Got hit while parked
10-07-11, 10:16 AM
#49
Lexus Test Driver
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OUCH!!! That looks terrible. Glad no one was inside at the time. This is why I'm scared to park on the street 
. Lucky that you were able to catch him. Let us know what the outcome is!
. Lucky that you were able to catch him. Let us know what the outcome is!
10-07-11, 12:18 PM
#51
LOL the damage amount wasn't correct but it is irrelevant. Actually its called battery when you hit someone intentionally and actually perform the act, only assault would be if you swung and missed. Wouldn't you know that professionally??? Remember he said teenager.....a minor. You can also be put on a child abuse registry in most states that could keep you from a job even if it is a misdemeanor. Then, his parents will surely (and easily) sue you in civil court. But yeah, tooootally worth punching a kid.
A legal adult might be a different story, beating a minor makes the 5 oclock news.
Good luck OP, hope it works out for you!
A legal adult might be a different story, beating a minor makes the 5 oclock news.
Good luck OP, hope it works out for you!
10-07-11, 02:12 PM
#54
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I wasn't calm at all =( I nearly cried when I saw it.
Well I got the parent's insurance information. it's their car, they'll have to be responsible. The insurance claim is pending. Even then, it's unlikely that they'll pay for the whole cost. Its at the Lexus body shop now waiting for the adjustor's estimate, the guy that works there said's it could be over $10000 in damage.
Hoping for total loss.
Anyone with similar experience?
Well I got the parent's insurance information. it's their car, they'll have to be responsible. The insurance claim is pending. Even then, it's unlikely that they'll pay for the whole cost. Its at the Lexus body shop now waiting for the adjustor's estimate, the guy that works there said's it could be over $10000 in damage.
Hoping for total loss.
Anyone with similar experience?
10-07-11, 02:24 PM
#55
I wasn't calm at all =( I nearly cried when I saw it.
Well I got the parent's insurance information. it's their car, they'll have to be responsible. The insurance claim is pending. Even then, it's unlikely that they'll pay for the whole cost. Its at the Lexus body shop now waiting for the adjustor's estimate, the guy that works there said's it could be over $10000 in damage.
Hoping for total loss.
Anyone with similar experience?
Well I got the parent's insurance information. it's their car, they'll have to be responsible. The insurance claim is pending. Even then, it's unlikely that they'll pay for the whole cost. Its at the Lexus body shop now waiting for the adjustor's estimate, the guy that works there said's it could be over $10000 in damage.
Hoping for total loss.
Anyone with similar experience?
Depending on how your insurance determines a car being totalled, it may or may not be. Some insurance companies will total it if either the repairs exceed the value of the car or if there is damage that cannot be repaired safely (i.e. frame). Others will total it if damage goes over a certain % of value. There's also different state laws that affect the decision too.
Since the kid has no license, there's a good chance the parents insurance company will deny the claim. They are allowed to do this, which would leave the parents financially responsible for your vehicle. Hopefully, you have underinsured coverage from your insurance company to protect you in case that does happen and the parents don't have that kind of money. You and/or your insurance company might seek legal action against them in that case to get the damages back.
I've heard of situations like this, kid doesn't have insurance, gets into an accident, the owners insurance denies the claim and legal action is taken. Hopefully you don't have to go through all that, it's never fun...but your insurance company should take care of you in any case no matter what the situation is.
10-07-11, 02:39 PM
#56
wow. that sucks. how can the parents insurance just deny it? it clearly was the kids fault. if thats the case every teenager would drive around recklessly and there would be no consequence at all.
10-07-11, 03:22 PM
#57
Your forgetting, OP mentioned this was a teenager with NO license.
The parents insurance company does not have to cover any damages if the car is leant to an unlicensed driver. In fact, they wont, period. I've never heard of an insurance company covering an unlicensed driver in an accident. They have exclusions...they don't have to cover you if you drive your car on the track, or engage in street racing either. It's not the insurance companies fault the teen was driving his/her parents car without a license. Insurance can get out of this one quick, and leave all liablity on the parents. OP will be lucky, and the first person ive ever seen, if the parents insurance actually covers this.
Usually, legal action is taken in this kind of situation.
If he had a license it would be different. Most insurance companies will cover anyone not listed on your policy at at LEAST the state minimum coverage if they drive your car with your consent.
Last edited by KillaIS250; 10-07-11 at 03:27 PM.
10-07-11, 04:17 PM
#58
I definitely think there's a possibility of their insurance company denying this claim because the kid was unlicensed, as KillaIS250 above says. Then your uninsured motorist coverage component of your own insurance kicks in, and your insurance company can then decide how to pursue action against the parents. You yourself shouldn't have to be involved whatsoever in this part.
In any case, it seems like there are two possibilities going from here:
1) Their insurance decides to pay for the damages (unlikely, given the kid was unlicensed and an insurance company only covers licensed drivers, not cars)
2) Their insurance company denies the claim, so your insurance (assuming you have uninsured/underinsured motorist coverage) kicks in and they pay for the damages, then your insurance company goes after the parents
In both cases, you should get the entirety of your car's damages paid for.
Can anyone see any other scenarios?
10-07-11, 04:20 PM
#59
No no its different in this situation.
Your forgetting, OP mentioned this was a teenager with NO license.
The parents insurance company does not have to cover any damages if the car is leant to an unlicensed driver. In fact, they wont, period. I've never heard of an insurance company covering an unlicensed driver in an accident. They have exclusions...they don't have to cover you if you drive your car on the track, or engage in street racing either. It's not the insurance companies fault the teen was driving his/her parents car without a license. Insurance can get out of this one quick, and leave all liablity on the parents. OP will be lucky, and the first person ive ever seen, if the parents insurance actually covers this.
Usually, legal action is taken in this kind of situation.
If he had a license it would be different. Most insurance companies will cover anyone not listed on your policy at at LEAST the state minimum coverage if they drive your car with your consent.
Your forgetting, OP mentioned this was a teenager with NO license.
The parents insurance company does not have to cover any damages if the car is leant to an unlicensed driver. In fact, they wont, period. I've never heard of an insurance company covering an unlicensed driver in an accident. They have exclusions...they don't have to cover you if you drive your car on the track, or engage in street racing either. It's not the insurance companies fault the teen was driving his/her parents car without a license. Insurance can get out of this one quick, and leave all liablity on the parents. OP will be lucky, and the first person ive ever seen, if the parents insurance actually covers this.
Usually, legal action is taken in this kind of situation.
If he had a license it would be different. Most insurance companies will cover anyone not listed on your policy at at LEAST the state minimum coverage if they drive your car with your consent.
10-07-11, 04:24 PM
#60
Actually, now remembering that there are 3 claims going on here probably (OP mentioned it was his car + 2 others) i'm almost completely sure the parents insurance is going to deny this claim and leave the parents to settle this themselves.
Last edited by KillaIS250; 10-07-11 at 04:28 PM.