Driver plowed into our yard where my nephew was riding his go-kart — we're shaken up bad

Please do not give that insurance adjuster a recorded statement. I can't stress this enough. They called you twice already — that's not because they're being helpful, that's because they want to lock you into a version of events before you fully understand what happened or how hurt your nephew actually is. Soft tissue and joint injuries can take weeks to fully show up. Don't settle anything until all his medical care is done.

Something similar happened to us — car jumped a curb near our driveway and hit my dad's motorcycle while he was standing next to it. The 'friendly' calls from their insurance started almost immediately. We made the mistake of being too open on the first call and it came back to bite us later in the process. You're not obligated to talk to them at all right now.

A few practical things worth doing right now if you haven't already: photograph all property damage before anything gets repaired, get a copy of the police report as soon as it's available (usually a few business days), and save every medical receipt and appointment note going forward. If toxicology comes back showing impairment, that changes the legal picture significantly — so don't rush to resolve anything while that's still pending.

I just want to say I'm so relieved your nephew is physically okay. Reading this gave me chills. You're doing the right thing by asking questions instead of just letting the insurance company steer everything. Take care of your family first and don't let anyone pressure you into quick decisions.

I used to work on the insurance side of these claims. Those early calls are absolutely a strategy — when they reach out fast, they're hoping to establish goodwill and get you talking before you've had time to think. If the toxicology comes back positive or even inconclusive, the liability calculation changes dramatically and they know it. Don't assume the first offer (if one comes) reflects what the claim is actually worth. It almost never does.

Not legal advice, but — a vehicle leaving the roadway and striking a person in their own yard is a pretty clear-cut liability situation in most places. The fact that your nephew is still having symptoms and has a follow-up appointment means his treatment isn't finished, and you generally don't want to settle any injury claim until you know the full picture medically. Many PI attorneys do free consultations, so it might be worth at least having a conversation with one before you say anything more to the other driver's insurer.

Stop answering the insurance company's calls. Full stop. You're not required to, and every word you say is being used to minimize your payout. Get the police report, document everything with photos and written notes while it's fresh, and let a lawyer talk to them instead. You can figure out representation later — right now just stop engaging with their adjuster.