Verbal contract. Fuck him.

Also . . . first.

 

Originally Posted by kiro15

Fucking people, that sucks. Can't lie now, they already know. Will probably just have to eat it now and you should definitely call your insurance agent. They are going to find out anyway.

Does someone's auto insurance cover them if their child does damage to someone else's car?

You paying anything is the most ridiculous thing I have ever heard. Why would you agree to pay half? Personal responsibility? This guy had two 11 year olds at his house unsupervised washing a car and it got damaged. Pretty sure he is responsible.

lol. Looks like a law school exam question.

For starters, your neighbor probably has an exclusion for damage caused by his own family members. So to the extent his daughter caused or was responsible for the conduct, his insurance company will deny the claim. If he has comprehensive on an 03 Concorde something is wrong. But if he does then it will probably pay the cost of repairs over the deductible regardless of who caused the damages.

After his company pays it may come after you or your daughter for the portion of the damages caused by your daughter. You only have to involve your homeowners insurance company (not auto, but homeowners) if you want to. Do not give him your insurance info until you know what you want to do.

The most troubling issue here is that everyone seems to assume that since the girls caused the damage, they are legally responsible or worse yet, that you are legally responsible. Was your daughter negligent some how? I find that hard to believe. She's 11, she probably had no idea she would damage the roof by laying on it. How was her conduct unreasonable?

Where was the parental supervision while they were at the neighbors house? My response would probably be something along the lines of hey they are 11 years old why wasn't someone watching them?

I would tell the guy to go pound sand, unless of course you want to remain friendly with this asshole. I doubt they ever get a penny from you.

This is not legal advice. Pay a couple hundred bucks to see a lawyer in your town. Or talk with your homeowners (not your auto) insurance company and explain it to them and I bet they tell you that there is no way they will collect anything from you or your insurance company.

Good Luck. I am sure I missed some things too.

His auto insurance. Your homeowners.

send him a bill for your daughter's fees for washing the car.

why would u ever get the roof on an '03 car fixed?

 

Originally Posted by AmSlim22

send him a bill for your daughter's fees for washing the car.

why would u ever get the roof on an '03 car fixed?

Agreed. wtf is going on?

I'd blame yourself for letting your daughter associate herself with such maroons.

 

Originally Posted by DoubleUp28

I'd blame yourself for letting your daughter associate herself with such maroons.

Never associate with maroons.

 

Originally Posted by undertheradar

willy- I think he tried to claim it as auto damage, but his insurance company said it falls under homeowners because the vehicle was at his property but not in motion. He has full coverage I believe because he only has owned the car since July and I assume he is making payments which means he must have full coverage in Kansas

I think his auto insurance is passing the buck. Is his homeowners going to cover it? If he's making payments on a 2003 Concorde he probably needs your money pretty bad. Just wait. After you pay he will keep the money and not fix the car. imo

his homeowners/auto insurance are through the same company just like mine is. But not the same company. And yes, from what he said, his homeowners will pay his half, but that my homeowners insurance needs to pay the other half

 

Originally Posted by DoubleUp28

Now that I think about it a buddy of mine had a garage door fuck up the hood of his car and it was only $1,200 damage.

Is your daughter or her friend an overweight maroon?

haha no, both are 90lbs dripping wet tops!

Don't pay anything and do not call you insurance company (call your agent if you have one). If you even call your insurance company to inquire it might be counted against at your renewal as a "0 pay out claim'.

His home owners insurance should pay out and then go after you/your insurance company if they deem you liable (which I doubt is the case). I would not give him any information.


By the way he is an idiot for filing such a small claim with his insurance. His premium will probably double and cost him much more then the repair cost over the next 3 years.

Anyway this is strictly a non professional opinion. Tell that ass clown to piss off.

1 Blue book is under 4k for that piece of shit. Wtf
2 how is an 11 year old too short to reach the roof of a sedan?

In my opinion you are morally obligated to help pay for damage caused by your daughter. Whether or not it was an accident is irrelevant.

I would be surprised if you couldn't go inside the car and push up on the interior of the roof and fix a pressure dent. I have fixed similar with an old style toilet plunger after hitting a deer. got the plunger wet, squished it over the dent and pulled out the metal. Looked like new.

Getting this fixed doesn't make sense. The value of the vehicle is prob about $3600 if the car is in excellent condition vs. $3400 with minor cosmetic (still mechanically sound), so fixing it will not increase by more than a hundred dollars as a result. I would recommend doing the best you can yourselves to pop the dent out. You have not cost the guy much and no way he gets this fixed.

 

Originally Posted by DrinkingProblem

Don't pay anything and do not call you insurance company (call your agent if you have one). If you even call your insurance company to inquire it might be counted against at your renewal as a "0 pay out claim'.

His home owners insurance should pay out and then go after you/your insurance company if they deem you liable (which I doubt is the case). I would not give him any information.

By the way he is an idiot for filing such a small claim with his insurance. His premium will probably double and cost him much more then the repair cost over the next 3 years.

Anyway this is strictly a non professional opinion. Tell that ass clown to piss off.

once he gives me back the money order, this will most likely be my course of action at this point.

 

Originally Posted by rocket5

So you just want to keep the threads contained and discuss whether or not your daughter should visit a girl's house whose dad is a con artist?

Well I'm pretty sure once he asks me for some info and I refuse that will take care of said friendship between my daughter and the girl. Which is unfortunate but I'm sure they will still talk, just not hang out anymore after school. Life lesson I suppose