[Hetmann]

Well, I'm driving the SC everywhere now. Good thing that the weather is nice. Yesterday, my nephew (age 19) was driving my truck and totaled it. It was old, so I had dropped collision coverage. He's a good kid and wants to "pay" for it, but I know he and his mom can't afford it. He's staying with me doing odd jobs this summer to have a little money to take back to college in the fall.

I was willing to accept the risk when I dropped collision coverage because the truck is old and pretty much fully depreciated and I'm a pretty sane driver (i.e. old guy putting along). I never thought to upgrade the coverage when he came to stay with us. The truck was mechanically sound and didn't really need anything. I wasn't planning on replacing it anytime soon.

Anyway, what do you all think is fair? Should I just eat it. Should I take it out of his hide when I know it will wipe him and his mom out. Should I let him pay some reasonable "deductible"?

Other fact... He was at fault and got the ticket. I'm sure that will cost him a wad.