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13-year-old stole car and crashed into garbage can

teen stole car and crashedMy 13-year-old stole my car and crashed it into a garbage can. I filed a claim with my insurance company, but now my insurance company won’t fix my car unless I file charges against my child. Is it possible for an insurance company to demand that you file charges against your own child?

It sounds like your auto insurance company is trying to keep your teen off the road. This is an unusual request, but it can happen.

Most insurance companies would not insist that charges be filed against your child before they pay the claim. Under normal circumstances, you could make a claim for repairs under your collision coverage. In the future, keep your keys locked away until your son learns driving skills.  

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