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If you have collision coverage you can receive payment for the damages minus your deductible, your company then should go to the child's parents for repayment (subrogating them), including your deductible.

The parents are ultimately responsible, and can file the claim with their homeowner/renters policy. However, I would suspect an exclusion for any land motor vehicle.

Beware, if you have the parents pay just the deductible, and your carrier pays under your collision coverage, them simply paying your deductible does not free them from paying your insurance company the rest of the damage.

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13y ago

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