darsben wrote:
FIRST GET A POLICE REPORT TO DOCUMENT THE DAMAGE or get dealership to sign a statement of liability.
Next call your insurance company. Do as they advise you. This way should the job get misdone you will have recourse.
Yes you like the people at the ford dealership. BUT THIS IS BUSINESS.
Most PD will not even take a report on Private Property anymore.
This is a civil matter.
Your insurance company will count this as an incident if you report it to them as they will spend time on it. NOT your fault but an incident. Incidents are all added in when you renew just like most states allow your credit rating to be used.
When I took claims for a major company I had this discussion with several agents, in various parts of the USA, that would plainly say the company would lie and say they do not track these incidents.
They had seen their customer's rates rise too many time after being reclassified as in a different "risk" list for no apparent reason.
Up their rates went.