Navy Nukes

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Comment by old Lt on April 13, 2011 at 5:57am

Hi, Not an expert here, but in NY, if you are the policyholder you are the one on the hook. It is probably like that in all states as the policy holder has financial resposibility. Even as the co-signer of the loan and not the policy holder you could be brought in. In NY anyway. That is one of the reasons auto companies got out of leasing, and sold the financial piece off. They appeared on the tiltle and were being named in lawsuits. So, as they say, I am not a lawyer, but I would bet a beer or two, that an attorney would tell you that if your name appears anywhere in ownership, financing or as the policyholder, if it is serious enough you are in the tank.

Comment by Charles on April 13, 2011 at 5:50am

Congrats, David's Mom. That's wonderful....nice cross country trip to wind down also.

Comment by Mike K on April 13, 2011 at 12:08am

Unfortunately we had a situation arise years ago with our sailor's older brother who had an accident and was later sued.  We have State Farm with me as policy holder with our children added on.  I was very concerned about liability but State Farm told us that they can not go after the policy holder in any way, only the driver.  We are from Illinois and I would bet other states are the same but our son's car must be registered here for him to remain on our policy.  If registered in another state, they must insure where registered.

Comment by Mike K on April 11, 2011 at 11:40pm

Very good advice.  Our sailor has remained on our policy all along and has saved him a great deal of money.  I know many want that "independence" but there are at times financial benefits to other ways.  Another thought that we have been told, whether insured individually or with family, if a sailor is deployed and their car is in storage, take all insurance off the car except comprehensive.  There is no need for other coverages while in storage but comp is a good idea should there hail damage or something else.

Comment by proud dad Nuke sailor on April 11, 2011 at 10:57pm

Wanted to share an experience, many of the nukes don't need auto insurance during nuke training, because they simply are not driving. After they finish power school they will be moving off base and have to provide transportation and will have to get insurance at that time. 

My son would have been considered high risk because of the lapse in auto insurance coverage. I was able to add my son to my insurance policy as a student and occasional driver at a minimal cost. I told my son I would help him with this for six months, after six months he will qualify for a reduced rate based on having insurance with me and this will be independent of my insurance. I should have realized this was going to happen and started helping him before he was out of power school. The cost was less than $100. for six months until we added his car to the policy.

I would advise if you are going to help your sailor with this doing this six months before they graduate from power school. They will qualify for a big reduction in the cost of insurance once they get it on there own.

Comment by Rumardian on March 28, 2011 at 9:27pm

This is for Kevin's Dad earlier question. My daughter also was assigned to Big Stick right out of school. I ask her to give me a short summary of what to expect the first few months:

 

When you first get to the ship you will go to a two week of school of ship, where death by power point, you'll be taught CPR and basic Damaged control training and such. Once that two weeks are over you will report to the ship on a friday do not be expect to go home early, like the rest of your school of shipmates. You will sit in the BNEQ class room on the bottom floor of the FAF. You should get your duty section 1 thru 5 and you will get your first qual card. If your lucky they won't make you stand duty till the next week. But you get 2 months to qualified BNEQ don't think thats a long time because it will go by faster than you think. Then you can look forward to life in Division which I like a lot more than the study atmosphere of BNEQ, once in Division you will help with the maintenance which is great. Depending on your division you'll be more or less busy. Right now EM's are the busy ones but we are about to flood dry dock so the ET's and MM are about to get really busy and EM's will calm down.

Comment by GP on March 23, 2011 at 8:58am

After we left GC to head to Ballston, we were able to drive the whole way without an overnight.He had his fiancee in the car so she drove for a while.

Comment by old Lt on March 22, 2011 at 9:07pm

As far as travel you are probably right, my son traveled home with two other sailors when he came up here.

Comment by GP on March 22, 2011 at 2:10pm

My son is now at ELT school in BS.  He lives about 20 minutes south of there.  You're right about moving.  He had to clear out his room at GC BEFORE the graduation ceremony.  After the ceremony, he went in the hall to get his orders and was officially out of GC.  Luckily we had rented a house for the week and he was able to stay with us near Charleston until we all headed home.

Comment by Mike K on March 22, 2011 at 12:03pm

Our son also drove home to Illinois from Charleston two Christmas's  ago but drove with a buddy who lived near us sharing the drive so they could get around the 8 hour limit.  They were lucky that way.  One other thing for those new to Goose Creek, those in Prototype must move off base, usually the day of Power School graduation.  Those that go to Balston Spa live off base as well.

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