YBeNormal
Well-known member
Ok I am not real sure how insurance works but I am really getting floored by mine right now. Maybe someone can shed some light on it for me.
Sorry this is long.
So a couple weeks ago. The 23rd to be exact I was pulling out of our back farm entrance in my truck as I was coming up to the gate a small quad went by with a woman on it (not legal but not unusual) so I pullout of the gate turning right look down the road and see a small truck but I have plenty of room so I continue to go. Well lo and behold here comes a kid out of the woods next to the road on a dirt bike wide open. I crank the wheels hard right and lock up the brakes and stop and watch him slide track on track into the left front corner of my truck.
Now I have one of those big steel winch bumpers on my truck so when he hit he stopped and just fell over. I get out and pick the bike up off of him and try to see if he is ok and he is acting like I hit him on purpose. The truck that was coming saw the whole thing and pulls up and calls 911 so they all show up and the woman on the quad comes back and it is the kids mom. He is telling her I tried to run him over blah blah and she is telling him shutup he did not.
Well the kid shattered his knee and left in an ambulance. His mom told me to let her know whatever it costs to fix my truck. I told her don't worry about it it is nothing I can't fix my self take care of her son.
Well FHP shows up and finds me not at fault and calls it a night
Now me being the cautious type goes home and calls my insurance company and tells them I am not claiming any damage but I want to give them a heads up if the kids family tries to sue or anything (since that's the way the world is now). They say ok thanks and I think it's all over.
Since then my insurance has been harassing me I had to go to the scene and stage for pictures and they are interviewing people and trying to see what the klds family wants to do and including going to their residence today to sitdown with the family to see what happened.
So this is where I'm lost. These people have made no effort to claim anything against me but my insurance company seems hell bent on giving them something. They are telling me they are calling them sending them letters and Now going to their house.
We have the police report that's states I am not at fault and a witness that says the same so what is my insurance company doing?????[S
Sorry this is long.
So a couple weeks ago. The 23rd to be exact I was pulling out of our back farm entrance in my truck as I was coming up to the gate a small quad went by with a woman on it (not legal but not unusual) so I pullout of the gate turning right look down the road and see a small truck but I have plenty of room so I continue to go. Well lo and behold here comes a kid out of the woods next to the road on a dirt bike wide open. I crank the wheels hard right and lock up the brakes and stop and watch him slide track on track into the left front corner of my truck.
Now I have one of those big steel winch bumpers on my truck so when he hit he stopped and just fell over. I get out and pick the bike up off of him and try to see if he is ok and he is acting like I hit him on purpose. The truck that was coming saw the whole thing and pulls up and calls 911 so they all show up and the woman on the quad comes back and it is the kids mom. He is telling her I tried to run him over blah blah and she is telling him shutup he did not.
Well the kid shattered his knee and left in an ambulance. His mom told me to let her know whatever it costs to fix my truck. I told her don't worry about it it is nothing I can't fix my self take care of her son.
Well FHP shows up and finds me not at fault and calls it a night
Now me being the cautious type goes home and calls my insurance company and tells them I am not claiming any damage but I want to give them a heads up if the kids family tries to sue or anything (since that's the way the world is now). They say ok thanks and I think it's all over.
Since then my insurance has been harassing me I had to go to the scene and stage for pictures and they are interviewing people and trying to see what the klds family wants to do and including going to their residence today to sitdown with the family to see what happened.
So this is where I'm lost. These people have made no effort to claim anything against me but my insurance company seems hell bent on giving them something. They are telling me they are calling them sending them letters and Now going to their house.
We have the police report that's states I am not at fault and a witness that says the same so what is my insurance company doing?????[S