Thanks for the help. I am still going over four issues in my mind though. Number 1: should i tell my paretns and risk getting in a lot of trouble. Number 2: Do you think if she was gonna file a claim she would call me first (told her to do so as a favor to me) Number 3: Does anybody know the standard operating procedure for insurance companies? For example, do you know how soon they would contact me if she did in fact make a claim? Four: Do you think if she has not already called me then i am off the hook seeing as it was 5 o'clock yesterday. Thanks for all the input its really helping me out.