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| *Vultures Knob>>>Kids Bike |
My 10 year old son's brakes went out on his bike while he was riding it and he ran into a car? |
My son is fine, just a little scraped up. The people who owned the car followed my son home and asked to speak with me. They showed me the damage on their car and asked for my name and number and they gave me theirs. I'm not sure where to go from here. I was so panic striken in the moment I didn't think to call the police and I don't think my car insurance will cover the damage beings as it was my kid that hit their car, not my vehicle. Now that the worry for my son has worn off, I'm worried about what steps to take next. Any suggestions? Your car insurance has nothing to do with it. Your home owners or renters insurance will cover it. If there is a deductible or you have no insurance you are responsible for the amount. The other party can contact their insurance company but if the insurance company believes it was your son's fault they will come after you for payment. Do not admit any liability. Let the insurance companies handle it. I'd start by going to the police. They may or may not fill out a report. If the vehicle owner does try to file a claim, it will go under his/her uninsured motorist plan. well i wouldnt think that he could have done that much damage surely? ring your insurance for advice Call your insurance company and ask them. The people's car insurance should cover the damage, but they may come after you for it. Nothing you really can do, but wait. You are responsible for damage your children cause unfortunately. How much damage can a bike do to a car? Surely it's less than the deductible on most insurance policies! This is not an auto claim (on your side). Call your homeowners insurance and tell them the whole story. Have a word with a solicitor o your ins.urance broker for some advice. Then wait to see what the other driver claims from you. You caould take your son to the doctor to have his scrapes checked out , then out in a caliam against the othher drivers insurance for your sons bike and personal injury and fright. Were there any witnesses to this accident? if not its the drivers word against yours. |
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