Unfortunately, many teen drivers will have an accident during their first 12 months with a license. If you get the dreaded call from your child, try not to panic.
Follow this guide to take the appropriate steps after an auto accident involving your teen motorist.
Ask your child if he or she has an injury. If anyone at the scene needs medical attention, get the location of the accident and call 911. If your teen does not have injuries, he or she should move the car safely off the road if possible and call the police to report the accident.
If your teen does not need medical attention right away, advise him or her to take photos of the scene, exchange information with the other driver, and ask for the names and contact information of people who witnessed the accident. You can also help with these steps if you live close to where the collision happened and do not need to meet your child at the hospital.
Make a report
You can most likely start the auto insurance claims process if you are the main policyholder. Contact your insurance provider as soon as possible after the accident. Minnesota uses no-fault laws for auto accidents, which means you file a claim for property damage and medical bills with your own insurance company regardless of who caused the collision.
In certain circumstances, your family can file a lawsuit if another driver caused the accident. You must show that your child had injuries resulting in at least $4,000 in medical bills.