I coach a 10U baseball team. During our third game Saturday, my son fouls a ball straight back, over the backstop and supposedly into the windshield of a SUV. I couldn't see where the ball ended up so I don't know if it hit the car or not; there were probably five - ten foul balls that ended up back there over the course of this game.
At the conclusion of the game, a guy approaches my son and asks where his parents are. I step forward and he says he wants my insurance information because I'm paying for his new windshield. His demeanor was agressive. I stayed calm and indicated I thought he was incorrect; he parked his car in "harm's way" and there's assumed risk in doing so at a baseball game. He said he'd called his insurance agent, who told him I was responsible. I gave him my name and phone number and told him to have his agent call me.
I called my agent who told me there "might" be coverage under my homeowner's policy (Damage to Property of Others). He further advised that I pay it out of pocket, as there'd be an automatic "surcharge" to my policy that'd cost me in excess of $500 (over a 3 year period) if I turned it in.
The guy called and left a message last night that I have yet to return. I don't believe my son is responsible for this broken windshield and it doesn't matter that my homeowner's insurance might have coverage; I'll end up paying for it one way or the other. I'm thinking of telling him that I won't pay and he can take me to small claims court if he wants to pursue it.
Anybody have a similar experience? Anybody have any advice as to how I should handle this?
At the conclusion of the game, a guy approaches my son and asks where his parents are. I step forward and he says he wants my insurance information because I'm paying for his new windshield. His demeanor was agressive. I stayed calm and indicated I thought he was incorrect; he parked his car in "harm's way" and there's assumed risk in doing so at a baseball game. He said he'd called his insurance agent, who told him I was responsible. I gave him my name and phone number and told him to have his agent call me.
I called my agent who told me there "might" be coverage under my homeowner's policy (Damage to Property of Others). He further advised that I pay it out of pocket, as there'd be an automatic "surcharge" to my policy that'd cost me in excess of $500 (over a 3 year period) if I turned it in.
The guy called and left a message last night that I have yet to return. I don't believe my son is responsible for this broken windshield and it doesn't matter that my homeowner's insurance might have coverage; I'll end up paying for it one way or the other. I'm thinking of telling him that I won't pay and he can take me to small claims court if he wants to pursue it.
Anybody have a similar experience? Anybody have any advice as to how I should handle this?