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					Originally Posted by  thstone
					 
				 
				I am more than happy to hear that your kids are safe! That is all that really matters. 
			
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 Yes, agreed, potential learning experience for all involved. 
Post #11 contains a telling sentence: " She over corrected to avoid a collision." Insurance Co will consider that as a confession of guilt. I consider it a normal reaction for most drivers especially, the young & inexperienced. Once the dust & dollars settle, I imagine your kids would welcome some defensive driving lessons. Maybe the insurance co will give a discount for them. Embrace this 2nd opportunity as much as you can.