If your car was damaged in a parking lot incident, and the other driver has agreed to go through their insurance, there are a few steps you should follow to handle the situation efficiently:
Collect Information: Obtain the other driver’s contact details, insurance information (including the policy number), and vehicle registration information. It’s also helpful to note the make, model, and license plate of their vehicle.
Document the Damage: Take clear photographs of the damage to your car, the location of the incident, and any distinguishing features of the scene that may be relevant (such as signage or surveillance cameras).
Witnesses: If there were witnesses to the incident, gather their contact information as their statements might be needed for insurance purposes.
Contact Your Own Insurance: Inform your insurance company about the incident, even if the other driver’s insurance will be covering the damages. This ensures they have records of the incident and can assist if needed.
Communicate with the Other Driver’s Insurance: The other driver should report the accident to their insurer; however, you may be required to provide your account of the incident. Be clear and factual when describing the incident.
Repair Estimates: Obtain repair estimates from reputable auto body shops to provide to the insurance company if requested. Some insurers may have preferred repair shops or may require multiple estimates.
Follow Up: Keep a record of all communications with both insurance companies and follow up if you don’t receive timely updates or if you have any concerns over the settlement process.
Consider Legal Advice: If complications arise, or if you are unsatisfied with how the situation is being handled, you might want to consult with a legal expert who specializes in auto insurance claims to understand all your options.
By following these steps, you can manage the situation effectively and ensure that the damage to your car is addressed appropriately through the other driver’s insurance.
