I almost lost my shit on an elderly lady today. She backed right up onto my TL ASPEC today. She put a hole in my front bumper, scraped right through the ASPEC kit.. and there is stress marks in the bumper a foot away...

Anyone have experience with insurance and parking lot hits? Will she have to pay for it all? I was parked, not even in my car when it happened....

I called the dealership today, then estimated $2,000 Min.

 

Depending on the state, She (or her insurance company) should take care of it since your car was parked/unoccupied. Check the Acura website for authorized body shops.

 

That sucks, man. Even if I park sooooo far away, there is always a jerk that parks next to you to ding the door. Hate to see original parts go, but hope the insurance takes care of it back to previous state.

 

Sorry for you man! I can certainly empathize. Someone backed into the '05 TL I used to own. I was parked and in a place of business and happened to look out the window at just the moment it happened. Stood there in complete helplessness knowing it was about to happen and completely powerless to stop it. Sucked big time.


It was a guy in a delivery truck and his company paid for my repairs. We didn't report it to insurance although I did call the police and had a police report. I wish you the best in getting the resolution you need.

 

Sorry to hear this-I hope everything works out well.

 

Looks like you're in Ontario, Canada. Typically, any parking lot/private property accidents are not covered by the insurance company unless you have some kind of comprehensive coverage. And even if you do, it is likely that insurance will deny coverage.

In such situation the cost of repairs are split 50-50. That's what I know but I am no expert so call around and find out more about your insurance policy.

 

Sorry to hear about the mishap,it is something i dread to think about.

Because of No Fault Insurance,your ins. co. will fix your car and then go after the other party for reimbursement providing that you have all the details of the other liable party.I also hope that you reported it to a Collision Center within 24 hours so that there can be a police record of the events.

If you have no details of the other party,your insurance will still fix your car but you may end up facing an increase in premiums.Some ins. co. have an accident claim forgiveness where the will look pass one accident without an increase in premiums but if you are involved in another one then you get penalized for both by way of premiums.

This is what i know to the best of my knowledge but you have to talk to your broker/ins. co. and then you will know how this really works.

Please let us know it works out for future reference if we are ever in the same situation.

 

Sorry to hear about this.

One tip: ALWAYS park with a light post, curb, or some other barrier between the front of your car. It's amazing how many idiots can't judge when to stop. When you can't have a barrier, offset your car a foot or two from the forward marks of the parking space- that's like a DMZ that is better than nothing.

 

Because we know nothing about the insurance coverage you have, the advice above may or may not be true.

Assuming you got all her information, her insurer will cover it. That's also assuming she reports it to her insurer. If she doesn't, that's not fatal. You will need to contact your insurer as well. They won't raise rates unless they pay out of pocket, so don't worry about that. They will deal with the woman's insurance company to get it taken care of, even if she fails to report it.

But make a stink about diminution in value. They'll look to do the bare minimum to repair the damage...tell them you intend to sue for the drop in resale for the damage. It'll be a tough fight, but they might sweeten the pot a bit.

 

"Sockpuppet" i am aware you are the resident legal expert so i am not going to dispute what you said but it seems to me you repeated a lot of what i already said.
With regards to increase in premiums,it is not totally about the ins co paying out of there pocket, it is also about how they access your risk factor that can affect your premiums,no?

Not sure how it is in Alberta but in T.O it might be a little different,i am fairly confident that the OP has full coverage (comprehensive) ins.since he just acquired his car and it would be almost pointless to have liability only, the premium difference would be not be significant,also most insurers will offer a no deprecation clause for three years whereby in the event of a total loss claim they will pay the full purchase price of the vehicle.

Please correct me if i am wrong as the info i provided is off my own experience and knowledge.

 

Thanks guys for your comments.

1. Yes i got her insurance information. (took a picture of it)
2. She left a note it says " I hit your car... call me.
3. I called her and it seems like she has no problem paying for the damage, however she wanted to give me 500$ to make it go away...lol didnt take it.

Going to call insurance tomorrow and get 2 quotes. 1 from dealer and one from an authorized dealer through my insurance company...

Keep you posted....

 

Post some photos of your damage - that really sucks

 

Sorry KarKraze...at the time I posted my response, I was unaware that Ontario had moved to a limited no-fault system (it certainly wasn't that way when I left that province). So you are correct, insofar as OP's insurer should cover it in the first instance. You are also correct that risk factor's play into premium, but typically that relates more to moving violations. A person's risk profile doesn't go up if their car is hit while stationary. Generally, of course, a stationary car is almost never "at fault".

I suspect you're right about the availablity of a "no depreciation" clause, however that generally won't assist in cases of more minor damage. You're also correct that most owners of a car like the TL will have "full" insurance. Depending on the jurisdiction, the added premium may or may not be significant. That said, I've known of several drivers that only take the mandatory minimum insurance, and in many cases, will skip comprehensive on the basis that it forces them to be more careful (not the logic I'd use, but to each his own).

No disrespect was intended.

 

None taken bud,i welcome knowledge and prefer to get it from a good source (like you for example).In my time here there are some members opinion that i have come to value and some that i choose to ignore.

You have probably noticed that i don't get in to arguments here, just discussions where i can share my knowledge and learn in the process also .

 

Somebody get this man a beer - that's good etiquette right there

 

So true, I always park far away from everyone else by myself in one space (I never take two spaces IMO that's looking for trouble) and it never fails. There is always some jerk in a beater that has to park right next to me instead of one of the other 50 opens spaces..