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[Music] hello everyone i am michael ruger i am the managing partner of greenbush financial group and today we have kind of a fun topic which is if you have a new driver in the family that just passed the road test you now have to add them to your auto insurance how much are your auto insurance premiums going to go up and this is a topic thats near and dear to me because i have an 18 year old daughter shes been driving for about a year and the two surprises i had from this was one the premium increase was a lot more than i expected and two i learned that these are inexperienced drivers and theyre gonna hit stops so there could be claims as part of the policy within the first 12 months of my daughter passing her road test she hit a deer she hit a post and she unfortunately hit my car which was parked in our driveway so on that one i got to fix two cars so what im going to do today is kind of go over some of the experiences ive had with car insurance whether to submit claims not sub
