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User Topic: Kiddos in car accident - Insurance ?
EvenKeel
♀ Member
Member # 24210
Default  Posted: 3:25 PM, December 2nd (Monday), 2013View ProfileEdit MessagePrivate MessageHomepage

During the ice last week, DS (17) wrecked on the way home from school. DD (12) was in the vehicle. Both kiddos are ok - whew. Vehicle was totaled; it hit so hard it ripped the vehicle from the frame.

DS was driving Ex's vehicle. FIRST thing Ex told both kids was not to tell anyone that DD was in the vehicle. He is to say it was just him (DS) alone.

Can anyone tell me WHY he would tell them that? DS still has his Cinderella license but you are allowed to have blood relatives in with you so legally it is not an issue.

I am guessing it has something to do with his car insurance but I am drawing a blank as to what/why. Any ideas?

(Yeah - we will overlook the whole issue of him instructing both kiddos to lie)

Thanks again ole wise panel!

Edited - And lets not forget what a cluster#### this would be if DD turns up with some medical issue from it.

[This message edited by EvenKeel at 3:26 PM, December 2nd (Monday)]


Eyes are useless if the mind is blind.


Posts: 2100 | Registered: May 2009 | From: Pa
Lostandpregnant
♀ Member
Member # 41433
Default  Posted: 4:42 PM, December 2nd (Monday), 2013View ProfileEdit MessagePrivate MessageHomepage

That's very odd. I worked in insurance for 10 years, and I can't think of any reason for him to say that.


He left me 18 weeks pregnant with twins for another.I am a Licensed Private Investigator..it even happens to us.

Posts: 354 | Registered: Nov 2013 | From: Canada
Bigger
♂ Member
Member # 8354
Default  Posted: 5:00 PM, December 2nd (Monday), 2013View ProfileEdit MessagePrivate MessageHomepage

Modern cars donít get totaled the way you describe if driving at a reasonable speed so Iím guessing your driving son might have broken some traffic law or regulation (speeding, taking a curve at a high speed, monkeying around, running a light or generally doing what teenage boys do best; being an @ssshole ).

So maybe your ex is worried that being caught with a junior license and a minor in the car doing something stupid might get your older son in legal trouble.

Other than that I really canít think of any good reason why he wants the younger son omitted. Considering the possible medical impact I would contact your ex and ask for an explanation.


"If, therefore, any be unhappy, let him remember that he is unhappy by reason of himself alone." Epictetus

Posts: 5550 | Registered: Sep 2005
simplydevastated
♀ Member
Member # 25001
Default  Posted: 5:58 PM, December 2nd (Monday), 2013View ProfileEdit MessagePrivate MessageHomepage

Considering the possible medical impact I would contact your ex and ask for an explanation.†

^^^This! You never know when some medical issue will arise from this and the insurance will cover it if they know she was in the car.

Good luck.


Me - BS, 39 (I'm not old...I'm vintage)
Two Wonderful children - DS10, DD7
Married, for now... (4+ D-Day - listed in profile.)

Posts: 5854 | Registered: Jul 2009 | From: In the darkest depths of hell!
EvenKeel
♀ Member
Member # 24210
Default  Posted: 7:24 AM, December 3rd (Tuesday), 2013View ProfileEdit MessagePrivate MessageHomepage

At first I thought maybe Ex was going to try to say he (ex) was driving, etc. But DS said ex told the insurance company it was indeed DS driving.

So maybe your ex is worried that being caught with a junior license and a minor in the car doing something stupid might get your older son in legal trouble.

IDK - the cops were not involved so there is not really any citations, etc involved. We live in the country so DS had called his father and they just towed it home.

Modern cars donít get totaled the way you describe if driving at a reasonable speed so Iím guessing your driving son might have broken some traffic law or regulation

It happened on a hilly, windy country road during an ice storm. Off the side of the road is this big cement and stone channel-way. The SVU spun around on the ice and went down into that cement channel which ripped the he77 out of the underside of the vehicle. They are very lucky they were in Ex's SUV. DS typically drives my Fusion and they probably would of rolled that and been really hurt.

Thanks for validating that I am not missing anything. I could not understand why those where Ex's first words to both kids (ie "Don't tell anyone DD was in the vehicle). Ex is half-crazy and a verified azz so it is possible there is no logic to his comment.


Eyes are useless if the mind is blind.


Posts: 2100 | Registered: May 2009 | From: Pa
tushnurse
♀ Member
Member # 21101
Default  Posted: 12:00 PM, December 3rd (Tuesday), 2013View ProfileEdit MessagePrivate MessageHomepage

Thankful that the biggest concer about this accident is lying to the insurance company because I have to agree with Bigger, a vehicle has to take one heck of an impact to be ripped from the frame.

I also do not agree with saying your other child was not in the vehicle. If his insurance goes up due to the accident then it goes up, lesson learned. He was obviously driving too fast for conditions, but the fact that it was a single car accident is a relief.


Me: FBS
Him: FWS
Kids: 15 & 17
Married for 22 years now, was 16 at the time. .
D-Day Sept 26 2008
Fully R'd, and Happy Happy Happy

Posts: 8489 | Registered: Oct 2008 | From: St. Louis
solus sto
♀ Member
Member # 30989
Default  Posted: 8:20 PM, December 3rd (Tuesday), 2013View ProfileEdit MessagePrivate MessageHomepage

My insurance wouldn't give a crap who was in the car if the driver and/or owner did not get a police report immediately. They would provide significantly less coverage in the absence of a police report.

Why were the police not involved?

I am very concerned that your young driver is being taught really bad lessons.

The lying? Sheer idiocy. Your child was in a car accident with SIGNIFICANT impact. Symptoms may still crop up. How will you cover the losses if she needs medical care? If she "wasn't in the car" your health carrier will be unable to duke it out with the auto carrier for coverage---and will NOT be happy about it.

Your ex doesn't want his premiums to increase. He doesn't care about the costs to you or, apparently, his kids' well-being (starting with permitting an inexperienced kid to drive in an ice storm).

I'd take MY teen to file a police report.


BS-me, 52
WH (Trac-fone), 52, PD
2 kids-DD25, DS18
multiple d-days
DIVORCING
Alone, most strangely, I live on~Rupert Brooke

Posts: 8682 | Registered: Jan 2011 | From: midwest
EvenKeel
♀ Member
Member # 24210
Default  Posted: 8:08 AM, December 4th (Wednesday), 2013View ProfileEdit MessagePrivate MessageHomepage

Why were the police not involved?

Our local police won't come if there is only one vehicle involve and no one was injured.

It is not uncommon here at all to just call the tow truck on your own.

The lying? Sheer idiocy.

and
I am very concerned that your young driver is being taught really bad lessons.

Please see above comment about Ex being an azz.
Unfortunately, there is a long history of situations where Ex has had the opportunity to set some very poor examples and the stories are endless.

Your ex doesn't want his premiums to increase.

He did turn this into the insurance so I do not see anyway around them increasing. The man had no accidents the entire time we were married but in the span of 2 years, this will be the second totaled car on his plan and the 4th accident. Sniffs of karma to me but what do I know.


Thanks again for all the thoughts - I just can't figure out the rationale of saying DD was not there.

As the wise ole SI'ers know....sometimes it is impossible to rationalize crazy, eh?


Eyes are useless if the mind is blind.


Posts: 2100 | Registered: May 2009 | From: Pa
Topic Posts: 8

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