Be nice. He hydroplaned during a torrential thunderstorm (think Florida-like), straight through a T-instersection stop sign; across four lanes of highway traffic; nose down in a 6' ditch on the opposite side of the highway. He could have been very badly injured.
Insurance paid out almost 11K on a 3 1/2 year old Versa. Not even a Note, just the plain sedan.
He was charged with careless driving, but we paid huge bucks to take a defensive driving course, and charges were dropped to "failing to stop at a posted intersection". He wasn't speeding, but was driving too fast for the conditions. He was also skipping school at the time. If his a$$ had been in class, he wouldn't have ended up in the grass.
We did not replace the car. I may be dumb, but I'm not an idiot.