Dec 082011
A little over one week ago I was getting into my car and discovered a huge dent, that is preventing my door from shutting all of the way, in my drivers side door. Unbelievably, when leaving work today, I discover that someone hit the rear bumper of my RENTAL CAR, left black smudges everywhere and chipped off a large amount of paint. Naturally, I reported both claims to my insurance company and I now owe $ 700 from my deductible. As disrespectful and as irresponsible as it is, no one bothered to leave a note nor did anyone witness the accidents, BOTH TIMES!!!!! Is there a way to prove that my cars were damaged while parked and unoccupied by examining the damage left on each car?
someone hit my car and did not leave a note someone hit my parked car and left
Check with the businesses that own the parking lots where you were hit. They might have surveillance cameras.
Sorry-no way to prove it.
It would not matter… you’d still have to address the loss. If you report the loss as someone else hitting your car or the rental, it should be recorded as a not at-fault accident… but I doubt this is going to make much of a difference as it’s still being paid under your collision coverage and as such, usually affects rates.
My suggestion… don’t park close to the store. Park away from busy parts of the parking lot and walk into the store. You get a small work out as the same time.
P.S. I’ve never heard of a $ 350 or $ 700 collision deductible.
Unfortunately most if not all the states don’t have any kind of a waiver on your collision if you are hit by a hit and run driver. Normally anytime you use your policy you will have to pay your deductible. While you still aren’t at fault, unless your company can collect back monies from the at fault party you won’t get your deductible back. The $ 700 seems a little odd, unless a) you have that allstate coverage where they reduce your collision coverage deductible every so often when you dont make any claims or b) you have a 250 or 500 deductible and the car rental company requires you to pay not only your deductible but also loss of use (LOU) and/or administrative fees on top of that.
No. If there is no other party to accept responsibility for the damages, you are responsible. Sorry this happened to you, that really sucks.