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Ocelot II

(131,182 posts)

10. Or the insurance the OP is referring to isn't the car insurance but the health insurer's agent,

Reply to Ms. Toad (Reply #6)

Thu May 7, 2026, 12:50 PM

May 7

trying to get some of its payout back from the person who caused the accident, the usual subrogation situation. But it's possible that they were separately insured for auto liability; car insurance for someone that young is expensive, so maybe he had a separate high-risk policy from another company. Otherwise why would the agent try to get the OP to sue her son?

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Bettie

18 replies

= new reply since forum marked as read

Highlight:

"Am I an idiot" question....regarding auto accident and insurance [View all] Bettie May 7 OP

They're looking for a subrogation claim to get some of *their* money back. Ocelot II May 7 #1

Well, they should be honest about that Bettie May 7 #2

That only makes sense if parent and son are insured by different companies. Ms. Toad May 7 #6

Or the insurance the OP is referring to isn't the car insurance but the health insurer's agent, Ocelot II May 7 #10

It is actually my insurance company Bettie May 7 #13

That is odd, then. Ocelot II May 7 #14

Health insurance doesn't normally apply to pain and suffering. Ms. Toad May 7 #15

True. Without knowing more it's a impossible to say what was going on here. Ocelot II May 7 #16

Agreed. It doesn't make sense on the face of it. n/t Ms. Toad May 7 #17

An UBER driver took me home Submariner May 7 #3

Exactly what I was thinking Bettie May 7 #4

Your 17 year old has their own auto insurance/liability policy, rather flvegan May 7 #5

Nope....he's on our policy Bettie May 7 #7

Suing a 17 year old dependent, living at the residence, on the same policy flvegan May 7 #11

Something trump would do. The spread of crazy evil. off-the-clock May 7 #12

I keep the pain and suffering in my back pocket, in case I need it as leverage. Ms. Toad May 7 #8

Isn't it weird how they are so insistent on weird stuff? Bettie May 7 #9

Yup. Ms. Toad May 7 #18