My neighbor's painter used the heavy duty ladder, the one that can be extended. However, my wife said it fell on my car and damaged my car and windshield. The guys tried to get my home owner's insurance policy no. which I refused to give one.
Last week, all 4 tires of my car got slashed by vandalism and I reported it to my auto insurance. It never happened to me before. And I have a pretty good record.
Do you think I still need to go though my insurance co. to repair the damange and they can go against the painter company? Or should I get it fixed through the painting company?
I am trying to figure out which route is better one. If I go through insurance co., it will be less headache. But would'n it have an impact on my record although I am not at fault?
Or should I go through the painting co., so my insurance co. does not need to know and potentially no records. Any experience or advice on this issue? I'd really appreciate it
the insurance company will surrogate (collect) from the painter's insurance or the homeowner( as appropriate)
the ladder damage and the slashed tires are 2 separate losses subject to separate deductibles
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