- Jan 3, 2001
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My son went to a lake house that's 1.5 hours away owned by his friend's grandfather. They were there for an hour when we got a call- my son and his friend were on their golf cart, and my son backed it into a utility pole, taking down the pole (and electricity to the neighborhood), and damaging the cart.
My son was driving it, and he's never driven anything in his life (he has vision problems). If the damage is as bad as he's describing, it could be a few thousand dollars in damage---which we can not afford at this point.
If we get charged for damages, is this something our homeowners insurance would cover? Would their homeowner's insurance cover it and we'll cover the deductible? I have no idea what to do here.
That kid is going to bankrupt us- he's broken his jaw twice in 6 months (and oral surgery isn't covered by our insurance), so that was $8000 out of pocket, and now this
UPDATE: OK, got details:
He backed into a utility pole, and the transformer at the top of the pole fell off (!!!!!!!), taking the lines with it. There was little to no damage to the cart.
At most, we'd be liable for the electrical repairs, but HOW THE HELL DO THOSE THINGS FALL OFF OF POLES WHEN THEY'RE BUMPED???!!! HE COULD HAVE BEEN KILLED!!!!
UPDATE 2: My son came home yesterday and we got the full account of the story. He was invited to drive the golf cart by his friend. He had to back out of a driveway (and has never driven anything faster than a lawn tractor before). While backing out, he hit a utility pole at about 10mph. There was no damage to the golf cart, but one of these things fell down and took all the powerlines with it:
There were sparks flying everywhere, and the golf cart's owner was screaming at the boys right after it happened in a panic reaction. The power company came out and determined the transformer was not secured properly to the pole. No charges will come out of it.
*relief* I can take my add off of Craigslist to sell him for organ harvesting now.
My son was driving it, and he's never driven anything in his life (he has vision problems). If the damage is as bad as he's describing, it could be a few thousand dollars in damage---which we can not afford at this point.
If we get charged for damages, is this something our homeowners insurance would cover? Would their homeowner's insurance cover it and we'll cover the deductible? I have no idea what to do here.
That kid is going to bankrupt us- he's broken his jaw twice in 6 months (and oral surgery isn't covered by our insurance), so that was $8000 out of pocket, and now this
UPDATE: OK, got details:
He backed into a utility pole, and the transformer at the top of the pole fell off (!!!!!!!), taking the lines with it. There was little to no damage to the cart.
At most, we'd be liable for the electrical repairs, but HOW THE HELL DO THOSE THINGS FALL OFF OF POLES WHEN THEY'RE BUMPED???!!! HE COULD HAVE BEEN KILLED!!!!
UPDATE 2: My son came home yesterday and we got the full account of the story. He was invited to drive the golf cart by his friend. He had to back out of a driveway (and has never driven anything faster than a lawn tractor before). While backing out, he hit a utility pole at about 10mph. There was no damage to the golf cart, but one of these things fell down and took all the powerlines with it:
There were sparks flying everywhere, and the golf cart's owner was screaming at the boys right after it happened in a panic reaction. The power company came out and determined the transformer was not secured properly to the pole. No charges will come out of it.
*relief* I can take my add off of Craigslist to sell him for organ harvesting now.
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