My question involves an injury that occurred in the state of: Pennsylvania.
Friday 4/10 I opened a door on my husbands work vehicle. The wind caught it and it hit the neighbors fender down by the wheel well. I was a good neighbor and notified her. I do not want to open a claim on the work truck insurance as it was my fault. It really had nothing to do with the business the truck is for and I donít want to chance my husbands boss being angry with him. There was 0 damage to the truck but a surprisingly big dent on the car.
The neighbor said she would just let it go but canít because the car is technically in her boyfriends name and insured under him. She immediately took the car for an estimate and called me with the results. The estimate seems high to me and she said there would be an added cost of $150 extra on top of it to reset a computer for pulling lights out! That seemed odd to me also. She later took a picture of the estimate and texted it to me. It included work for painting the whole side of the car, pulling the bumper off etc. Itís excessive to me so I asked for another estimate to be done. I also said I might know someone that can do the work but I was unsure if they were still in business and I would let them know when I found out. They agreed. I also noticed on the estimate it says insurance will pay all and customer pays 0 with 0 deductible. Iím not sure if that normal for an estimate or if they are trying to run it though insurance and collected the cash off of me.
Sunday 4/12 I messaged the neighbor letting her know I still have not heard from the person that might be able to help me but with it being a holiday weekend I understood. And I didnít want her to think I was blowing her off. the boyfriend messaged me Back saying he wanted to get things taken care of ASAP and I had till Tuesday to get this taken care of. I didnít respond because I felt like he was being unreasonable and pushy and I didnít want harsh words to fly. Monday 4/13 I was finally able to contact the body work person I know. I sent him pictures of the damage and the estimate they got done. He agreed it was also way over the top. He also pointed out 2 paint color transfers (white and red) suggesting there was previously damage as the truck door is only red. There is also white scrapes down the door that I didnít notice myself. Just as I was getting ready to message them and say that I would really like a new estimate the boyfriend messaged again pushing for the truck insurance or cash.
I have no problem paying for the damage i did. I donít want to pay for extra things I wasnít responsible for though. What are the laws I should be aware of? How should I proceed from here.
Some tidbits of info that might matter or might not. The neighbor made it clear everything was in her boyfriends name so it would be his decision ultimately. She drives this car as hers, he has his own vehicle. They donít live together, as far as I know thatís totally illegal. She was also parked right on the dividing line of our driveway. If she parked reasonably in her part of the drive this would have never happened.