Income replacement should go with driver

Car insurance

Ontario's car insurance system needs further reforms. Young males under the age of 25 should have the same premiums for any car. Income replacement should go with the driver, not with the car.

First thanks for the coming 15 per cent reduction in premiums. However, it is too bad the premiums had to go up by one-third to two-thirds first.

Last year, my middle son had a quote of $3,000 for a year of insurance for a 1994 Mazda with no comprehensive and no collision. He only had $2,000 so he couldn't get it. My older son paid $3,000 for the same car. This year, my middle son (22 years old), who now has $3,000, had quotes of $4,000 and $5,000 for the same car with the same conditions, while my older son (24 years old) had a quote for the same car of $2,500 from the same companies. When does the 15 per cent reduction start?

I am afraid of what he would have to pay on a newer car that was actually worth $5,000. That is why I spent $3,000 fixing up a car worth $0 (the Mazda) for him to drive.

Young males under the age of 25 should have the same premiums for any car.

I have $1,000 income replacement insurance for me on my car. My sons have $400 income replacement on the cars they drive. If I drive one of their cars and require income replacement, I can only get up to $400 even though my income is $1,200 per week. If they drive my car and need income replacement, they can only get up to $400 per week as that is what they earn. Income replacement should go with the driver, not with the car.

Robin Scott, Hamilton

_{Source: thespec.com}