First off, I realize these things vary by state and insurance carrier, so I am just looking for general advice/opinions.
My 16 yr old nephew was in a fairly minor low speed (nobody hurt) wreck. It was his fault, he pulled out in front of someone and basically got broadsided. From what I understand, the other vehicle had very minor damage and they were a very nice older couple. I do understand they will probably want to file a claim on my sisters’ (nephews mom) insurance.
Nephews’ car is old enough where his damage will surely total the car, but I know a lot of car people and it can be fixed.
My sister wrecked her own car about 5 months ago, and it was totaled.
The question is, does my sister HAVE to file on nephews car? She is freaked out about having two totaled cars in less than 6 months, and what that will do to her rates, especially having to insure a 16 yr old boy.
She is going to try to work out a cash deal with the other party without involving insurance, but if they insist on filing a claim, can she say to her insurance company something like “Yeah, we were at fault, and want the other party taken care of but we don’t want to file a claim on nephews car.”
Would this even matter re her rates going up?
I apologize if I am not real clear on this, and appreciate any responses.