If my car is damaged in a parking lot is this a "collision" or "comp" claim?

Question

My wife parked in a lot and took the train downtown. When returning there was a dent in her door and scratches on her bumper. I called the insurance company and they said this is considered collision because another car collided with mine. I said I don't know what damadged it, possibly it was a car , but maybe a kid kicked the door or something else happened. I said how can this be collision, I believe this should be a comp claim. I have a $500 collision deductible and a $0 comp deductible. What do I do?

Answer 1

Unfortunately you have to go with what the insurance company tells you.  (Otherwise they may not pay at all.)  Something similar happened to me though, and the insurance company treated it as an uninsured motorist claim, which made my deductible lower.  You may want to ask if this would qualify.

Answer 2

Not all the time ,insurance  pay in a case like yours

Answer 3

take the car to a body shop and ask them in their expert opinion whether it was a car or not if the body shop sides with you get it in writing and confront the ins co

Answer 4

Collision, just like they told you.  Pay the first $500, or pay it all if you prefer and don't report it.

Answer 5

If you thought a kid kicked the door, you should have reported it to the police as an act of vandalism or malicious mischief.  That would have been comp.  Too late now.

However, a licensed appraiser should be able to tell if it was damage caused by another vehicle or a "kick".  I suspect that somebody opened their door and damaged yours.

If I was handling the claim, I would unfortunately think that another vehicle struck your vehicle, thus declaring this a Collision loss.

Answer 6

It is a collision claim.

Unless you can prove a kid kicked the door - file a police report saying a kid kicked the door --- it's a collision claim.  

So - you get to suck it up and pay the 500 collision ded.

In some states (not all) a hit and run motor vehicle damaging your car can be handled under uninsured motorist - which usually has a lower deductible. But - you have to have a police report confirming a hit and run.