Should I say I am the driver vs. my 16 year old son?
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UPDATED: Aug 7, 2017
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Insurance Question from Ballardsville, KY
Asked on 08/07/2017
Should I say I am the driver vs. my 16 year old son? 16 year old son hit a parked wrecker going 20mph. The wrecker was in the down position, which created a ramp that he drove off and possibly totalled a 2008 Ford Explorer? No other damage to wrecker or property.Should I say I am the driver (47 yrs old) or my son to prevent auto insurance rates going up less?Neither has any prior insurance claims or traffic violations
Answer given on August 13, 2017
If your son had an auto accident, the claim should be filed accordingly. While the increased premium may be more since he was the driver. If you file the claim as if you were the driver, and the insurance company found out that you were not, then that would be considered fraud. You could have your claim declined, lose your insurance, and could be charged with a crime and find it very difficult to find regular insurance again. Fraudulent claims are taken very seriously by the insurance company, as well as the law. Also, your son needs to be aware of his actions and the cost of insurance. He should also learn that honesty is the better way to go to avoid any unforeseen consequences.
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