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Q

A 14 year old on a bicycle hit my parked car at work. What is the usual insurance procedure for something like this?


A

In a situation such as this one can typically choose to go through their own auto insurance physical damage coverage or try to seek reimbursement for the repair of damages from the at-fault person. Since the at-fault bicyclist was a minor you would need to contact his or her parents. 

If you decide to go through your insurance, than you would make a claim through your collision coverage since a bicycle collided with your parked vehicle.  The insurance company would then investigate the claim and find out how much the damages are going to cost to repair. Next normally the insurance provider settles with you for that amount, minus the deductible.

You might request the minor and/or his parents to pay the deductible amount. State laws vary so you should see what legally the minor and the parents are responsible for before making this request.

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