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Originally Posted by Drrichross
We are villages part timers. We live in Michigan but come down ever couple months for a week or 2. We drove a car down in January to have so we can do some florida exploring this year with plans to drive back in May. Yesterday my wife had parked on the street because she was cleaning out the garage. The cleaning lady from across the street decided to not pay attention and backed right into the drivers door. We are in a no fault state where you usually just exchange insurance info in cases of minor accidents, but from a previous experience of having a rental hit by a work truck we learned that in Florida you need to get a police report. So my wife called 911 to get an officer for report while exchange of information, only to be called back an hour later by the officer who told her they don't respond to "gated communities". He wouldn't tell her what to do. Is this true? It was after 6pm so our insurance agent in Michigan said he'd look things up and get back to us. She did get a letter signed by other driver admitting fault. But who do we call for a report to submit?
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It is always a hassle. The right thing to do? Hopefully, it is not like it happens often enough in this state for you to know what page on the rule book covers this issue. All of us surely have a copy of the rule book and carry it with you at all times. OK TO LAUGH NOW. I would take pictures. Your car and theirs as well as the other driver.
Many years ago. I was legally parked in the last spot of a row. My door was opened and I was unloading a lot of stuff. Someone decided to squeeze by. Their right mirror caught my door. When a door opens it extends further out. My door was practically ripped off my car. I took pictures. I noticed a guy, from a cable company was on a ladder, saw the whole thing and was laughing. Insurance company. My insurance covered a rental car. ADVENTURE. Insurance company. Had bill for rental car-did it cheaply as possible-rent a wreck Insurance company we'll see what we can do. I called the witness. The insurance company never contacted him. When settled the insurance company raised my rate by ? like 30%. I was tol they had me at a wrong rate. Not sure if other insurance companies are better. But, that is why that company with the Lizard cannot sell me insurance 30 years later.
POINT. You are innocent not even in the car. One who hit your car seems NOW to be honest. It is highly unlikely the accident report says, I was distracted, didn't look AND IT IS MY FAULT. Repairs to your car. It is your choice of where to get your car repairer. You want it done right. NEW QUALITY PARTS. If, you look around a parking lot. You can easily see cars that were hit and repaired. You cannot collect that LOSS to resale value.