A valet company wrecked my car, they said they are going to have their body repair shop fix it. Should I notify my insurance?

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: Aug 15, 2014

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

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.


IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption