Reply to Spin off - what would/did you do in a traffic accident? Advise your teen?

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[quote=Anonymous][quote=Anonymous][quote=Anonymous]Oh and one more thing, since this has come up for me:

Do not tell your teen to try and get the other driver to not report the incident to insurance.

I don't know if there are a lot of parents out there who apparently think they can make an end run around rising insurance rates by doing this, but it's a sure fire way to piss off the other driver. To me if someone asks to deal with an accident where they were clearly at fault (rear-ending) without insurance, it's a big fat red flag that either they've done this before or may try to screw me (or their parent may try to screw me). Don't do this. Insurance was designed for this specific situation, and asking a driver you just hit to handle it without insurance is NOT okay.[/quote]

So on this, I've also found that even if reported to insurance, you can "settle" without them paying. I was hit a long time ago in Arlington. The other guy tried to play me but ultimately, even though we both alerted our insurance, he paid me out of pocket. [/quote]

PP here and yes, that is often an option. I'm actually fine settling this way if that's how it shakes out.

But it seems that many parents tell their kids explicitly to ask to handle without insurance. It's a red flag. I don't know you, I don't know if you're going to pay me. I especially don't know if some teen driver is going to pay me -- they are usually driving someone else's car, on someone else's insurance. I want to feel confident that when I walk away, I will have recourse for any damages. If I get your insurance card, I can harass them to pay for damages if I need to. Don't tell your teen to ask to avoid insurance. It sends a very bad message to the other driver.[/quote]

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