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Old 01-09-10, 02:35 PM   #1
Taerom
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Should I file a police report?

Either last night or this morning, my landlord hit my truck (which was parked) with his loader while plowing snow in our parking lot. It left a pretty good dent and some scratches. I will talk to my insurance company to see if they will cover it, and get a quote for the repairs. Should I also file a police report, or do you think the insurance companies will not need one?
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Old 01-09-10, 02:41 PM   #2
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I have always filed a report when my car was hit while parked. (Has happened to me several times.) My insurance company always covered it fully with no rate increases. However, IF you can prove it was him, then his insurance company should pay for it.
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Old 01-09-10, 02:42 PM   #3
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if you are going to claim on your own insurance, i wouldn't bother unless the insurance co says they need it. just ask them if they do.
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Old 01-09-10, 02:43 PM   #4
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If you got the landlords insurance info, you should not need a police report. But what do I know? I'm not a cop, in the insurance field, and I own an older Suburban that would take that "dent" as an enhancement to its 'character'.
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Old 01-09-10, 02:46 PM   #5
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I too always file a report, parked or not, makes things easier (and faster) for me, I also let my company take care of it, they can always go after the other guys insurance after my cars fixed, and I always get my deductible back.
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Old 01-09-10, 02:48 PM   #6
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However, IF you can prove it was him, then his insurance company should pay for it.
He left a note on the truck saying to give him a call. I haven't yet, but will tonight. I don't think it should be too difficult to prove it was him.

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I'm not a cop, in the insurance field, and I own an older Suburban that would take that "dent" as an enhancement to its 'character'.
The dent doesn't bother me at all (it seems to be purely cosmetic), but I may be selling or trading in the truck within the next year, so I don't want damage which will decrease its value.

I have no idea how much a dent like this would cost to have repaired.
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Old 01-09-10, 02:53 PM   #7
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He left a note on the truck saying to give him a call. I haven't yet, but will tonight. I don't think it should be too difficult to prove it was him.



The dent doesn't bother me at all (it seems to be purely cosmetic), but I may be selling or trading in the truck within the next year, so I don't want damage which will decrease its value.

I have no idea how much a dent like this would cost to have repaired.

well lets not forget that a hit like that could cause damage to the rear or transmission, so be sure they check them both while having the truck repaired.
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Old 01-09-10, 03:10 PM   #8
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Just talked to my landlord. He said he called the police after it happened, but they wouldn't take a report because it happened on private property. Also, he wouldn't have insurance since it happened when he was driving the loader. So I guess I'll just call my insurance company and see what they want me to do.
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Old 01-09-10, 05:03 PM   #9
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Just talked to my landlord. He said he called the police after it happened, but they wouldn't take a report because it happened on private property. Also, he wouldn't have insurance since it happened when he was driving the loader. So I guess I'll just call my insurance company and see what they want me to do.
I suspect his commercial property insurance will cover it since he was driving the loader while plowing for the benefit of his tenants.
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Old 01-09-10, 06:51 PM   #10
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If he left a note, he likely intends to pay fopr the damages, T. Don't get in a hurry until after you talk to him. Oops, should have read the whole thread. OK, your insurance should be talked to, if he claims no insurance, then they may have to initiate subrogation proceedings.

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He left a note on the truck saying to give him a call. I haven't yet, but will tonight. I don't think it should be too difficult to prove it was him.



The dent doesn't bother me at all (it seems to be purely cosmetic), but I may be selling or trading in the truck within the next year, so I don't want damage which will decrease its value.

I have no idea how much a dent like this would cost to have repaired.
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Old 01-09-10, 07:01 PM   #11
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I am curious to know what state you live in. I am a cop in Illinois and we will do accident reports on private property. Most insurance companies want a police report otherwise they think it could be a fraudulent claim.
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Old 01-09-10, 08:58 PM   #12
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Rowdy, I don't know where the OP is, but Ft Wayne, IN is like that, too; I had a guy SLAM into me while I was parked -- he dropped his in reverse and NAILED it -- and nobody would come out, for that reason. His insurance did respond, though, because I caught the tag. Got a token payout, because the adjuster showed up at my job while I was working and assessed my car. Never knew that until I got the check and complained.
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Old 01-09-10, 09:12 PM   #13
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Just talked to my landlord. He said he called the police after it happened, but they wouldn't take a report because it happened on private property. Also, he wouldn't have insurance since it happened when he was driving the loader. So I guess I'll just call my insurance company and see what they want me to do.
Drive the truck to the police station and ask them for a report. I've never had an issue getting that taken care of so that I can submit the claim to insurance. It's a rental property, right? Does that really count as private property? He should have some sort of liability insurance.
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Old 01-09-10, 09:53 PM   #14
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Ask your insurance agent what you should do.
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Old 01-09-10, 10:49 PM   #15
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Just talked to my landlord. He said he called the police after it happened, but they wouldn't take a report because it happened on private property. Also, he wouldn't have insurance since it happened when he was driving the loader. So I guess I'll just call my insurance company and see what they want me to do.
I had the same lame ass excuse given to me when my parked car was hit in the Pocono Mountains (PA). I had just filled my gas tank, and I was walking back in to the convenience store to get my change, when I saw a customer backing out of the parking spot, directly toward my car. When he didn't slow down or start to turn, I began yelling and waving my arms to try and get him to back off. No luck - he T-boned the passenger side of my car!

The elderly driver pulled back to his parking space and got out. While we were talking, I saw that one of his eyes was glazed over with a cataract. There was no one else in the car with him, and it was a rainy day. He definitely didn't look like he should have been out driving on his own. I call the police, and was given the same excuse about it being on private property.

I was tempted to ask how to contact the private property police, or if that meant I could kill someone on private property and he couldn't write a report, but I figured the only thing it would get me would be a Mag Lite to the cranium (if I was lucky).
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Old 01-09-10, 11:19 PM   #16
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Your insurance company will likely want a police report. That way they can go after your landlord's insurance.
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Old 01-09-10, 11:29 PM   #17
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Hmm I was on private property when my car got hit while it was parked. The cops came and filed a report but didn't ticket the guy. The guy didn't have a license and it wasn't his car. Plus he looked intoxicated of some sort. However I couldn't understand him since he didn't speak english.
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Old 01-10-10, 10:12 AM   #18
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As an insurance agent, this is my take.

File a policy report. They should take one from you as your property has been damaged, same as vandalism. Second, your insurance company will want a trail of responsibility. This will be a General Liability claim on his insurance, not Auto Liability. Your insurance company will fix the repairs and then subrogate against your landlord. You will be out your deductible up front. The subrogation process will recoup your deductible.

Is it possible that your landlord doesn't want you to file a police report so he can keep a low profile?
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Old 01-10-10, 10:24 AM   #19
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Maybe your landlord would just pay for it out of pocket? He's obviously taking responsibility.
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Old 01-10-10, 11:22 AM   #20
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Just talked to my landlord. He said he called the police after it happened, but they wouldn't take a report because it happened on private property. Also, he wouldn't have insurance since it happened when he was driving the loader. So I guess I'll just call my insurance company and see what they want me to do.
A bit of advice, always do your own due dilligence when it comes to finances or situations that can affect your finances. Call the police yourself and explain the situation ... in your own words. Their jurisdiction doesn't end at the bottom of your driveway. Otherwise they'd never be able to go onto someone's property to make arrests.
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Old 01-10-10, 04:15 PM   #21
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I'm not sure exactly why you should have to file with your insurance company. just because your landlord doesn't think he's insured doesn't mean that paying for it isn't his responsibility. I've known several people in positions like that who choose to simply pay for the repair out of pocket (your landlord's pocket in this case), rather than deal with the future insurance increase.
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