My question involves insurance law for the state of: New York
Hello all, I'm hoping maybe you can help me. I've done a little bit of research but I'm not really sure where to look for answers on this problem. Here's the situation:
- My car was parked properly in a mall parking lot, no one was in the car
- A van owned by a local newspaper pulled through and cut the turn too close, hitting the rear end of my car and causing significant damage
- Local police witnessed the incident and wrote a report on site
- Photographs were taken before any of the vehicles were moved, which I am in possession of
- The insurance company says that I have to pay the deductible on my insurance (what?)
- Furthermore, they want to "replace" parts that were undamaged and "repair" sheet metal that's damaged beyond repair
This makes absolutely no sense to me. Why would I have to pay a cent when their driver hit my empty parked car? It seems obvious to me that the insurance company is trying to rip me off, but what recourse do I have? I have all the evidence in the world, but I'm not sure how to go about fighting this is court, or even if it's necessary to do so.
Any advice would be greatly appreciated. Thanks!