so apparently if its an accident 2k and under you have an extended grace period til aug 2020 to pay
https://www.citynews1130.com/2019/09...-their-record/
My insurance only increased 60$ for the year after adding one of my parents to my insurance.
Personal df was something like 0.595 and it got dropped to 0.577 by adding a parent.
They use my df at 75% and one parent's df at 25%