<prompt> Human: My son, in his truck, just backed in to my daughters car. Both are in my insurance with just liability. Would it be worth turning in to insurance? My son is 21 and the rate for him just dropped a few months ago to a more manageable amount, so I dont want to risk the rates going back up. The damage was to the drivers door, so Im guessing I could fix it myself find a used door for under a grand. I think I know the answer, but would love another perspective.Edit: His truck wasnt damaged its junk anywaysEdit 2: Thanks for all the responses. As I understand it, I cant be liable to myself so theres no advantage to involving insurance. My son will help to pay for and repair the damage.Assistant: Your 21 year old son should pay to fix his sisters car. Human: I like this answer. He will definitely be paying something. Based on most o these answers well probably do the work ourselves.  <response>: Go to a pull a part. Make him do the work of getting a door and fixing it. If he ever complains about it, just tell him hed be on his on insurance from now on. Hes a man now. We take responsibility for our actions. 