Daddy's bailing out idiot teen drivers

I have a pet peeve and no teen idiot sons so here is my take on daddies bailing out their multi accident irresponsible idiot sons.

Within the past six months there has been three different incidents where teenage boys have caused accidents. Here comes daddy pleading with the innocent victims who got their cars wrecked. "Oh, I don't want to turn this accident into my insurance company. My insurance is high enough. How about I pay you cash?"

The red flags should go up. For one thing he is doing this for himself and it doesn't teach the idiot kid any lessons..only that ditto head daddy will bail him out of anything he gets his sorry ass into.

Daddy has everything to gain and the victim (in this case the innocent driver who just happened to be in the wrong place at the wrong time) has everything to lose.

If the victim lets daddy get his way, the victim doesn't have a leg to stand on. Because the cops will not have been called and your insurance guy not called. Only small claims court is left and then you will have to listen to a lecture given to you by your insurance agent and the police: "Why were you so stupid?" Besides, you have a much better chance of getting your money by going through insurance companies. And they can be assholes too, so beware; even your own insurance company. So, go with a reputable firm.

In one case daddy wanted to pay the victim in increments of 200 or 300 for a 1400 damage estimate. And the repair shop wants all the money before they even begin...so there you are...out already. And who will pay for the rental car while your car is being repaired? Yeah, try to get that out of them!

You, the victim, do not owe this idoit son and dad a thing; you don't owe them any favors. Daddy needs to do the right thing by law and report the accident to the police and the insurance company.

In one incident the victim has to deal with the idiot's insurance company who tried very hard to make her claim the accident was her fault; this was after she finally made him go to his insurance company.

Don't dick with 'em. That what they have insurance for ... to cover accidents. But, I guess nuts don't fall far from the tree; like father like son.

Yes, the kid is learning alright, and that is to dodge his financial, civic and law abidding duties. Besides "my dad's a fool" and will take care of any trouble I get my sorry ass in :)

As soon as you get into an accident, I don't care how minor it is, call the police and trade insurance information. Call an ambulance if you have the least amont of pain. Will daddy pay for that too? What if two days later your neck, back or gut is giving you pain? Call your insurance company. If the idiot says he doesn't want to report it to his insurance company. Tell him that you have been advised that you cannot work any deals with anyone and call the police. You do not need to be threatened or insulted for doing the correct thing; after all, you have been paying your premiums like a good citizen..don't do him any favors when in the end you will be the one to lose out. Right then and there they are admitting their guilt when they want to avoid reporting it to their insurance company. Take notes and call the police and call your insurance company immediately.

It is not your problem that daddy has an accident prone son. In one case, it was the kids fourth accident and the parents were stupid enough to tell the victim that and then ask to pay them with cash. Trust me, the victim will never see the cash - not the total amount. The auto body place wants payment in full before the even start the work. Don't be a fool! Call the police and call your insurance company; let them deal with the dilinquent insurer. Let your insurance company work with their insurance company, or sue and garrish wages, that is what you are paying for insurance coverage. Also make sure you have enough insurance coverage. Do not skimp in this area.

The victim need not inconvenience themselves for someone who is merely looking out for himself and to save himself a buck. It's not your problem.

If you think that there is the slightish chance that you have injuries, call an ambulance...call'em anyway and get to the hospital. Sometimes internal bleeding can occur without you realizing it. Protect yourself. Allow the whinning dumb shit to do his duty as a parent and supposively law abidding citizen.

Personally I think it takes a lot of nerve to ask someone to even skirt the insurance in the first place. The audacity! You'll never see your money, he'll be off scott free and you'll be feeling like a fool and become a bitter person.