My question involves insurance law for the state of: Arizona
I parked in the mall parking lot early evening. Was surrounded by larger vehicles, my car is midsize. Came out after a movie. There is a note on my windshield. The note read along these lines "You are the car that was in front of me and hit my car causing damage, it is the red so and so model. My insurance will be contacting you.
I looked around, the red car was parked on the driver side next to mine, not in front of my car. I walked all around the car saw no damage. I checked the truck in front of them saw nothing. Looked all around my car, no damage. I assumed the note was for the car in front of them as the note stated.
I put the note on the red car next to mine where it had come from and left. A month later we got a letter from State Farm stating we are responsible for damage and to give them our insurance info. We called State Farm, basically were told that was not the correct letter and we should have received a different one and there were photos but had not been submitted yet. Another month passed and we get a call today from the insurance that there are pictures of my car obviously parked over the front line and the red car is bumper to bumper. The damage estimate is $485 and they can give the lady our phone number so she can call us and we can handle it privately. I know for a fact I did not hit that car and it was not in front of me when I parked. I am waiting for the photos now. What to do??? In hindsight I should have had my daughters take pictures of the car next to mine, and kept the note saying I was in front of her ... But I did not even think to do this, why should I when I did nothing?

