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

So, my 17 year old son made a driving error, which caused an accident in December.

I am fully recovered, bills were paid by auto and health insurance. We owed less than 200 dollars at the end of it.

I was fortunate that I was not gravely injured (anyone who suggests a Prius isn't a safe car is wrong, it protected me from worse injury).

Yet, my insurance company keeps calling me and asking if I want to make a pain and suffering claim....against said 17 year old son. He asks me if I want a lawsuit....against my child.

I keep saying no. That is part of what makes insurance more expensive for everyone. I told him no today when he called and that I know that this is his job, but to stop calling.

So, am I an idiot for not signing up for the "free money"?

I think this may be why we're not wealthy...