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Someone hit my car in my parking lot and left a dent but no note... What do I do?


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#1 the_grimace

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Posted 13 December 2010 - 04:19 PM

Well, unfortunately some time between Friday night to Saturday morning, someone ended up hitting my car in my apartment parking lot. They left a sizable dent in the back end, and I am not happy, especially considering they didn't leave a note...

At this point, I'm very confused on what to do. Many have said to make a police report and make a claim with my insurance, but honestly I question if the size of the dent makes going through all the trouble worthwhile. Just making the claim itself would not be worthwhile since because it would come out of my insurance, I would need to pay a $500 deductible and I would probably end up paying the repair all out of pocket anyway.... The police report may help, in finding who hit it, and I can ask my landlord if there are security cameras in the parking lot, but I do not think there are any...

I guess I'll ask you guys, if someone left this dent in your car.... (see pics below) what would you do? Leave it.... or go through the trouble of filing police reports and what not?

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#2 nasum

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Posted 13 December 2010 - 04:31 PM

apparently you should find a red car in your parking lot that has a dent, wait for the person to go to their car and kill them. I recommend an axe since it's messy and satisfying. Listen to some Phil Collins while you're doing it for extra credit.
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#3 Dead of Knight

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Posted 13 December 2010 - 04:32 PM

I have no idea how much this would cost to repair. I think that would factor a lot into the decision to file a report and such.
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#4 Ced

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Posted 13 December 2010 - 04:35 PM

I feel for you. A long while back, somebody smashed into my car and rendered the driver's side door inoperable. Left without leaving a note or anything despite being in front of a video store with only a dozen cars in the lot. I'm usually calm about things but my friends could tell I was livid; not so much about the damage but at somebody not owning up to their mistake.

File a report anyway in the event they actually find the bastard; it's stress relief if anything else. If you're fine with the dent, I wouldn't do much about it since it's cosmetic and not affecting anything critical to driving. However, if you ever see a driver of a red car with some tan scratch marks near the right front bumper, kick their ass and make sure to not leave a note. Street justice.
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#5 mtxbass1

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Posted 13 December 2010 - 04:38 PM

Honestly, it looks like that dent could be pulled out. I'd need clearer pictures, but I would recommend looking around/calling people in your area that pull dents. I got one pulled a few days ago for about $75 and you can't even tell there ever was an issue.

Is there any cracking of the paint, or is it just a straight up dent? It's pretty hard to tell from that pic. It looks like there might be some red paint on there as well? Maybe keep an eye out for cars in your area that are red that have a dent in them?

Other than that, you're pretty much SOL. If you file with your insurance, you're going to have to pay a comprehensive deductible. It might be cheaper to fix it out of your pocket.



#6 SonicJ

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Posted 13 December 2010 - 04:41 PM

At least the damage looks reversible, like it was mentioned before, look around to see if anyone can pull out the dent. I used to do that back in my auto body class days, it's not difficult in the slightest.
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#7 shrike4242

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Posted 13 December 2010 - 04:52 PM

File the report with the police regardless. If by some miracle you find the other driver, it'll be useful if your insurance company has to go after the other party if they have no insurance. Might be why they left the scene without leaving a note.

You may want to be on the lookout in your apartment complex for a car that has a similar dent and if you do, take down their license plate and have that available if you need to find the other party.

I'd still contact your insurance company and have them do an estimate on the work, since it won't cost you anything to just find out how much it'll be to get it repaired properly. The estimate would also give you an idea if having that repair fixed would cause you to get surcharged or not if you file it with them. Having the cost of the repair gives you something to base it on if you go fix it yourself.

If the car is drivable, and from the photos it should be, you may not get it fixed because it doesn't look like it's broken the paint or exposed metal.

#8 kodave

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Posted 13 December 2010 - 06:14 PM

Like a poster said above, it looks like that dent could be pulled out and there should be a number of specialty places in your area that'll do it pretty cheap. If you can pay for it out of pocket it might be worth it. Reporting it to your insurance is just helping them raise your rates one day even though you weren't at fault.


#9 the_grimace

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Posted 13 December 2010 - 06:15 PM

Update: Well, it looks like I'm sort of stuck with it anyway. I looked over my insurance policy and see I opted out of getting collision coverage (basically it just covers hit and runs, or any damage I cause myself like hitting a tree/guardrail etc) I opted out because with a $500 deductible it was another $280 per 6 months... which is like 75% of my current policy. $250 deductible was well over $500 extra per 6 months...

It made me a little scared considering if someone totaled my car (hit and run) I would be fucked, but that is just too much to pay, and even in this case, I would probably end up paying the whole repair based on my deductible anyway, so what good is it?

Really what needs to be done if I want to do anything is find out who did it.... Even if they were uninsured, my policy covers that with no deductible as long as someone admits to it....

Like most have seemed to say though, it probably won't happen, but I think I will file the police report for the hell of it. It looks like I might be stuck with the dent though. I'll look into getting it pulled out too, so thanks for that suggestion. I have to look closer to see if the metal or paint cracked, but I do not think it did when I first inspected it, so I might just leave it be.... though I HATE THE EYESORE! GAH

Edited by the_grimace, 13 December 2010 - 06:53 PM.


#10 shieryda

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Posted 13 December 2010 - 06:26 PM

Fucking Illinois drivers.:bomb::D Someone hit my wife's car at Old Orchard, so I went home and tried my best to get the scrapes out of the paint as best I could.

Judging from the height of the dent on your car, it looks like someone with a red truck or SUV might have hit you. Watch for a vehicle of that type in your parking lot this week. But make sure you have back-up if you decide to confront anyone with a suspect vehicle.

#11 bcoakiot

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Posted 13 December 2010 - 06:51 PM

Wait, Illinois? Apartment parking lot? What city? I just heard through a couple of coworkers about someone I know who hit-and-ran. In Illinois. In an apartment parking lot. Over the weekend. This would be some strange coincidence if it was the same one.

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#12 H4Y4TO

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Posted 13 December 2010 - 06:59 PM

You should contact your insurance agency and put in a claim and at the same time make sure to file a police report...
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#13 cRodz

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Posted 13 December 2010 - 07:01 PM

Wait, Illinois? Apartment parking lot? What city? I just heard through a couple of coworkers about someone I know who hit-and-ran. In Illinois. In an apartment parking lot. Over the weekend. This would be some strange coincidence if it was the same one.

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#14 RAMSTORIA

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Posted 13 December 2010 - 07:06 PM

any chance your parking lot has cameras?

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#15 the_grimace

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Posted 13 December 2010 - 07:20 PM

I live in Champaign. Honestly I don't think anyone has a red car that lives in my apartment, but the paint looks like it sort of might have been white, (though the pictures definitely make it seem like it was red... but I do see some white but that may be my car underneath the tan...) and there are quite a bunch of white cars. There are also construction workers that are in and out of the lot daily since they are working on the building, so it could have been one of them. There is also a group of troublesome college kids living in a unit as well, and they always have tons of guests over, so it's possible that a guest might have caused the damage as well. I'll have to look more when I get home from work. Point is, it's possible the damage was caused by someone that doesn't even live in the apartment... :(

As for cameras, I know we have them in the building, but I do not think there are any in the parking lot. I'm going to call my landlady to find out. Ughhh

Edited by the_grimace, 13 December 2010 - 07:31 PM.


#16 SonicJ

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Posted 13 December 2010 - 08:03 PM

I hope everything goes well for you from this point on ":/
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#17 Access_Denied

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Posted 13 December 2010 - 08:08 PM

I live in Champaign. Honestly I don't think anyone has a red car that lives in my apartment, but the paint looks like it sort of might have been white, (though the pictures definitely make it seem like it was red... but I do see some white but that may be my car underneath the tan...) and there are quite a bunch of white cars. There are also construction workers that are in and out of the lot daily since they are working on the building, so it could have been one of them. There is also a group of troublesome college kids living in a unit as well, and they always have tons of guests over, so it's possible that a guest might have caused the damage as well. I'll have to look more when I get home from work. Point is, it's possible the damage was caused by someone that doesn't even live in the apartment... :(

As for cameras, I know we have them in the building, but I do not think there are any in the parking lot. I'm going to call my landlady to find out. Ughhh


A fellow CAG from Chambana. :) Well, given the fact that you live here, I'd say it's pretty good change that it was some random half-drunk student who bumped into your car. Unless you have security cameras there, I doubt you're going to catch him. I would just be glad that it looks like the dent can most likely be pulled out. It sucks that it happened, but not much you can do. :bomb:

#18 eldergamer

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Posted 13 December 2010 - 08:11 PM

When this happend to me about 6 months ago we filled a police report over the phone. Drove out to an Allstate office a few days later and they cut us a check for the damage. Said we could fix the car with the money or do whatever we wanted.

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#19 the_grimace

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Posted 13 December 2010 - 08:21 PM

A fellow CAG from Chambana. :) Well, given the fact that you live here, I'd say it's pretty good change that it was some random half-drunk student who bumped into your car. Unless you have security cameras there, I doubt you're going to catch him. I would just be glad that it looks like the dent can most likely be pulled out. It sucks that it happened, but not much you can do. :bomb:


I'm just moved here, but I'm surprised there's actually some CAGs in the town. At least they seem to be finding me on my blogs or anytime I mention I moved to Illinois. I guess it is a pretty populated town, but it seems small to me. haha.

I agree with you that it was probably a college kid. No way to really tell, plus it doesn't help that there is snow on the ground. The sad part is though that this occurred on Friday or Saturday, and it was WARM here those 2 days. In the 40s and much of the snow was melting, so no excuses..

I've felt the town is pretty safe, but from people I met that attend UIUC, (I didn't attend, i moved here for work) say that the areas around campus are terrible with crime and trouble. They have a ton of police officers and my friends tell me that there's several police reports made a day. I hear there's far too many drunks/drinking as well.. Guess there's not much you can do about that though... it is college.... ughh

When this happend to me about 6 months ago we filled a police report over the phone. Drove out to an Allstate office a few days later and they cut us a check for the damage. Said we could fix the car with the money or do whatever we wanted.


That's pretty generous... My insurance only covers hit and runs under the very expensive "Collision Coverage" which I opted out of because it was so expensive, and it comes with a hefty deductible, unless you want to pay even more ridiculous amounts to have the coverage without the deductible... I even called my insurance, to ask their opinions on what I could do, and they said if I thought I could find out who did it, then to file a police report because even if the person was uninsured, my insurance policy could cover it with no deductible... If no one admits up to it though, it falls under collision... which I don't have on my policy.

I'm going to find out if there's cameras.... if there are, I might have a reason to file the police report and find out who did it. Otherwise, there's not much of a point.

#20 eldergamer

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Posted 13 December 2010 - 08:37 PM

I believe Allstate waived the deductable because we hadnt had an accident or filed a claim in 5 years.

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#21 NeoFrank1

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Posted 13 December 2010 - 09:10 PM

Allstate is awesome.
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#22 Guest_strongpimphand_*

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Posted 13 December 2010 - 09:30 PM

I live in Champaign.


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Carbondale > Champaign

#23 the_grimace

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Posted 13 December 2010 - 09:52 PM

There's ya problem

Carbondale > Champaign


honestly, I really don't like the town too much. It's alright, but there's not much of a scene here I can enjoy (big scene is bar, cafes, and coffee shops) and there's not many geeky things to do around here. I'm only here because I'm pretty much willing to do anything to get my career off the ground. Once I have a few years experience, I definitely plan to move. I also just hate the cold too much to stay here as well.

My company is great, but the town is very "meh" to me and I am really hating the cold right about now. (I moved from Arizona... cold there is like 50 degrees. haha)

#24 bsesb2003

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Posted 13 December 2010 - 09:56 PM

It looks like the marks could be rubbed out with polish, so maybe try a paintless dent removal place.
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#25 bcoakiot

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Posted 13 December 2010 - 11:19 PM

Dang. Was really hoping it was the Bloomington/Normal area. It would have made my day if it would have been the same guy. I don't really like him.

BloNo is another college town, which up until this year, has been ridiculously crime free. This year, though, there have been a ton of muggings and break-ins. I don't know why this happened all of the sudden.

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#26 sykotek

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Posted 13 December 2010 - 11:48 PM

Look for a red car nearby with scratches at the same height as your dent, only if you are confident it is them, report to police a hit and run with their license plate then contact your insurance. The people that hit you park nearby if you're in an apartment complex, especially if you know you received that while you were at home. What can they say to dispute your assertion at that point?

#27 the_grimace

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Posted 14 December 2010 - 12:31 AM

the tides are getting interesting!

Like I said earlier, I do not remember there being any red cars in my lot, but lo and behold, I got back from work today, and there was a red SUV! I remember who the driver is too, and she's the bitchiest college blonde I've ever seen. (she lives in the troublesome unit with 3 other college guys) It was too dark out to really check out her car, plus her car was dirty as hell, but come morning if its there I will inspect closer. Regardless, this gives me validity to push a police report, and get this covered by insurance. I tried finding out if they have security cameras in my lot, but was unable to get through to my landlord.

I would really love to see this girl pay though if it turns out it was her, she is such an absolute bitch. One night she locked herself out along with some of her drunken friends, (my apartment complex has outside locks to get into the building) and I was taking the trash out so I opened the door for her... WELL I couldn't even get halfway out the door before she literally PUSHED me back inside, and barged in. She literally pushed me up against the wall, and she didn't even say thanks or anything! The only guy that said thanks was a dude in a t-shirt that looked drunk as hell, and was holding his side and I seriously thought he got shanked, because it sure as hell looked like that and he walked with a limp.... Christ. I will be so happy if it was her and I could prove it. :D

#28 PapaJoeBear

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Posted 14 December 2010 - 12:58 AM

I am an insurance agent in WA state. Insurance differs from state to state, so my adivce may not apply. I definately recommend looking into Uninsured/underinsured motorist coverage. This coverage protects you and your car in the event that someone hits you and they do not have coverage (or enough coverage) to cover your injuries/repair. This coverage also protects from hit and run, like the situation here. In WA, uninsured motorist property damage has a $300 deductible to hit and run, and a $100 deductible if you get the persons info. The cost is usually a lot less than collision coverage.

In WA if someone hits your car and takes off, and you dont have uninsured motorist coverage, yuo can still get the damage covered if you carry collision coverage. You have to pay your full $500 deductible and it may have an effect on your rate at your next renewal. I always recommend getting a police report done. When you get a copy, hold onto it in a safe place for 5 years. That way, if you change insurance companies down the road and they see that there was a collision claim in your past (which usually means an at fault accident) you can prove that it was a hit and run.

Give us an update once you check out that girl's car.

#29 the_grimace

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Posted 14 December 2010 - 01:16 AM

I am an insurance agent in WA state. Insurance differs from state to state, so my adivce may not apply. I definately recommend looking into Uninsured/underinsured motorist coverage. This coverage protects you and your car in the event that someone hits you and they do not have coverage (or enough coverage) to cover your injuries/repair. This coverage also protects from hit and run, like the situation here. In WA, uninsured motorist property damage has a $300 deductible to hit and run, and a $100 deductible if you get the persons info. The cost is usually a lot less than collision coverage.

In WA if someone hits your car and takes off, and you dont have uninsured motorist coverage, yuo can still get the damage covered if you carry collision coverage. You have to pay your full $500 deductible and it may have an effect on your rate at your next renewal. I always recommend getting a police report done. When you get a copy, hold onto it in a safe place for 5 years. That way, if you change insurance companies down the road and they see that there was a collision claim in your past (which usually means an at fault accident) you can prove that it was a hit and run.

Give us an update once you check out that girl's car.


I have underinsured and uninsured coverage, which is why I really just wish I could find out who did it. Unfortunately, my policy for my state does not count hit and runs in either category. Hit and runs are only in Collision Coverage.

I do not have collision though, (because it's ridiculously expensive) and like you said that pretty much covers hit and runs almost exclusively, as well as other stuff like running into stuff yourself, like hitting a tree, or a guardrail.

UPDATE:

I filed the police report and the officer came quickly. Unfortunately, there are NO cameras in my apartment lot. The police officer also attempted to inspect the red car, but like I said, it was too dark and her car was covered in snow and was a mess. He also said he really just can't start interrogating people without a very valid reason, like security footage. Yes we both know its very plausible that that red car was the one to hit mine, but essentially he could not do much without security footage.

So that's about it. I'm stuck with it, unless by some miracle the police report could end up proving she did it. FML I guess...

I would have so loved to see that bitch get what was coming to her too.... oh well. Maybe another time... :lol:

#30 Jabrim

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Posted 14 December 2010 - 01:19 AM

I have underinsured and uninsured coverage, which is why I really just wish I could find out who did it. Unfortunately, my policy for my state does not count hit and runs in either category. Hit and runs are only in Collision Coverage.

I do not have collision though, (because it's ridiculously expensive) and like you said that pretty much covers hit and runs almost exclusively, as well as other stuff like running into stuff yourself, like hitting a tree, or a guardrail.

UPDATE:

I filed the police report and the officer came quickly. Unfortunately, there are NO cameras in my apartment lot. The police officer also attempted to inspect the red car, but like I said, it was too dark and her car was covered in snow and was a mess. He also said he really just can't start interrogating people without a very valid reason, like security footage. Yes we both know its very plausible that that red car was the one to hit mine, but essentially he could not do much without security footage.

So that's about it. I'm stuck with it, unless by some miracle the police report could end up proving she did it. FML I guess...

I would have so loved to see that bitch get what was coming to her too.... oh well. Maybe another time... :lol:


Sucks to hear that a fellow CAG going through it. What you should do is take her out, get her nice and drunk and give her a pearl necklace. Then every time you see her you can smile and just think...I gave her a pearl necklace. Because once you see her, every single time you will laugh, I know I have. :lol:
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