What steps should I take when someone backs up into your parked car?
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UPDATED: Oct 19, 2012
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Insurance Question from San Jose, CA
Asked on 10/19/2012
What steps should I take when someone backs up into your parked car? I was parked in a parking lot and eating lunch at a restaurant. When I am done with my meal I see a note on my car saying she (the driver) backed up into my bumper. She left her contact information, though I have yet to call her. What steps should I take to resolve this issue?Thanks
Answer given on October 23, 2012
If your car was parked and struck by another party who left their insurance information, you should proceed with contacting the other party or their insurance company. If the driver left their insurance information, you should call the insurance company and set up a claim. Hopefully the other party has already reported the incident. If not, the insurance company will need to contact the driver for their statement. The insurance company will then work up an estimate for the repairs to your car. They will also pay for a rental car while your car is being repaired.You can also file a claim through you insurance company and then they will subrogate with the other insurance company for the repairs. However, if you do it that way you will have to pay your deductible for the collision damage and won’t be reinbursed until your company gets repair by the other company. It is usually easier to go through the other company if they are cooperative.
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