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Ocelot II

(131,123 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

Thursday

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 Thursday OP

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

Well, they should be honest about that Bettie Thursday #2

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

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

It is actually my insurance company Bettie Thursday #13

That is odd, then. Ocelot II Thursday #14

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

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

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

An UBER driver took me home Submariner Thursday #3

Exactly what I was thinking Bettie Thursday #4

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

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

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

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

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

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

Yup. Ms. Toad Thursday #18