If the car your 16 year old was driving is registered to you, your only exposure is $15,000 per claim out of the accident with a maximum amount of exposure of only $30,000. You have sufficient insurance to cover your own exposure.
The ONLY way you would face exposure above those amounts would...
I hope you took pictures of the damage. did you make a claim with your homeowner's insurance to clean up the mess?
Has your ex admitted to causing the damage?
you may also seriously consider a restraining order against the doofus.
What is the name of your state? Fear
I am the president of a middle eastern country. Last night my brand new 2003 MBZ 500 was destroyed by some vandals. Nothing is left but the ashtray and my Lojack alarm.
The only proof I have is part of a missile that says "Made in U.S.A."
What is the name of your state? California
How long does a satisfied judgment remain on a credit report? How does a satisfied judgment affect a person's credit rating? How many points does the judgment lower a person's credit rating?