Scratched car?
while going to the bank i parked my car in a short stay free car park i packed up fine. On returned to my car as i had forgot something there was a different car parked next to mine on returning from the bank there was a letter on my window screen which wasnt there before saying i had scrached the persons car and they would be in touch with the insurance. I Know i have not scratch anyones car by the way i parked my car i went it to the first space and then went forward into the next. Also if i had scracth someones car i would have left a not with my details on it or drove off not stayed parked thereI have no scratchs on my car either the person has not left any of there details so i cannot contact them. Will my insurance pay them even though there is no proof
2007-07-26 04:45:58 · 10 answers · asked by Anonymous in Business & Finance ➔ Insurance
I wouldn't worry about it. There is no database about who your insurance company is. I'm sure that they believe that they are going to follow up with you. They will end up filing through their company.
If they ever do contact you, they have to proof you cause the damage. It really is easy to prove. When vehicles scrap, they exchange paint. If your paint isn't on their vehicle, you didn't cause the damage.
2007-07-26 17:14:01 · answer #1 · answered by Phil 5 · 0⤊ 1⤋
You're company will dispute that claim. There's no police report, they might have just pulled your car out of the air. They might just want someone else to pay for a scratch they just noticed the other day and they have no idea where they got it. I'm willing to bet they receive nothing. If there wasn't even a police report there's nothing to even support the claim that both your cars were even in that parking lot at the same time.
2007-07-26 16:56:06 · answer #2 · answered by Anonymous · 0⤊ 1⤋
Probably not. Unless there was big-time damage, and even then, it needs to be proven that you were the one who did it. I would fight it tooth and nail - as your insurance will - and unless there's a video showing it, I'm going to think the other person is SOL.
I had a similar situation once - I was trying to get into a parking spot once, and this other car was over the line, and I bumped it with mine - I nicked up the bumper, no dent or anything - did more damage to my car than the other one. I found the woman, exchanged info. She got an estimate and since it was so small, the body shop and the insurance told her it wasn't worth pursuing.
2007-07-26 11:58:52 · answer #3 · answered by zippythejessi 7 · 0⤊ 1⤋
No, they shouldn't.
Take photos of your car, though, date/time stamped, to show no damage right now.
There is no way for the other person to track you down. They can't find out your name from your plate, or your insurance company.
Their insurance company isn't going to handle it, either, as scratches are under the collision deductible.
So I would take photos "just in case", and not worry about this.
2007-07-26 11:58:09 · answer #4 · answered by Anonymous 7 · 2⤊ 1⤋
A few things here:
1. It doesnt matter what type of coverage you have.
2. They CAN can your insurance info, all they have to do is go to the police with your tag# and it can be tracked in many states. (ins. companies are required to electronically submitt the cars they cover to the state in many states.)
3. I agree about taking date stapmed pictures.
4. Call you ins co and let them know that it;s coming.
5. If the other party cant prove it, they wont pay...
Hope this helps.
2007-07-26 15:36:08 · answer #5 · answered by Insurance MAN 2 · 0⤊ 2⤋
First they need to contact you to get your insurance information.
Just in case, write down everything that you can remember and save the note.
If your insurance company is somehow contacted, they will get in touch with you to find out your side of the story. That is where you can tell them you have no clue.
I wouldn't worry about it.
2007-07-26 12:35:38 · answer #6 · answered by Tim 7 · 0⤊ 1⤋
As a claims adj I would take my insured side (yours) unless there is an independent witness to support otherwise. Independent means someone that does not know either party.
2007-07-26 15:01:39 · answer #7 · answered by mamatohaley+1 4 · 0⤊ 1⤋
With no police report, the insurance company will most likely dispute this claim. The other part of that. If they did not personally talk with you, they have no way of knowing which insurance company that you use.
2007-07-26 11:56:31 · answer #8 · answered by JLM 4 · 1⤊ 2⤋
If your insurance company calls you inquiring about this, tell the truth and deny that it ever happened. If there is no police report or evidence to prove that this incident happened, your insurance company will believe you and deny their claim.
2007-07-26 13:55:34 · answer #9 · answered by Johnny 3 · 0⤊ 1⤋
Depends. Do You Have Liability or Full Coverage?
2007-07-26 11:53:05 · answer #10 · answered by ∞Mz.Crazi∞ 3 · 0⤊ 3⤋