backed into in a parking lot

[herm0016]

My wife got backed into in a parking lot at work. The guy works for the building manager and was taking out trash or something. He has an expired license (2 yrs) and insurance (several months). There is a police report and i had my wife take pictures of both vehicles, his license and insurance cards.

we realized they were both expired after she got home. initially Police were called and declined to report due to it being on private property and such. we called back and they took the report after we figured out his stuff was all expired.

We have full coverage insurance.

I est. 1500 in damage. bumper cover, internal parts, reflector/light. luckily he missed the tail light and rear hatch.

Do we need to contact the building manager and get his insurance info?
the guy was working so does it fall under the buildings insurance?

Are we completely screwed because he does not have a license or insurance? 😡😡😡

i have not had to deal with an accident in a parking lot like this before.

 

[JulesMaximus]

If he was working for the building manager at the time I'd say they are certainly responsible.

I'd let your insurance handle it though.

 

[Ns1]

If he was working for the building manager at the time I'd say they are certainly responsible.

I'd let your insurance handle it though.

this, but your insurance will ask for a deductible first.

$1500 is above the "handle it yourself" threshold IMO.

 

[Sabrewings]

this, but your insurance will ask for a deductible first.

*That will be reimbursed when they get the money out of the other party. I've had to go that way a couple times and it's fine. Didn't even affect my rates (Progressive).

 

[Ns1]

*That will be reimbursed when they get the money out of the other party. I've had to go that way a couple times and it's fine. Didn't even affect my rates (Progressive).

true, but it is a pain in the ass to be out 500-1000 until that happens.

 

[Sabrewings]

true, but it is a pain in the ass to be out 500-1000 until that happens.

I suppose it depends on how the individual handles their finances. I just pull it out of our rainy day savings and put it back when it works out.

 

[gorb]

Depending on who your insurer is, they might waive your deductible if the other party is determined to be at fault. USAA has always done that for me.

 

[MtnMan]

Always carry uninsured motorist coverage... your insurance will fix your car, less a deductible, (which was only $100 even though I had $500 deductible) then go after the deadbeat to recover the $$. Once they recover the $$ they will reimburse you the deductible.

 

[mizzou]

Always carry uninsured motorist coverage... your insurance will fix your car, less a deductible, (which was only $100 even though I had $500 deductible) then go after the deadbeat to recover the $$. Once they recover the $$ they will reimburse you the deductible.

this