Underage driver accident - Help!!
So just hopefully looking for some advice! Had an accident at my home where my 12 yr old neighbour from across the street and his friend took the mother's car, lost control and crashed into my house!! Significant foundation damage. Apparently their insurance is not covering it because he was 12 and thus not supposed to be driving. My insurance premiums will go up big time if I claim this on my home insurance because I had another claim last year. Damage is over $28,000 and the family is saying they can't afford to pay. How should I proceed?? I feel like somehow their insurance should be paying for this. I'm in the process of getting a lawyer but would love to hear some suggestions just to know what to expect or if anyone knows any other tips!