[husker boxster]

What is the point of 'lawyering up"? Are you trying to exonerate your kids and pin the accident on someone driving a car that hasn't been identified? If as stated you don't want the ins co to jump to conclusions, are you suing them for that? I don't get the point you're trying to make. What difference does it make if they jump to conclusions, aren't you still going to have to pay the deductible?

Have you contacted the phone company to see if there was any texting or phoning going on before you categorically state nothing was happening? I'm reminded of someone's avitar saying, "Trust but verify" - Ronald Reagan.