Parking lot accident??

[ADisneyQueen]

Today I was parked in the bus and car drive up area at DD's school and a car backing out of a parking spot hit me and damaged my car. We have the same insurance agent and she is one of dd's instrument teachers. Makes it kind of ackward in a small town. We did not call the police, they will not come out unless it's a significant accident. Anyway, I was parked but now i wonder if she thinks I was moving at the time? I don't want to have to pay anything or have my rates go up. She called me later and said she did not have any damage to her car but we should both get estimates and take them to the agent. Is there any advise or anything I need to do?

 

[golfgal]

First, ALWAYS get a police report because people change their stories all the time. Next, call your agent and see if they have a preferred shop in town-take your cars there to get the estimates. If the damage is less then your deductible you can choose to file a claim or not. The woman that hit you may be willing to pay out of pocket for the damage so she doesn't have to report the accident. If you file a claim and you are not given any fault your rates can not be raised.

 

[ADisneyQueen]

There were people who saw it happen. Hopefully, she won't change her story.

 

[golfgal]

There were people who saw it happen. Hopefully, she won't change her story.

Did you get their names, take statements, etc. Hopefully she won't change her story but you never know.

 

[ADisneyQueen]

Yes, we exchanged info and she has called the agent. We have the same agent. I will go get an estimate tomorrow and take it to the insurance agency.

 

[ahutton]

There really isn't anything else to do at this point. If she tells the agent something other than what happened then you can worry about witness statements and such, but really, if she knows you, it is unlikely that you'll have any issues. If you don't file a claim under your policy then it shouldn't effect you beyond your time to get it taken care of.