Son damaged neighbours car. Advice please

loftus

Idiophreak wrote: »

2) Claiming off the household insurance of OP or other kids parents *is* basically wrong, but not really the OPs fault - more the fault of the insurance company for allowing something so stupid to be covered. People will pay higher premiums to cover this...people who just want to cover their house against accidents etc, not people who want their children to be able to throw rocks at any vehicles they like within range.

It isn't wrong if this is a risk the insurance policy covers. If it isn't the insurance company will soon tell them - I have yet to meet an insurance company that pays out for stuff that isn't covered!
The OP hasn't said the kids were deliberately lobbing bricks at cars. These were two 7 year olds chucking bricks over a wall - probably to see if they could. They didn't know that there was a car on the other side. Yes it could have been worse if there was a person the other side, but they didn't know, they are 7 and in all likelihood have no real idea of cause and effect.

loftus

judderman62 wrote: »

I recall playing all manner of games when I was a child ..... mind none of them included playing with bricks !!!

Really, I remember doing all manner of stupid and dangerous - to myself and others -stuff when I was a little kid, and had the bruises, bumps and stictches to show for it.

pennypitstop_2

Kids do daft things, we all have accidents. The problems caused to the owner of the car re getting quotes is a normal aspect of an insurance claim - I recently had to do this 'cos someone else caused an accident which damaged my car in a similar situation and I think it depends on the type of cover you have. The insurance is there for us for this purpose but I must admit, the insurance companies make making a claim hard work!

As far as the moral judgements are concerned, unfortunately we can;t say 'what if the brick had killed someone?', what if it had been a molotov cocktail' etc etc - it didn't kill and it wasn't a terrorist weapon - end of story. Just thank goodness it wasn't worse than it was.

Hope you get everything sorted, OP, and there are no bad feelings between you and the neighbours / friends families!

Idiophreak

loftus wrote: »

It isn't wrong if this is a risk the insurance policy covers. If it isn't the insurance company will soon tell them - I have yet to meet an insurance company that pays out for stuff that isn't covered!

That's kinda what I was saying - you can't blame the OP for trying to claim...but should other people (without rock throwing sprogs) have to suffer rising premiums as a result of this? Probably not.

So it'll be the insurers fault for covering something like this in the first place....

likabu_2

makingendsmeet wrote: »

It doesn't help that his dad is a 6ft 7" black man and a bouncer at the local night club. you??

I'm sure you just meant 6ft 7" man because I don't see what his colour had to do with it.

nearlyrich

coolio wrote: »

Pay up. The neighbour is already being v nice about this, and if they were then faced with 'can I claim off your insurance' I would lose all patience. They are going to be inconvenienced waiting for their car to be fixed.

Someone else who hasn't read the op?

The insurance in question is the public liability section of the child's friends parents (who's house they were at) not the owner of the car.

Broken_hearted

loftus wrote: »

The youth of today blah blah blah.....

Heard the same thing about teddy boys, mods and rockers etc etc

We used to transport or hang people for stealing a loaf of bread - some of those were pretty young as well.

Maybe we should send them back up the chimneys......

Maybe we should

vickyj

Thanks guys once again. Am waiting for other boys parents get back to me regarding earlier post.
Those of you on here that iare really overdramatising this really should take a long look at thie way they deal with everyday life i am sure that uyou may be slightly happier crawling out of you Victor Meldrew shell. I have never said that my son was innocent of blame as i know if i had ever done anything like this i would not have been able to sit down fr a week ! but alas what is past is past and the best thing i am able to do i deal with it and let my son learn.
Thank you (nearly) all once agin for your support.
Vicky

Ellie2758

judderman62 wrote: »

I recall playing all manner of games when I was a child ..... mind none of them included playing with bricks !!!

Yes, but you dont say whether bricks were ever left around for you to play with.

chuckles1066

nadnad wrote: »

firstly I think Chuckles is a big old TROLL.
Secondly the OP is taking resonsibility for the actions of her child she has never said she wont pay for the damage, she is just making use of any insurance available to her - because thats what we Money Savers do and funnily enough thats why we pay insurance premiums. If those poor strugling decrepit old insurance companies didnt want to pay for this type of claim then they wouldnt have it in their policy now would they?
Quite how this is contributing to the demise of "this country" I really dont know. I would understand if the OP said it wasnt her fault and she wasnt paying but that quite clearly isnt the case.

So Chuckles you big troll go back to the cave you lumbered out of and stay there until the sky darkens and the thunder rolls and all us sinners have been taught a lesson - maybe then people such as yourself who are undoubtably perfect in every way can live happily ever after.

Big? Well, 5ft 9", 145lbs, I use the gym every day so I didn't think I was big.

Old? 43..........I don't feel old but it's subjective I guess.

It's quite amazing how people can post what is obviously drivel without realising they're doing it?

nadnad wrote: »

the OP is taking resonsibility for the actions of her child she has never said she wont pay for the damage, she is just making use of any insurance available to her

Can you not see that what you've stated for the world to see is contradictory? You're not the first poster to this thread to fall into this trap which makes me think it's education-related.

If I had children and one of them caused damage to someone else's property, I'd pay for the said damage.

End of. Guess I'm just old-fashioned.......