What is the name of your state (only U.S. law)? This occured in the state of Alabama
To make a very long story short my 14 year old daughter took my car while I was out of town on business and was involved in an accident where my car was likely totaled and signifcant damage was done to the other vehicle. After the collision she and the 3 "friends" she had with her left the vehicle and ran only to be apprehended a short ways away. Witnesses to the accident put my daughter behind the wheel. She was charged with two counts of felony leaving the scene of an automobile accident involving injury and one count of unauthorized use of a motor vehicle (pressed by us).
The adjustor at my insurance company is now telling me that in order to avoid being sued and possibly being hit with a large punitive damage award (likely 6 figures for each of the people in the car my daughter hit) I need to withdraw the charge of unauthorized use and accept financial responsibility for the accident.
Something here sounds very fishy. I have never heard of an insurance company telling someone to withdraw these kinds of charges. In fact one of the investigators at the scene said that we needed to file the complaint so that we were covered.
Possible my insurance company is trying to avoid having to pay out a large settlement against my policy?