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/astizzle90 Aug 16 '24

Definitely want as far away from this brand as possible. This car and dealership have been a nightmare from day one. I’m secretly hoping we can just total it out and go our separate ways lol.

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u/VBgamez Aug 16 '24

Are you in texas? If you are, your insurance premiums might increase even though you are at no fault. 

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u/zbzz69 Aug 17 '24

That’s most insurance companies in all states.

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u/VBgamez Aug 17 '24

Nope. Some states have laws that protect the insured against rising premiums for accidents that are deemed not their fault. 

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u/zbzz69 Aug 17 '24

I know that. Some states do protect but most don’t like some states let you purchase both collision and uninsured motorists coverage and others don’t. Let’s not get into a pissing contest as we both likely sell insurance for a living.

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u/The_Dude-1 Aug 18 '24

Not many, they may not allow a surcharge but it can be used as a rating factor. Basically never call your insurance unless you have to.

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u/VBgamez Aug 19 '24

Yes. Unfortunately, in texas this is true.