A valet company wrecked my car, they said they are going to have their body repair shop fix it. Should I notify my insurance?
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UPDATED: Aug 15, 2014
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Insurance Question from Mesquite, TX
Asked on 08/15/2014
A valet company wrecked my car, they said they are going to have their body repair shop fix it. Should I notify my insurance? Its been 2 weeks since the incident, it also took a week for them to call and set up a time to look at the car damage, after they looked at it they called and said they need the car for 3 days to fix it, and said they were going to see about getting me a rental car for the time being but have not called me back in 2 days. What should I do?
Answer given on August 16, 2014
If a valet company wrecks your car while they have possession of the car, they are responsible to take care of the repairs. If the car will take three days to repair, they must give you a rental car for that time. If you are not happy with the time it is taking to get this taken care of you should continue to call the insurance company to confirm they have accepted the cost for a rental car and to confirm the date the car is to be taken in. If they continue to delay you can use your insurance company for the repairs and they will then subrogate against the other insurance company for the cost of the repairs. However, your collision deductible will apply if you use your insurance company. Once they get the money from the other insurance company you will get your deductible reimbursed.If you stay with the valet’s insurance you do not need to report the incident to your insurance company since they will not be involved.
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