WOW I am not sure about this maybe she sould call her own insurance company and see what they say.

Momof2Stepof3 Apr. 1, 2009 at 4:34 PM

From my past experience, most insurance claims for damage or lost / stolen items you have to file a police report about the damage and / or item and give the report number to the insurance company.  I would possible have the neighbor document something in writing about which scratch came from my child and what she commented to you about " dont worry about it"  for your records.

Jellybean8888 Apr. 1, 2009 at 5:03 PM

Did she take a pix showing which was daughters scratch?

I would call insurance co., and find out if covered by Home owners or Auto!

 

DianaRo42 Apr. 1, 2009 at 6:06 PM

If the neighbor is dishonest, then she could end paying for all the damage. Also, if the neighbor pushes the police could investigate as if she was not watching her daughter. It all comes down to how much of a brat the neighbor wants to be. There is alot that could happen.

palexander Apr. 1, 2009 at 6:27 PM

I don't think the police will do anything to your daughter, it was an accident. I wouldn't trust the neighbor though. All she had to do was make an insurance claim and bring the car to a body shop to get fixed. No police report necessary. My car was keyed twice and I didn't need a police report, called the insurance and went to the body shop and it was fixed and paid for in a week.

tyfry7496 Apr. 1, 2009 at 9:59 PM

My insurance requires a police report for everything. It's really quite annoying. Even the rock that hit my husband's windshield on the interstate. Oh well, good thing we have really nice police officers around here. :) I wouldn't worry overly, it's just an accident, she's a kid. Hopefully the neighbor is just doing what she thinks she needs to do to get it fixed.

AndrisMom Apr. 1, 2009 at 10:26 PM

sorry i dont think that is considered under uninsured motorist lol last i checked you dont have to have insurance for your kid's bikes

mommam58122 Apr. 1, 2009 at 10:52 PM

Most insurance claims or accidents of this nature will require a police report.  The parent if proven the child did this will usually be held responsible but it would be a civil case not criminal.  I don't see any laws broken here but mom/or insurance company will be held responsible for repair to the extent of what your neighbor can prove. 

puppieluv Apr. 1, 2009 at 10:53 PM

she should ask the neighbor what her intentions are for the police report. if she says solely for insurance, don't get too upset. if she says something else remind her that she did say not to worry about it. either way she should have been up front from the get-go.

cethki Apr. 1, 2009 at 11:57 PM

Would be intresting to know if the neighbor actually finger pointed the kid in the police report, or just filed the report as an unknown cause. If she implicated the child, i'm sure the police would have atleast interviewed the mother and possibly child.

EscVelocity Apr. 2, 2009 at 10:30 AM