I've had my permit for a while now (i'm 16), and recently I was driving with my dad and I back into someone in a parking lot. My dad's insurance covered, and the repairs on the guy's car was under $750, so his rates did not go up. Also it was JUST an insurance issue, the police were never notified. My parents say won't be able to drive until i'm 18, but I don't believe them.
(I live in Powell Ohio, if that has anything to do with it)
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