Daughter got first car....daughter also had first car accident. :(

#1 - Glad everyone is safe. I also had a kid wreck a car that was liability only; happened last year.

Thermo1223 said:
I added it too our policy today because we are not listed as drivers on their policy. This happened literally 1 hour after they dropped in off last night.
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I'm not sure about the timeline here, but it looks like you are saying you added the car to your policy after the damage occurred. That could be a bit of a sticky situation.

Does the Tiguan have comprehensive coverage?

It would be worth trying to figure out if you made an insurance claim, who would be liable for what and what you could expect as a payout. I have to confess that I can't figure it out, and I'd be hesitant to start a claim unless I knew how it would be handled.
 
Price it all out the best you can on a DIY basis. Otherwise try to find some body shop that's worth your money? Would it get done any quicker to put her back in it? Glad it wasn't any worse.
 
Brons2 said:
I guess she never rode a bike as a kid? Turn your handlebars in the desired direction of travel seems pretty instinctual, no?
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Daughter seems to be receiving meds for anxiety/other issues.
That would certainly cause them to not have the normal capacity an experienced driver would possess.

Kids on meds seems quite common these days.
My (soon to be) 20 YO niece informed my mom recently, of the physical ailments (caused from years of ballet) she receives prescription meds for. When I was that age, the most I'd take was an ibuprofen - and that was maybe one or two per year.
 
Oillover said:
Daughter seems to be receiving meds for anxiety/other issues.
That would certainly cause them to not have the normal capacity an experienced driver would possess.
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I think anyone can also freeze and/or make the wrong call when it's the first time in a new stress enviroment. Heck sometimes people do that even when they know better. What we do instinctively comes after years of repetition.
 
I’m teaching my son now how to drive and there were few instances when he backed out of the driveway and then proceeded to go forward without turning the wheel and ended up going in the same direction. My daughter did the same at first as well. Both don’t take any meds or suffer from any illness that would diminish their motor or cognitive abilities.

That’s part of learning and seems to be harder to grasp for them. But then they were raised in a city and never drove anything on four wheels. I was raised on a farm and drove tractors from a very early age.

This stuff happens.
 
Kira said:
How did both sides of the Tiguan get damaged?
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I think the three photos are misleading because both vehicles are the same color. If I am looking at it correctly, the Tiguan was only damaged on the driver's side and the Outback was only damaged on the passenger side. It looks like the first photo shows the Tiguan and the second and third photos are of the Outback's damage.
 
That's too bad. At least no one was hurt and no other parties were involved. Tough call on a 16yr/old Subaru. I'd be sure to check the sub frames for rust before I proceeded with major body work.
 
KrisZ said:
Ouch, honestly I’m not sure what I would do about the insurance.
I think I would eat it. Having an accident on your daughter’s record will likely cost a lot more in the long run by the increased insurance premiums.

As far as her driving experience, how much time does she have behind the wheel?

When I first started teaching my daughter to drive, I did it during the weekends and only inside our subdivision.
Perhaps a big parking lot is the best for her to get started?
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She's driven about 5-6 hours before this on city streets and our sub division. 2 of those at night even. It wasn't her norm.

brages said:
#1 - Glad everyone is safe. I also had a kid wreck a car that was liability only; happened last year.



I'm not sure about the timeline here, but it looks like you are saying you added the car to your policy after the damage occurred. That could be a bit of a sticky situation.

Does the Tiguan have comprehensive coverage?

It would be worth trying to figure out if you made an insurance claim, who would be liable for what and what you could expect as a payout. I have to confess that I can't figure it out, and I'd be hesitant to start a claim unless I knew how it would be handled.
Click to expand...

It does, I just added the Subaru today because if we drove it we are not covered as drivers under her(Wifes) parent's policy.

AZjeff said:
Out of pocket is the only way someone's insurance isn't going to get nuked. Surprised nobody has suggested adjusting the timing of events slightly and defrauding your insurance co.

The Tiguan will easily be $4-5K to have repaired. Ouch.
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Honestly this is my mind set, the Tiguan doors open and close. The rear has a small issue at the top not sealing 100%. I told my wife we will just let the Tiguan's damage ride for now.

Oillover said:
Daughter seems to be receiving meds for anxiety/other issues.
That would certainly cause them to not have the normal capacity an experienced driver would possess.

Kids on meds seems quite common these days.
My (soon to be) 20 YO niece informed my mom recently, of the physical ailments (caused from years of ballet) she receives prescription meds for. When I was that age, the most I'd take was an ibuprofen - and that was maybe one or two per year.
Click to expand...

She's inherited a lot of her Mom's anxiety and a bit of my OCD in a bad way. Without turning this into a doctor's note, she gets in her own head and overthinks the situation. The meds help but she still has her own internal demons to deal with.

supton said:
I think anyone can also freeze and/or make the wrong call when it's the first time in a new stress enviroment. Heck sometimes people do that even when they know better. What we do instinctively comes after years of repetition.
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Facts, they were surprised on how calm I was. It's done, yelling about it now won't change anything. It's just a car. I've made some whooper of mistakes in my life. Experience & wisdom are learned qualities and it takes time.
 
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Nukeman7 said:
I think the three photos are misleading because both vehicles are the same color. If I am looking at it correctly, the Tiguan was only damaged on the driver's side and the Outback was only damaged on the passenger side. It looks like the first photo shows the Tiguan and the second and third photos are of the Outback's damage.
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Yes sorry about that being it was dark and all.

Tiguan has damage to driverside front & rear doors.

Subaru is passenger front with the last photo showing the wheel pushed back.
 
I'd wait to fix the daughter's car until she has more experience. No sense in doing it twice. As for the other car, I'd pay out of pocket and have it fixed right.
 
Driving school is a great idea. There are as many ways parents teach kids to drive as there are parents. When I got my permit back when the earth was cooling my dad said get in let's go and onto a main road we went, I was scared stiff.

Maybe her next driving experience is in a large empty parking lot. I wouldn't wait too long, getting back on the horse and all that.
 
You don’t need to insure the Subaru if it’s already insured by the in-laws. It’s their car and she was borrowing it, any licensed driver is covered regardless.

You could hand the keys to your car to a homeless guy on the street and as long as he has a license, everything is covered as if you were driving it.
 
Nick1994 said:
You don’t need to insure the Subaru if it’s already insured by the in-laws. It’s their car and she was borrowing it, any licensed driver is covered regardless.

You could hand the keys to your car to a homeless guy on the street and as long as he has a license, everything is covered as if you were driving it.
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Problem is, the driver in question was not licensed.
Also, some companies have started limiting coverage in recent years. Driver exclusions are becoming more common, so one needs to check before assuming that they are automatically covered for a vehicle they're borrowing.
 
The Tiguan is $6k+ in damage.

Just use the insurance you have to pay for damages. She was not ready in that particular driving situation and it did not work out unfortunately .

2009 Subaru not sure. Sounds expensive to fix.
 
Glad everyone is safe, that’s the most important thing. If it were me, I’d try and find replacement doors from junkyards that are at reasonable distance from you for the Tiguan - that’ll take care of the cosmetics as a stop gap. Car-part website like others said.
Next I’d take the wheel off on the OBW and get the suspension squared away - parts from Amazon, RA, local auto parts store. That’ll give you a functional vehicle for the daughter and take care of some cosmetics on the wife’s vehicle,

After that, I’d prioritize getting the Tiguan squared away. Personally, I’d do just the minimal stuff on the OBW - she’s a new driver and bound to put more scratches on it. Let her get some more miles and hours of driving before spending much in the way of fixing up cosmetics on the Subie. My suggestion would be to piece meal the repairs and do them out of pocket, depending on how much budget, savings etc. you got. Good luck
 
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