A gardener was at my house cleaning my backyard. He needed to get his car out, so in order to do that, he had to move my car. He offered to move it for me, so he took my keys and parked in adjacent to of my neighbor’s house (it is legal to park on the street, but he parked near a fire hydrant).
Sometime later, my neighbor (whom I’ve never met before) backs out her driveway and smashes into the front of my car, destroying the headlight and bumper. I call the police, for a police report, but when they arrive my neighbor tells me not do to the police report because she will pay me cash without going through insurance. I comply and tell the officer to leave without getting a report. She calls her friend, a mechanic, and he comes to get an estimate. He says, it will cost $1200, and she agrees to pay that. I take it to my mechanic and he says it will cost at least $3000, and maybe more because there might be more damages to the car once he disassembles it, which he can’t see right now.
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