my son damaged the headlight of another vehicle, owner is demanding money and not going thru his insurance.

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Sep 15, 2012

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Insurance Question from Torrance, CA

Asked on 09/15/2012

my son damaged the headlight of another vehicle, owner is demanding money and not going thru his insurance. basically my son threw a rock damaging the high beam headlight of another vehicle (a BMW). i totally understand that im at fault because my son is a minor and i havet to pay damages. According to his BMW dealer its going to cost $700 to fix, and he is demanding i pay in less than a week, which is an impossible amount of time for me. Owner is now taking me to court, my Q's is, doesn't his insurance pay for that? Why is he so adamant that i pay rather than going thru insurance co.? Will my insurance go up because of this? Even if he takes me to court, will they let me make payments?

Answer given on September 16, 2012

If your minor son threw a rock through a headlight on someone else’s car, you can file a claim under your homeowner nsurance for the damage. It would not go under your auto insurance.The other party may have insurance for this, but he would be subject to a deductible, so it is understandable that he does not want to go through his insurance. However, his demand for payment immediately, is not acceptable.Tell the other party that ou are filing a claim with your insurance company for the damages. Then call your agent or insurance company to file the claim under your liabiliy coverage of the homeowenr policy. Explain that your minor son threw the rock. Then give them the information on the other party and they will deal with him. If he continues to call you, tell him to call your insurance company a they are handling the claim. Do not deal with him any further.

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