It’s all fun and games until your kid backs a Lambo into a BMW. I’m Amy E. Feldman.
In what was probably not a perfect day with the kids, Ben Affleck and his ten-year-old son were at a high-end car dealership when Affleck apparently let his ten-year-old get into the driver’s seat of a Lamborghini, wherein he put the car in reverse, bumping a BMW behind him. You might not have access to a Lambo, but you probably have lent your car to a friend or to your kid. And if they get into an accident, who pays? Usually, your insurance, which of course will cause your rates to rise later.
Check your insurance but most policies do cover accidents covered by people to whom you’ve given permission to use your car—unless you’re handing the keys to someone you know doesn’t have a license, in which case the insurance company may try to deny the claim. In Affleck’s case, the dealership said there was no damage to either car, but lesson learned: maybe next time hand the kids an ice cream cone instead of the car keys.