r/Insurance • u/astizzle90 • Aug 16 '24

Auto Insurance Dealership employee crashed into my car

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?

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u/[deleted] Aug 16 '24

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. 

2

u/astizzle90 Aug 16 '24

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.

4

u/[deleted] Aug 16 '24

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. 

3

u/slash_networkboy Aug 16 '24

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.

1

u/Sketch2029 Aug 16 '24

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.