Well, I suggested she pay the increase in the policy rate out of her pocket, as I am well aware a 17 yo isn’t going to have their own policy. And a financial bite to their own pocket will certainly get their attention.I feel this is not always true nor good information. Teens make mistakes and if this is the first time, you have no reason to assume that she will be a repeat offender. Also, as a teenager she is most likely on her father's insurance policy as a driver and it is almost NEVER possible for a teen to afford insurance on their on and be a productive student.
And I also have no reason to assume she won’t be a repeat offender.
It worked with my daughter,
YMMV