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  1. #1
    Join Date
    Jan 2010
    Posts
    1

    Default Mall Parking Lot Fraud Claim Advise

    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?

  2. #2
    Join Date
    Sep 2005
    Location
    Behind a Desk
    Posts
    98,846

    Default Re: Mall Parking Lot Fraud Claim Advise

    If you have coverage for the claim you can turn it over to your insurance company and let them worry about it - but you could still end up on the hook for your deductible if they find that you were at fault. Yuo can also wait to see if the person sues you and, if so, fight it out in court.

    You can check with the mall to see if they have video surveillance of the lot, but it sounds like you've waited too long to expect that they would still have a copy of the video from that day.

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