All of what JDMevo said is true. Those examples that he used are stories that I told him of the calls that I get from people that make claims to me.

If he puts a claim with his insurance company the rate will go up. Ok say he does put the claim in with his insurance, what will happen is this, the company will figure out how much damage is done and pay out by that but then once that happens his premium will go up due to the claim and than if he goes to switch insurance companies that claim will stay with him to bite him in the ass because other companies look at what claims have been paid out from prior companies and they have a rating system that will cause the premiums to be high for him everywhere else he goes. Some companies do have a waive policy where they don't charge you extra for the first not at fault accident but it depends on the companies policy and it depends on how many claims he has put in already. But the policy that he has now the premium will go up. It doesn't matter if they are family members or not. If they have two separate insurance policies, SLOWBOOST's policy just considers the family member to be a claimant. If he is on his parents policy with his vehicle than there will be two claims in because it would be two insured vehicles involved and by law the person taking the claim will have to submit two claims even if his dads truck doesn't have any damage. Insurance is never fair. I was taught that in my licensing class.