So if my car is parked and I’m away from my car, someone damages it and drives away what do I do. So say for example someone is dumb enough to park right next to me, despite me parking as far away from people as possible, and they open their door, their door hits my car and scratches some of the pain causing a scratch in my paint job. Or say something substantial were their car hits my car slightly at a slow speed causing several square inches of paint damage. What do I do. If I have video footage of them doing it to my car, irrefutable evidence, what do I do? Do I file an accident report. Can I get my car repaired by going through my insurance for free? What if they open their car door and hits my car causing a small scratch. Is such damage costly to repair? I believe a proper pain repair job is costly. I’m asking because I have a high deductable $1,000. So if someone damages my car while it’s parked I still have to cover all repairs up to $1,000? Seems kind of off especially if I have irrefutable evidence that they did it to me while I was parked!
I’m sick and tired of people damaging my car so I’m thinking of installing a security system that is filming all 4 views non stop with small discrete cameras the size of a pin hole. Once it’s installed what do I do if I have footage of someone causing damage to my car while it’s parked, even if it’s just a small scratch, or a big scratch. Would my insurance cover it or would I still have to pay all of it minus my deductable. I’m asking because I think a small scratch would cost less than $1,000.
Thanks for any help!