Car hit by another car whilst parked in Supermarket car park. Other owner denying involvement
Hello, yesterday my
girlfriend parked our car (dark blue colour) in a LIDL car park around 3pm and
went inside the supermarket. When she came back around 3.30pm she noticed there
was damage (paint had been scraped off) to the front passenger side
bumper and on the wing. She looked at the cars on either side of our and
noticed there was a different car (to the one that was there when she parked)
and there was corresponding damage (in height, area and appearance) to their
front passenger side bumper. Also she could clearly see dark blue paint of
our car had transferred to the bumper of the other. The other is an old
Vauxhall Corsa in light turquoise colour.
My girlfriend took photos of both cars and spoke to the Manager of LIDL. He came outside to inspect and also agreed that it was obvious that the other car had collided with our car. There were couple of cameras in the car park but none covering the area our car was parked in.
I took an Uber and went to the site and we waited in the car for the other driver to arrive. Around 5.30pm the driver arrived and we asked him whether he'd hit our car but he flat out denied. We told him there was corresponding damage to his car and there's dark blue paint on his bumper but he said he didn't know how that happened. He refused to give us he details. So we just left and after speaking to the Police on 101, my girlfriend filed a report (there was no where to upload pictures by the way).
It was hugely frustrating. We are pretty sure the other driver damaged our car (Supermarket manager agreed as well) but since he's denying any involvement and there's no one who witnessed the incident and if there's no camera capturing the incident, I don't see Police being able to do anything. It's unlikely the driver will fess up.
Today, I contacted a local garage, sent the pictures of the damage and they quoted about £500 to fix. It'll be far more economical than going through our insurance as I will have to pay £250 of excess, lose 13 years of no claim discount and the premium will go up.
Do you think anything will come out of the Police investigation? Will they even investigate since it's not a huge accident and no injuries occurred?
Do we have to report the incident to Insurance? Since we have filed a police report (police said they won't inform Insurance), can the Insurance company see the car has been involved in an accident (though it's not our fault)? If I don't have to, I prefer not to have an incident against our insurance as it will undoubtedly affect our premium even if we don't make a claim.
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