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Auto Insurance Claims/Parking lot attendant hit another car while parking my car

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Expert: Bennie719 - 1/29/2008


Question
Should I file a claim with my insurance company? Will my insurance company then go after the parking garage insurance company? Can my insurance company raise my rates because of this claim?

Answer
Hi Anne,
Since the parking attendant was driving your car, the insurance carried by the parking service should pay for the damage to your car as well as the car the attendant hit.
You need to discuss this thoroughly with the manager of the parking garage and have him place a claim through his insurance.
If the owner/manager is totally uncooperative, you will need to file a claim with your own insurance company.  They may have to repair your car and subrogate against the parking garage.
This should have no effect on your rate.
Bennie
San Francisco Bay Area

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Bennie719

Expertise

I have extensive knowledge in Personal Auto, Homeowners Insurance and Personal Umbrella coverage. I am also thoroughly familiar with claims handeling procedures. Will answer questions related to the above.

Experience

Experience in the area: Served as an expert at askme.com from 7/2000 thru 10/2002 in the catagories of general insurance, auto and home insurance. Answered 422 questions before that site closed. Licensed in California since 1961, first in Life and Health for 2 + years and as a Property/Casualty Agent/Broker since 1964. I sold my business and took early retirement in 1998. Still maintain a valid California Property/Casualty Agent/Broker license. I have been a volunteer at allexperts.com since 2002. I can provide assistance in the following fields: Property and Casualty Insurance, Insurance Law, Auto Insurance Claims.

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