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Car damage question

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exhawg

exhawg

Mirror Guy
I'm just full of these today, but here is another problem I'm having. Our parking lot at work has a concrete wall on one side that has some 100 year old brick work around the top. Problem is one of the bricks fell and put a big dent in my hood. Who do I go after for the damages or am I screwed? Do I call my insurance and let them know what happened or should I talk to the guy who owns the building. I could probably talk to my boss and see what he says. I don't have the money to fix it or for the insurance deductible + rate increase so if it's up to me I'll just let it slide. My bumper is already bashed in from someone backing into me and running so it isn't like my car is in mint condition anyway. What advice can you guys offer on this one?
 
First, photograph everything and document exactly when the damage occurred. Then, contact the building owner with the info. He/she may simply pay you to go away rather than give it to his insurer to pay. I deal with claims like this all of the time, and the owner will pay the claimant off most of the time.
 
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I agree w/ Stoo, Take it to a body shop and get an estimate for the hood damage and present it with the other info. His insurance may pay for it, or like Stoo said he may just pay you to go away. Get a couple estimates and show him the highest one. He may just give you the cash, and then you can decide whether you want to pocket it, or get the car fixed. Either way, he is on the hook.
 
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The previous damage should have been a no-fault claim with your own insurance company, it won't raise your rates or your rating. The brick should be covered by the buildings owner's insurance, take pictures of the car and the missing brick and talk to your boss. Should be no problem.
 
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coastalbuck said:
The previous damage should have been a no-fault claim with your own insurance company, it won't raise your rates or your rating. The brick should be covered by the buildings owner's insurance, take pictures of the car and the missing brick and talk to your boss. Should be no problem.
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comprehensive claims count as not at fault claims as mentioned. depending on your deductible you could have your ins co handle damages and subrogate the wall owner or company to attempt to collect damages paid, they would reimburse you your deductible if successful in collecting. your auto insurance co is there to protect you, and they don't enjoy paying for claims that are not your fault. let them do the dirty work for you if you don't have any luck, or takes forever.
 
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