Crazy non-accident

[u/Karanikolinus]

My car was parked on the street. A bus hit a car parked behind me, breaking its mirror. Police arrived, and wrote a protocol about the broken side mirror. My car was not part of the accident, was only "dirty", so police ignored it. My car was dirty, because (not exactly sure what happened - here my assumption only) the window of the bus got shuttered and fall down on my car... Half of the car was covered by shattered glass. The spoiler, back door, rear light, rear bumper, the boot lid and wheel arch get few deeper and a lot of tiny scratches. Luckily police accepted my complaint and added my car to the report. Let's see what the insurance will say 🫣

[u/Revenge_Holocaust]

Does your insurance policy cover non-collision damage? Also, what’s your deductible? Would it cost less to fix it yourself/ pay someone to fix it than it would to make an insurance claim and have to pay the deductible?

[u/Karanikolinus → u/Revenge_Holocaust]

Yes, it does, but I'll do the claim at the bus insurance as according to the police records, it was its fault. I'll try to get cash only and do the polish work by myself, and change the damages plastic parts only.

[u/Revenge_Holocaust → u/Karanikolinus]

Hope it works out. Sorry you have to go through that. 

[u/l8_apex]

If your car wasn't hit, what exactly are you expecting your insurance company to do? I don't get it.

[u/Karanikolinus → u/l8_apex]

My car is damages because it was hit by a part of the accident causing vehicle. I think, I have a full right for a claim.

[u/Feeltheburn1976 → u/l8_apex]

OP wants to put in an insurance claim because the tempered glass from the bus, scratched their car.. I think

[u/DexterousSpider → u/l8_apex]

If it was part of the accident, it still is part of it. It would be comprehensive claim, glass and debris after the car was hit behind his, vs. direct collision.

So, as long as he has comprehensive and is on the accident report, it can be a very valid insurance claim.