[WARP TEN]

Bill, if you have a good agent, you certainly should talk with him about your options, but I would suggest that you not file a claim with your insurance company unless you have an agreed value policy, and even then I am not so sure. Rather, I would suggest that you first get a couple of estimates for the repairs and then talk with the teenager's parents. If you eventually need a lawyer, fine. But I would think a discussion with the parents of the teen would probably result in them paying for the repairs (or at least a fair portion of them) rather than filing a claim with their insurance company for their daughter. Certainly worth a try and maybe a discussion with an attorney ahead of time as to how best to approach the situation. I think if there is any possibility of getting the car totaled by the insurance company you would want to avoid that as it is sure to result in a salvage title if you manage to keep the car. Always best to first try to work something out with the at fault party. Just my $.02.--Bob