1. Gather Evidence:
- If possible, take photos of the vehicle immediately after the incident, showing the actual scuff mark and its extent.
- Document any conversations you had with the vehicle owner, including the time, location, and details of the incident.
- Keep any receipts or documentation related to the incident, such as shopping receipts or store security camera footage (if available).
2. Contact Your Insurance Company:
- Inform your insurance company about the incident and provide them with all the relevant details, including the photos and documentation you have collected. They may assign an adjuster to handle the claim and represent you.
3. Obtain Estimates for Repairs:
- Get quotes for repairing the scuff mark from reputable auto body shops or repair facilities. This will help determine the actual cost of repairs.
4. Negotiate with the Vehicle Owner:
- Try to negotiate with the vehicle owner and their insurance company directly, presenting the evidence you have gathered and the repair estimates. Highlight that the damages do not warrant a payment of over $900 for a scuff mark.
5. Seek Legal Advice:
- If negotiations fail and you are still facing unreasonable demands, consider consulting with a legal professional specializing in personal injury or property damage claims. They can provide guidance on your rights and options.
6. Review Your Insurance Policy:
- Familiarize yourself with your auto insurance policy, particularly the coverage limits for property damage liability. Understand the extent of your coverage and what it includes.
7. Prepare a Response:
- If the auto insurance company persists in demanding payment, you may need to prepare a formal response outlining your position, supported by the evidence you have gathered. You can send this response to the insurance company directly or through your legal representative.
Remember that every case is unique, and the course of action may vary based on your specific circumstances. It's essential to act promptly and gather evidence to support your position. If the situation escalates, seeking legal advice can help protect your rights and interests.
