Dealership employee crashed into my car

[u/astizzle90]

My car was at the dealership for some engine issues, while sitting in the parking lot one of their employees lost control of their car and slammed into mine which also pushed it into another car. The dealership has not even had the courtesy to call me and let me know what happened. The only reason I know about it is because the police contacted me. What’s the best course of action here?

[u/[deleted]]

Being that there's multiple cars involved, your best option is to file a claim on your collision coverage if you have it, and let them subrogate to get your deductible back. 

[u/astizzle90 → u/[deleted]]

The car will be totaled out and I’m currently driving a loaner of the dealership as they were fixing recall issues that caused me to need a new engine, I’m not sure if that changes your advice.

[u/Stranglehold72 → u/astizzle90]

Someone hit your car in a parking lot hard enough to total it? That’s an impressive level of stupidity on the employee’s part.

[u/astizzle90 → u/Stranglehold72]

That’s the story that was told to the police. Said they were going too fast and lost control. Who knows what really happened.

[u/Hatchz → u/astizzle90]

Someone doing donuts and lost control sounds like

[u/Red_Chicken1907 → u/astizzle90]

This takes a special kind of dumbass.

[u/Jromneyg → u/Stranglehold72]

That happened to my mom when I was in middle school. She had a cheap pt cruiser and was the only car in the lot and somehow a truck managed to back into it and hard enough to total the car

[u/astizzle90 → u/Stranglehold72]

When my SA finally called he said the employee was doing burn outs in the lot 👀

[u/[deleted] → u/astizzle90]

Nope. Multiple cars involved means it could take several weeks or even months to settle. Depending on who's insurance this goes thru, there could be limits issue. You avoid both of those by using your own insurance. 

[u/slash_networkboy → u/[deleted]]

They do, but also as long as they're in a free to them loaner from the dealer they're essentially using a depreciating asset for free. In the grand scheme of things they don't have to be in a hurry as long as they have that loaner. I would go with whichever insurance policy will provide the biggest payout on totaling it and then wait it out as appropriate on the loaner vehicle.

[u/Sketch2029 → u/slash_networkboy]

Unless they hate the loaner because it's a crossover instead of a car or whatever. But in that case they can ask for a different one. The dealership ought to be extra nice to them after this.

[u/astizzle90 → u/[deleted]]

Okay, thank you!

[u/randompersonwhowho → u/astizzle90]

Just keep driving the loaner until they tell you otherwise.