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snow...
That is why God created "uninsured motorist coverage" and "underinsured motorist coverage". Here in AZ if you don't have this, you are gambling.
Depending on the individual's age, it might be worth while to see if the car could be registered and insured under the parent's policy with the kid as the primary driver. That way, proper coverage could be obtained at possibly a lower rate than the kid getting the insurance solo.
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Bob S. former owner of a 1984 silver 944
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