Does anybody have any suggestions, and any idea how my insurance would handle this?

Question

A few days ago I was home for about two hrs in the course of that time some kid took and sketched about 10 drawing into the paint with a rock.
I filed a police report and talked to my insurance lady (at the time not knowing who did it) and in order for me to fix it I would have to pay my $500 deductible. But tonight when i came home the girl was out there getting ready to do again, and admitted she did it. So we called the cops and reported it and was basically told I am SOL since she was under 10...which is bull why wasnt the parents watching her at all. But I dont want to tell my insurance company i found out who did it, cause I am afraid then they wont cover it. But then again i was thinking maybe the renters insurance would...does anybody know anything about it?
the cops only suggestion was taking the parents to small claim court. which i am having surgery next week and dont really have the time nor the enery to fight it... any suggestion would help thanks

I am in south dakota. and we told the girl to go get her dad, and he came out and was like so what...sorry (but didnt act like he really cared, which is what really pissed me off...

the first cop that came on thurs when it happened did take a report, but said it would be atleast monday before i can get a copy, but the one that came tonight just went and talked to the parents, which i dont have a clue what happened with that.

Answer 1

Take the parents to small claims court and sue them like the police advised. They are accountable for their children's actions and can be held liable for the expenses of what their daughter did. If you don't want to do that, you'll have to cough up the deductible.

Answer 2

1. Send a signature-required letter to the father with an estimate attached. Don't threaten. Just ask for the money. Give him a deadline that would be after your operation and recuperation.

2. Get your operation and recuperate.

3. Assuming No. 1 doesn't work -- an it might -- send another letter mentioning that you will take him to small claims court.

4. Assuming No. 3 doesn't work, fill out the small claims forms, attach your other letter, the estimate, and the police reports.

5. Go to small claims court and get a judgment against him.

6. Collect the money.

I know you don't want to go to small claims. But the alternative is to put the claim in and spend your deductible. Your insurance claim would not be affected by the fact you know the perp.

Answer 3

Plenty of people are describing what it feels like (some people find it rather uncomfortable; others say it's not big deal). Cost depends on where you live and what programs are available. WHEN --- There is no benefit in getting a screening mammogram before the age of 40. The reason is that before that age the breast tissue is more dense, and the rays do not penetrate well enough to rule out a mass. So a "negative" in a woman under the age of 40 means nothing. In fact, the breasts of many women between 40 and 50 are still too dense to get a really good film. There is some debate about whether to move the screening age up to 50. Some physicians are already doing this. When a woman under the age of 40 has a breast mass that she or her clinician can feel, ultrasound is the first test that is done. This shows whether the mass is solid or fluid-filled. Fluid-filled is cystic and always benign. Most solid masses in young women are benign, too, but in this case a mammogram would be done to rule out cancer.

Answer 4

Did the cops take a report? If they didn't, go to the police station and file one NOW. They just didn't want to do anything. After you file the report, get a copy of it and send it to your insurance company. Your insurance company will probably go after the child and the child's parents, IF it costs more than $3000 total in damages. If it is less than that, you may have to take the kid and the family to small claims court to do anything about it.

Answer 5

I would report it to the insurance company . You would always have an option to file a civil suit. Insurance company will investigate (if it is covered) and find out about the girl anyway, but you can only speed thing up. Insurance will put more pressure on the parents of the girl to pay the claim.

Answer 6

I would contact the girls parents. Perhaps you can work something out with them where they pay it, or she pays you back for it, or something. The girl should get in trouble, you're absolutely right. I dont' get how a lot of States these days have laws where a 12 year old can't be home alone, but a 9 year old can roam the streets....

Anyway....

Do that first. Let the girl's parents know that it is going to cost you 500 dollars out of your own pocket. Let them know you feel you would have a good case in small claims court, and you'll pursue it if you feel you have to, but would they work out something with you to avoid the hassle?

I know if my kid were responsible for vandalizing someone's home, I wouldn't want the home owner or renter to have to be financially responsible for it. My parents, and a lot of other parents I know, would feel the same way.

I'm a little suprised the police did nothing with the girl. Did they even escort her home and talk with her parents???? That's just insane if they didn't.

Anyway, yeah, try reaching the parents first. Maybe you can all work out something acceptable for you and for them.

Answer 7

Yep, take the parents to small claims court. You renters insurance isn't like homeowners, it only covers the contents of the dwelling - not what's parked in the driveway. It would be under your comprehensive claim.

Answer 8

Send the parents a letter, which is okay if you send it, better if you have an attorney send it. Demand the money. Then go have your surgery and relax. If they don't pay by the time you feel up to it, then take them to Small Claims. You have at least a year, maybe longer, before you're barred from filing a claim against them.

Answer 9

send 1st police report to the ins co. sue parents for the 500. deductable & court costs.don't listen to any insurance ppl that r not a claim ajuster! ps I love SD.frm me @Fla

Answer 10

That is what house insurance is for........... I would file the claim the worst they can do is say no. We had a fence on our property that rotted away from wind and rain damage, had no intentions in getting it fixed we just wanted to take it down. The insurance company covered it and it was a smooth transaction. I would try it because it is clear there is damage to your property.