I feel for you, Srmom! 2 boys in college,3 under-25 males driving... I can't imagine what your premiums must be. Ours are bad enough with 1 under-25 female Good Grade Discount who doesn't even have a car at college. Heaven help us when the 2nd kid is old enough to drive. Maybe we'll make him wait until he's 25.
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....but some are more equal than others.
Bummer...sorry to hear that. I'm actually trying to imagine how the older son must have felt before making that second call. First he had to call to say somebody busted his window; then, just a few days later, he had to call you about the panel damage.
I hope this is the last of the car worries for a long while!