Rokenn has a good point! I think it's similar here in NY.

I see I'm probably too late, but I'm going to repeat what others are saying: call the cops, report it to insurance.

1) Her immaturity isn't YOUR problem, and she needs to learn her lesson.

2) The potential for liability here is HUGE. She could just call the cops and blame YOU for the accident, and YOU would look guilty b/c you didn't report. In fact this happened to me once - I agreed to take cash instead of taking it through insurance, and I hadn't left the scene 15 minutes and they were talking to the police accusing me of everything from drinking to speeding. (fortunately, I got wind of this quickly and was able to prove I wasn't drinking AT ALL and she had a history of lying about this stuff)

3) If she is 100% at fault, you shouldn't have to worry about your rates going up unless no-fault is more of a reality than it is up here.

4) He's asking for an estimate - he's in NO position to demand anything; especially if she isn't insured on that vehicle. If I was in your shoes I'd be saying "Buy my car for $5K, or shut the f*** up and we go through insurance"....and buying a better car.

I'd keep in mind if you use the insurance you will have no doubts as to getting things fixed honestly and completely, and usually the person reponsible's insurance co. pays for car rentals as well, and you did say you need transport while your car is out. Normally I'd say just let bygones be bygones and take the father's deal, but given the situation, with your car being most likely totalled, I'd play it safe Larry. If this girl has that many points on her license, she probably needs to lose it for a time and take some driving classes anyway, for everyone's sake.

Just my 2c [img]smile.gif[/img]

I'd tell the father he has 10 hours to come up with $2000.00 Cash money. To cover repairs and my time. If not then in 10 hrs and 5 min I call and report to their ins.company and they can pay anyway and the kid looses lisence and his insurance costs hit the moon, time starts now TICK TICK TICK. NO games, no bull, Pay now or PAY big later no games period.
But its too late now. so I'd call the Insurance company and sue for $5000.00 for pain and suffering and inconvience plus cost of the rental
and cost of repair and replacement of your family transpertation.

Why would your premiums go up? Didn't she receive a ticket? When I was in that accident last month, my dad told me that (at least here, in NC) if the other person gets ticketed, you premiums shouldn't be effected. Or do they use that no-fault rule over there in Winstom-Salem?

I think the one fact Larry has excluded so far has been whether the police were even called to the scene in the first place.

From what I gather, he has.

Ahh, I missed that part apparently.

Hmmm.... I was just cleaning out some old paperwork and I came across something from an accident I was in almost three years ago. We were rear-ended, and my wife experienced a stiff neck.

It's a form from the insurance company, reading...

Now, that sounds to me like an insurance company doing a CYA -- you were hurt, you chose not to get treatment, correct? If something happens later as a result of this, we're not going to pay...

Just a thought, Larry. Life is different when you're a parent -- you can't think just about yourself, but about everyone else. And sometimes, it stinks.