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yes, insurance is up to date (Allstate). Cap on liability is 100,000.
No He sustained a closed head injury and does not remember the accident. the officer was showing me his phone alot and talking about the times my son was texting. he did not keep the phone.
also, should we plead guilty and pay the fine or get a lawyer first>
FYI-NYS does not have "no contest". You have to plead guilty or not guilty.