We're backing out of a parking space at Planet Sub on Main St. today. We're almost out of the spot, shifted into drive to move forward, and we noticed an enormous Lexus SUV backing out of the handicapped spot behind us. We lay on the horn for what seemed like an eternity to no avail - the SUV smacked right into the side of our beloved Prius, causing an ugly dent right above the wheel well. We'd managed to drive it for over a year and half without so much as a door ding. I am not pleased.
We pull back into our space, and I get out of the car. I head over to the SUV who has pulled back into the handicapped spot to find two teenage boys getting out of the car. They're obviously not handicapped, and have no handicapped plate or placard. Nice. "I'm going to need your insurance information," I say, and head back to my car to assess the damage and start taking pictures.
About 2-3 minutes pass, and one of the boys says that his mom is on the way. He apparently doesn't have any insurance information. I nod at him and say, "alright."
Mr. Awesome is by this time on the phone with our insurance agent, who tells us that because the accident happened on private property, we'd need to walk it in to the police station.
About another 5-7 minutes pass, and the mom shows up in an Audi and parks in another handicapped space. Again, no handicapped plate or placard. I see where her son gets it. She gets out of her car and I ask her for their insurance information. Rather than give it to me, she says that the police are on their way. She goes on to say that this is private property and her niece was in an accident on private property and the insurance agencies would probably say it was no one's fault. I make a mental "whatever" note -this was definitely her son's fault.
The police arrive and tell us that they came because someone (the mother) called in a report of a disturbance in regards to an accident. The woman told the police we were arguing with her kid in order to get the police to come on site. I'm baffled.
A police officer asks for our side of the story and we tell him. Then he asks for the kid's version, and the kid says that we were backing out at the same time and hit each other. The passenger in the kid's car says, "We heard the horn for about a second. Like this: BEEEEEEEEEEEEEEEEEEEEP." He beeps for longer than a second. The kid fails to mention that our car was stopped, and he hit us. Lovely. It's pretty obvious that he's lying, based on the damage. The side of our car is banged up, the back corner bumper of theirs is dented. Ergo, their back bumper hit our side. End of story.
The police officer gives us a police report that has insurance info on it and we head back to work. Our car has an ugly dent and scrape and because the accident occurred on private property, the police can't find anyone at fault - the insurance companies will have to hash that one out.
I get back to my office and call their insurance company to file a claim. The insurance company has no record of the policy number from the police report - they say their policy numbers have more letters and numbers than what I gave them. They have no record of the address from the report. They don't have a policy for the name of the kid listed in the report. Lovely again.
I call the police department to ask if we can get the name of the mother from the scene, since she's probably the one listed on the policy and the insurance company could use that to find the policy. The woman I spoke with said that they don't have to record the name of policy holders, and if the mother gave the officer wrong information, there's nothing they could do. Her exact words were, "People lie all the time. Everyone lies. If we chase down and lock up everyone who lied in this country, we wouldn't have enough room in the prisons." Bottom line is that there's nothing they can do. All together now: lovely.
I call the phone number for the kid listed in the police report, and luckily reach the mother, who still doesn't tell me her name. She says the officer must not have written everything down correctly. She says she's in the process of moving, and she's not in her car, so she doesn't have the insurance policy information with her. In the background, I hear a man ask, "Well, what does she want?" apparently in reference to me. The mother says she'll call me back in about 20 minutes with the information.
In the mean time, I manage to find out the name of the mother. I call their insurance company back and file a claim. The mother apparently hadn't reported anything yet. I give the company my information and they say they'll have a claims associate call me within a day or so to get more information.
I call my insurance company, and give them the information they need in order to file my own claim. They tell me not to have them submit it unless it looks like the other company won't work with us. I won't know until I speak to a claims associate.
The mother still hasn't called me back, three hours later.
This sucks. We were not at fault, and the lying handicapped-space parking family will probably get off without any penalty, while our rates will go up and we'll be out our Prius for several days while it gets repaired. And the week is just getting started.