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redk9258 |
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Reged: 09/21/03
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Posts: 3968
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Loc: Troy, Illinois USA
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Re: My son got into his first fender bender. Ugh.
01/21/14 02:18 AM
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A couple of years ago, I bumped into a lady one day going to work. Everyone on the highway came to a screeching halt and she was able to stop faster than me. Very minor damage. I told her that I would pay for the damage. She must have drove straight to the insurance company to make a claim against my policy, because my wife called me at work asking if I was in an accident. I called the insurance company and explained that I told her that I was going to pay so my rates don't go up. They told me that I could deny the claim and pay it myself if I wanted to. Her estimate was something like $163 or $263 (cannot remember). They told me this is very minor and I should let insurance take care of it. It did not affect my rates because the dollar amount was so low. The insurance agent asked if I wanted my car looked at. I told her no, It was just a small scratch and I did not want to make a claim.
Maybe you should have done something similar. Maybe the other kid would have been half at fault because he had extra minors in the car. OTOH, if you got a cop there with a hard-on for writing tickets, it may have cost everyone quite a bit more. Under 18 in my state have to go to court with a parent and do a driving class.
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Re: My son got into his first fender bender. Ugh.
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Done :-)
