My oldest child learned an important lesson last week. He was out playing with some neighbors and suddenly came running home. He was noticeably upset and immediately told me what had happened. Some girls started throwing pebbles at him and his friend. My son made a poor decision to grab a pebble and throw it back. His throw was strong but his aim was terrible and he ended up smashing a car window.
Well, I grabbed him and headed out to find the vehicle's owner. We did and explained that my son has $200 in his name and would be responsible for the repair. We exchanged contact info and I took my son home.
Imagine my surprise when the car's owner called me to request we pay the bill in full. The quote the owner provided was over $500 and that didn't include tax or possible "other costs." Well, that's one heck of an unexpected bill and obviously my son's life savings wouldn't even cover half of it!
I decided to call around myself to hunt for a better price. My first call was to Glass Doctors where a very friendly sales rep. advised me to call my Homeowner's Insurace before agreeing to pay anything. Homeowner's Insurance?!?! I honestly would never have thought of that!
Well, I immediately called, explained what had happened and to my amazement discovered that this would be covered under the liability portion of my coverage. Double bonus, no deductible would be changed under liability!
The claim was immediately filed and everything is proceeding smoothly. My son learned a valuable lesson adn will obviously think twice bfore throwing rocks and I learned yet another reason why Homeowner's Insurance can be a lifesaver!
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