I did call the claims department and told them the situation. At that point they said I didn't have to make a claim. They asked who the driver was and what car was driven. After that they didn't understand why a claim would be made since nothing lined up. It sounded like I could but it wouldn't matter. I would love to pass the buck!!! The adjuster who called me to give the claim company his direct info and to deal with him. I still don't understand why they would care. Why would the adjuster care if the claim went over their limits? BTW parents and child have same liability limits.