Quote:
Originally Posted by mosesbotbol
You're crazy for no police report. Go after him and make his insurance pay. Tell him someone came by and identified his car. Call his bluff and get some dough out of him. |
Moses, being on the claims side of insurance, I can tell you we would strongly defend this case if he were to present it to us, and we were that neighbor's carrier.
If an insured denies the event and if furthermore, there is absolutely no related damage to substantiate the claim (which is clearly evident here), we would honor the insured's version and let a judge decide for us or for you. Our duty in this matter would be to defend the insured as otherwise, with no physical evidence he did it, his rates would unjustifiably go up as result of us paying this claim.
If the damage was significant enough, which is not the case here, we would also hire a reconstruction expert that would testify to that affect, if he agreed that it is unrelated of course.
This neighbor's car did not cause that damage. That is not to say it didn't emanate from that driveway. Just not that car.