McIntyre Matters

I live on Chalkstone Rd. and have a houseacross the street from me that was foreclosed, but appears to be occupied be the daughter of the former owners.In violation of the HOA rules regarding park they continue to park their SUV on the street as an inconvenience to legitimate residents on the block.

As a result I backed into this vehicle and sustained damage to both of our vehicles.

Page #9 of the HOA rules states that the:

 "Vehicles should be fully enclosed in the attatchedgarage of the dwelling when possible. Additional vehicles should be parked in the driveway.Street parking is only allowed for periods of up to 24 hours to accomodate guest parking, when the garage and and driveway are to capacity."

Now this person who has had their utilities reently disconnected has filed an inusrance claim against my insurer well in excess of the slight damage to their vehicle in an obvious effort to get money.

What should I do?

I don't think there is much you can do.  It's a matter for your neighbor and insurance company to deal with.  Your insurance company isn't going to pay for more than what it would cost to repair the damage.  They'll ask for documentation from the neighbor to support the amount of damages they're claiming.

A school bus hit my parked car several years ago and the school district just asked me to provide them a few quotes from repair shops, then they paid me that amount directly instead of asking their insurance company to pay it.

PP