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Reply to Help - 16 Y/o Son in Accident     
Old 07-13-2017, 05:50 PM   #1
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State: INSUREGEEK is an Insurance Agent from Ohio
Help - 16 Y/o Son in Accident Help - 16 Y/o Son in Accident
OK, so I know coverage inside and out, and I have been on the body shop side of claims. But I am coming to you as a parent here:

Junior (not really, I just call him that) was involved in what HE claims was a minor accident today. It was raining. He and another car collided in a tight turn. My son's left front to the other car's left rear. No cops were called, but Junior willingly handed over his insurance info without getting any from the other party.

I found out when my insurance carrier's claims dept called me asking about an accident today

Of course, kiddo claims damage to the other car was very minor. Yeah, right!

Under no circumstances do I want this kid talking to an adjuster.

I suppose I can just let this play out? I don't have anyone to call to make a claim against.....and he pretty much already admitted fault, didn't he?? So what point is there in letting him talk? Does anything I have to say carry any weight?

UGH.

I appreciate any insights.

Thanks!
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Last edited by INSUREGEEK; 07-13-2017 at 06:10 PM.
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Old 07-14-2017, 10:23 AM   #2
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Help - 16 Y/o Son in Accident Re: Help - 16 Y/o Son in Accident
What are you trying to do? seems pretty clear front bumper damage and rear of theirs its your sons fault.
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Old 07-14-2017, 10:28 AM   #3
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VolAgent on Help - 16 Y/o Son in Accident
 
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Help - 16 Y/o Son in Accident Re: Help - 16 Y/o Son in Accident
Yeah, what is it you home to accomplish? Your son hit the person in front of him. Baring extenuating circumstances and the other party out right saying they were at fault, it definitely is going to be your son at fault.

Let him tell the adjuster what happened. They are going to want a statement from him, and under the policy there is an obligation to provide one. Unless you think there are injuries to the other party, probably just let it play out. Maybe listen in while your son talks to the adjuster if you are worried.

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Old 07-16-2017, 05:25 PM   #4
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State: LostDollar is an Insurance Agent from Kansas
Help - 16 Y/o Son in Accident Re: Help - 16 Y/o Son in Accident
Rightly, or wrongly, my attitude was that prudence suggested having a teenage driver claim on my insurance records was best avoided if possible.

In the type of situation you described I either did myself, or asked the kid(s), to speak with the other driver and ask them to get a body shop quote for the damage prior to getting the insurance company involved. If I could see how to pay the amounts myself either currently, or by using a credit card over a period of time, I would just have the other party have the damage repaired and send me a copy of the final bill for reimbusement.

I freely admit I made a lot of bad choices as a parent, and that may have been one of them, but it is what I did in the past for those type of situations.

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(and in fairness to your son, recognize that with modern vehicles, particularly for someone without any knowledge of current vehicle structures, it is quite difficult to appreciate the amount of potential damage that can be hidden under the facade of a quarter panel or exterior bumper trim.)

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