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Ocelot II

(131,123 posts)

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

Reply to Ms. Toad (Reply #15)

Thu May 7, 2026, 05:22 PM

Thursday

None of the insurance companies would benefit from a subrogation lawsuit against the son, unless he's independently wealthy outside of his parents' and his coverages. People sue family members only when there's insurance coverage for injuries caused by that insured family member (in many states no direct action against the insurer is available). Maybe the adjuster was just trying to be "helpful," but they rarely are. Did the son get other compensation as a collateral source that the insurer was looking for?

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18 replies

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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