Originally Posted by Rezasartipi
Mom gets to carry the kid for 9 months, Dad carries them for at least the next 25 or 26 years.
Any butt can afford a BMW but it's the kids that are the expensive things in life as you never know what expenses are going to come up.
Why do I say this? If Dad files, then Dad's car insurance goes up and not for just a quarter. Allstate used to be famous or infamous as the case may be for cancelling the first time you called up with a claim. Dad is probably leveraging you to pay for the damages so he doesn't have to report it unless he has the bucks to burn on his insurance plan.
The tip-off is that he is wanting to stay the 'good-guy' and let the insurance company be the 'bad guy.'
Will the insurance company find you out? In a heartbeat.
So you are going to have to pony up, go into adult-to-adult mode and step into negotiator's shoes. 'Mr Dad, we both know if we can settle this between ourselves the less hassle and expense there will be for you, your daughter and myself. And another hassle is what we like to avoid, and that's the truth. And dealing with even the best of insurance companies is a hassle. In the interest of fairness, no one was injured, it was on private property and I would bet that what you want is to get your car fixed and back on the road asap, and without you having to pay out of your own pocket for it. Even better, if no claim with your daughters name on it. Isn't that what we both want? Get your car fixed and on with our lives? Am I correct on this? It's what I would want, getting my car fixed and parting as friends as these things just happen in life. Does that make sense? Is this what you ultimately want - after all, you are teaching your daughter how to handle these kind of situations with grace and ease in the future. Let's show her how it is done well.
So deal is, what's in it for Dad and what's in for you as the other driver. Acknowledge and approach the deal as adult-to-adult as that gets things done. Above all, keep your cool. Accept in your heart that your stupidity in driving with a suspended license has cost you once again and go on and get on with it. As Paula Poundstone observed, 'Once you accept that you are going to get a ticket then you can park anywhere you like' - it's the accpetance of consequences that will help you through it.
Best of luck.