why not just pick up a cheap policy with minimum coverage. Christ, some fool working at McDonalds part time could swing that payment. Wait until you have to pay a mortgage, car payment, insurance, bills etc, etc. You have it eeeeasaayyy!

i agree with deadlight. you should of consulted her first, she might say no at first, but keep on persisting and she will finally give in. it took my mom 1-2 months to let me get my 300zx, but i showed her how much i had been planning on financing and everything so she let me get it.

$220 a month on insurance?!?! i am 16, i have a 2-door sports car, and i have full coverage and my insurance is only $175 a month. since i talked to my mom about it, she is paying $75 a month so i only have to pay $100 a month. i have always seen it better to talk to parents.

He's 18 years old, and in college. If he wants to buy himself a sport bike, he buys himself a sport bike. Insurance is a problem that can be worked out.

Plus, bike insurance is cheap for the simple fact that accident = you lose. Every time.

Hope everything works out alright man, be safe and WEAR YOUR GEAR!

Well,I readthis abnd you are right....it IS stupid shit.If you want to live independantly of your parents,that's fine.MOVE OUT.One of the big things about respecting money is to recognise that no matter how much you earn,it's never really yours.
O.K.,so you've got enough money to pay for a dangerous vehicle.Your mother is right in insisting that you have a decent amount of liability cover,I've never seen a country like the States for stupid and excessivre lawsuit rulings.If you can't afford the payments,and you haven't built up an insurance record on smaller,safer vehicles,you will have to rely on your mother[even though you should be old enough not to].

Perhaps if you'd gone about buying the bike a bit more wisely and openly,and built yourself an insurance record on a more realistic machine first,you wouldn't be in the hole with a plaything that you can't ride.

I agree with Taranaki. Youre old enough to take responsibility for your own decisions.
I actually did something similar 2 years ago, namely buying a car which no insurance company would touch, especially since I was 17 at the time. The only place that would insure me charged an outrageous amount + I had 2 excesses. Of course, I went to my parents straight away asking to register and insure it in their name, so I could save myself a few thousand $$. They said no - so I paid the whole thing. Of course I was pissed off at the time but I've learnt the lesson fairly well - if you buy something,not only without consulting your parents, but subconsciously knowing they'll disapprove of it, then don't expect them to bail you out when the shit hits the fan. Be prepared to take full responsibility for whatever you do.

You can tell the older members from the young pups in this thread :iceslolan

Darklight and Mr T hit the nail on the head.













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You can tell the older members from the young pups in this thread :iceslolan

Darklight and Mr T hit the nail on the head.

Well here's something that'll throw you off then...I'm 18 :D

i haven't been online much... just got a chance to read.

i never wanted my mom to pay for the bike insurance, i was prepaired to pay for that, or else i would have DEFFENTLY talked it over with them. <-- i think that got confused somewere along the line as i am reading the replys.

i fully understand that i am somewhat privlaged to have my mom buy me a car and pay the insurance for it. she knew that i wanted a bike. it wasn't exactly like i just showed up with it... i had said a few things about it and she had never contested. it was supposta be like "hey look, i bought something for myself!!" it would be the 2nd 'big ticket' thing i bought all by my lonesome (i bought the car b4 the one she bought for me... that car blew up... so she thought it would be nice to buy me a car that would last a while)

she wanted me to carry the 150/255/80 (? i think?) or 500,00 CSL [progressive] AND comp, med, coll, roadside!! wtf? i really do understand that it is a dangerus thing... but, uh, if i wreck it, it is totaled, if i brake down i will call a ride, and i dont think i could cause 500k worth of damage! keep in mind i payed 1800 for the whole thing. my insarance would be $3,289.21/year with that coverage!! with 20/50/15 it is like 900. --i have a traffic violation... didn't stop for a stop sign one day; really i just didn't come to a FULL stop (like 2mph, and i saw the cop lol, didn't think it would matter). so mabie that is jacking up the price some. i have like 3 months before that is off my record.


--------------


but that aside, we went to check the rate on it today liberity told us to go with progressive and -gues what- insure it at what i had wanted to. reasoning that most of the damage will be to me and the bike, not the other car/people. 50,000 will pay off most any car. our life insurance will pay my medical bill, and the bike only cost $2000, no point in coll/comp. she told me that she was happy that i showed the ability to save money, and hoped that i would retain that habbit even though i had what i was saving for. and that i could carry what they sugested.

i guess it ended well. sorry for the confusion of my writeing (i know i suck at it).

Two things:
1, Be grateful that you have a mother who supports you while you are in school.
2. Your writing clearly shows that you need to spend more time in school and less time working to support your toys.

Basically since your 18 your parents dont need to support you anymore.. Im assuming they are paying for your college bills or helped you get the loans.. When I turned 18 my dad being from a family of 11 told me to start paying rent or move out, of course I thought it sucked till I got a glimpse of what people pay for bills then I was cool about it. I also contribute to 80% of the work that gets done around the house not because I am forced to but because I respect my parents and I am more able than my dad.. I bought my truck on my own and everything else, I do my own food shopping and Cook my own meals, Ive been doing laundry since I was 12.. I stay in the down stairs apartment because Im saving money to buy my own place.. while your parents are supporting you,, you need to respect what they say until you can afford to pack up and make it on your own..
-Jimmy

When I turned 18, told my parents "bye" and left, been on my own ever since. They live in Cali and I live in Arkansas...life was better at home, till I got my shit straightened out after a couple years. I'm 20, just now gettin my life together, it would have been together way earlier, but i was a dumbf*ck who didn't want anything to do with his family. You're choice, do wut you want, ur of age, no one can stop you, but don't blame anyone for your f*ckups if they should happen...

Yeah, man. You're eighteen, you get to make the friggin' rules for yourself. Especially about the bike and the insurance. Parents can't stop you on that one. You just go to the insurance place and say, "Gimme a policy," and they'll do it.