assuming i choose not to sue in small claims court, but it’s a tough claim to prove, since wife didn’t notice damage until a couple days after leaving lot.
my comp deductible is $0, but i don’t think it’s comp – you sure? because the car collided with something.
Report about Auto Insurance information
it would be under comprehensive
the only claims under collision are when there is collision/accident
get an estimate also keep in mind that if you file a claim there may be an increase in your rates, dependent on your policy/company.
If you have a high deductible it you my end up paying for the repairs anyway. There are body shops that pay/waive part or all of your deductible too.
Marie s is wrong. It is a collision and would be covered under the collision part of your insurance should you choose to use it. The valet and his employer should have coverage for this damage too
You missed the old walk around. And now you think accident damage was caused by a Valet driving around 20 miles an hour tops. I doubt that those guys are professionals. Now lets talk your insurance company will fix your car after you pay the detectable. Remember suspension damage is sometimes repaired by using used parts. So it might be cheaper to have your mechanic install parts from the auto recyclers (they don’t like the term JUNK YARD) parts delivered to there shop and have the car realigned.
Comprehensive coverage is for acts of nature (wind, tree damage, etc) and also theft or vandalism. This would be considered a collision as your vehicle hit a stationary object, no matter what it was.
You need to call your carrier, submit a claim and give them the Valet companies information. They can repair your car and then go after the liable party for subrogation (collection).
Your right, it is tough to prove and the valet company will probably decline the claim unfortunately.
It is a collision claim. A single car accident with a collision payout will likely cause your insurance premium to go up. Before contacting your insurance company get an estimate for repairs yourself. You don’t want to pay more for your insurance over the next three years than what you will receive to repair the car. A police report indicating someone else was driving causing the collision payout may help remove or prevent an accident surcharge to your insurance premium..