Originally posted by svt4stv:
Originally posted by TourDeForce:
The kid had no DL, therefore he was not insured. You will be dealing with your insurance company only, & you may need to get legal help & possibly sue the kid/parents for additional monies to fix your car.
Unless your company is waaay big time cool about this, you're gonna have to sue or be in a world of hurt. 
you dont need any legal help. thats what the insurance company is there for. you are their customer and they will fight for you in a case of he said she said. your insurance will go after his insurance to pay. if he is excluded, they wont pay. then your insurance will pay but may charge you a deductible, unless you have uninsured motorist coverage. (i have no clue what canada offers). if you have to pay for anything, then you can go after his parents, or him, in small claims to recover it. such as deductible or whatever.
That's pretty much what I just said...
Must be that jumbly-wumbly thing happening again.
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