To not bail DD out with car damage

At 18, saving is probably the last thing on her mind, however as she has a car, she has responsibility so must save. It's as simple as that.

Lend her the cash with rules to pay back ASAP.

Sounds a bit excess-ive. 🤣

Please don't, alcohol poisoning is dreadful. 🥰

Next time I see a long thread about car insurance I’m going to play a drinking game. A shot every time someone demonstrates their ignorance of excess.

Another one who knows nothing about insurance.

Where are you getting any of that from !

Check OP's posts ?

And yet you're the one who seems to completely lack any empathy for this young person who has had an unavoidable accident and now needs a bit of help. You're almost gleeful in your "that'll teach her, she has to learn!"-there are nice ways of going about things. Why punish her. But yeah hopefully you take your own advice and never ask for any help in life. I'm sure that's really the case. Seriously we hold teens more responsible than 40 year olds on here it blows my mind.

I would lend her the money otherwise her dad will pay. I'm getting the impression he wouldn't make her pay it back which isn't on really.

Your loan should be made on the proviso that, once it's repaid, she keeps giving you eg £200 a month (or whatever) to save for her. Otherwise, no deal. And no further loans or anything in future - the bank of mum is closed.

Irrelevant as she won't have to pay an excess

For £600 worth of damage? I suspect her excess is at least £600 at 18!

Also she only works part time so realistically couldn't save much and go out.

And yet she has booked a holiday. How will she pay for that if she doesn't earn enough to save?

18yrs is still very young. It really is. Brains don't fully develop till 25!!
Also she only works part time so realistically couldn't save much and go out. And that is the age she should have fun.
Pay it for her. Let her pay it back gradually. That is a good lesson without being punitive.

I can't see how an 18 year old who works part time earns "a good wage". Clearly she is only earning enough money to cover her travel, car costs, books, clothing, beauty products, food and social life. Pend her the money for goodness sake, but make her know that if it happens again, she uses her insurance.

This was in the late 90s

If I had it, I'd just give it to her, is she 18 at sixth form college as if so surely it's just a part time job for pocket money. My Mum would have given this to me at 18 and way beyond, without paying her back. I've turned out fine and have a house, money, job and I do the same for my children.

Her excess is £400 but that’s irrelevant as the claim is by the other car owner, not for damage to her car. It has been mentioned by myself, and others, that there can be other repercussions of not informing the insurance company which can be far more costly that an increase in premiums.

Can't believe people are saying go through insurance. She's 18; insurance will already be into the thousands, and her excess will be easy 300-500.

Go through insurance, save £100 quid and have increased premiums for the next 5 years - no thanks.

Lend her the money, with strict repayment terms.

So difficult!
My reaction would be to tell her no and to sort it out herself. Maybe a bit of a hand with phone calls / form filling etc.
It's easier said than done though. I've bailed my adult son out so many times!

I had to look that up.
No! That nonsense is for idiots. Complete rubbish.
I’m just a sensible businessman (I’ve been running businesses and working for myself since I was 15) who dislikes being ripped off, or seeing others being ripped off, or otherwise taken advantage of.
Insurers are quite good at doing that.

Absolutely. Kids will never learn if they are not taught they need to take responsibility for their actions. Had she been more responsible with her money then I would say yes, loan it to her. But if she gets it now it continues the never ending cycle of having to bail her out!

She is 18, I would definitely LEND my child this but expect it paid back following a plan…and use this as an opportunity to show they can save a bit every month.

Freeman on the Land ?