It blames his stupidity on running his car into the pond on his equally stupid story that the dog did it. Either way he is incredibly stupid and not in control of his vehicle. Why do you take up for him so much? Was it you?
It buys him nothing. That is the point. I don’t see why this will help him with insurance or anything. Just because your child messed up the car doesn’t mean you the parent are not going to have to pay for any excess damages or premiums. They’re not going to help him out with his own dog involved.
I’m not defending him per se. I’m just tired of people constantly disbelieving the unthinkable, is all. Happens every week here. Some amazing story, and no one can believe it actually happened, but weird improbable but not impossible things do happen in real life.