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The original was posted on /r/AmItheAsshole by /u/Flower-Mind_444 on 2023-09-17 17:57:08.

I have twins that are 19F.

One speeds, darts through traffic in her small car, she drives other peoples cars and lets them drive hers. This has gone on for a while. She has had 2 small accidents but those were not her fault. I have asked her to drive more responsibly and never swap cars with people. It keeps happening. She also has a lot of parking tickets she always says are “not her fault”

Other twin has 1 reported at fault wreck and a couple unreported fender benders, an 80+ MPH speeding ticket she hid from me recently, drives other peoples cars and argues with me that it’s a necessity. We have seen open alcohol containers in her vehicle as well.

We have another teen driver on our policy and we will be adding another in 5 months. I was informed by the insurance company that with all these things going on, there are only 3 companies in the state that will insure us currently and if anything else happens none of them will. Our rates are insanely high as-is.

When the twins left town for college they continued these behaviors, one got a speeding ticket the day she moved out, we were moving her into the dorm that day and she didn’t tell us. The other didn’t even try to hide that she lets her boyfriend drive her car 3 hours to our house.

With that I decided to remove them from our family policy. I offered to help them find individual polies, they declined. They both work and have been paying for their respective policies since they were 16 with PT jobs.