was at wally world yesterday with my wife, driving her car, 1994 chrysler concorde.
we stopped, looking for a parking space, and she yelled : "HE'S BACKING UP !" WAMMM !!!!!!!!!!!
a guy in a 2015 chevy colorado 4x4 stuffed his driver side rear bumper corner dead center in the driver's door.
when he hit, i was looking at his door mirror glass, and he immediately looked and made eye contact with me.
well, he pulls back into his space, and i pull into a space, and get out to change info.
i ask him : "don't you use your mirrors ?" he says he was looking at his backup camera and didn't see anything. so i asks him, since you hit almost dead center in the door, how come you didn't see the windshield, front fender, and bumper of the car in the screen ?
well he proceeds to tell me i was moving, and ran into him ! whatever..............
exchange info and he has State Farm. great.........
since nobody was hurt, and the police have more important things to do, we exchanged info and he left. [what a DUMA$$ i was for NOT getting the police there !]
i reported it to my agent [erie insurance] and since we have just liability on our drivers, she said of course erie wouldn't pay to have the boss's car fixed, [i knew that going in, if either of us wad up our drivers, i'll suck it up and either fix 'em or off to the "storage pile", but i make sure i have LOADS of coverage on the other guy] but would support us against State Farm to get compensation.
i then contacted the guy's agent, and he already filed a claim, stating i ran into him. so the fun begins.........
got home and took a couple of pics, then blew the dust off, and was surprised to find NO scratches or BROKEN paint ! i couldn't believe it !
if i was moving and ran into him as he claims, then there should have been motion scratches in the paint !
her car is a very nice example of that era, having no rust and original paint.
my buddy has an almost identical truck, so i'm going over to his place and position her car and his truck in the crash position, then take a screen shot of his backup camera, which i believe will show the car from the windshield forward, proving the guy wasn't looking when he backed out of his spot. [at least i hope so.....]
[but not very happy at this minute in time]

So get the pics into your insurance. Include a document of some sort asking how you "hit" him, do they really think you were sliding sideways? In a parking lot? WHILE he was backing out? Ask them now, who hit who?

If worse actually comes to worse, a paintless (PDR) guy can fix that.

my agent took a pic yesterday, then a claims adjuster called me yesterday afternoon and said an adjuster will be contacting me next week to set up an appointment to take more pictures.

oh, i forgot. the claims adjuster also took a taped conversation with my permission, so that should help. [i hope]

Any insurance adjuster with an ounce of forensic knowledge will know immediately that the other guy hit you.
Unless there's some parallel universe where Concordes slide perfectly sideways into bumper corners.

Unfortunately, nowadays you have to immediately photograph the impact, both vehicles, & the scene.
Police reports are great, but good luck getting one; they'll blow you off right away if there aren't injuries or an extreme situation.

I hope they don't total it.

Can you ask for camera footage of the parking lot at the time of the accident?

Yes, had this happen to a relative who's car was a hit and run victim in a parking lot. They caught the lady after a few weeks of searching for her car that was on the store video camera. Leaving the scene is not smart at all.

Unfortunately, as soon as he hit you, put the car in park and take pictures of the scene.

I'd tell the adjuster that both you and the wife aren't feeling great and headed to the doctor for an evaluation. It's a game of leverage if the other guy is a liar.

Glad you weren’t hurt, I wouldn’t worry too much, even State Farm can’t [censored] this up.

my suggested version
Worked well for me when dealing with SF, They became a lot more cooperative

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You have to get over the who struck who crap. It doesn't matter. It's who owed the duty to who. The person backing out had the duty to yield. The location of the impact also shows you were clearly behind the other vehicle when they backed up.

As to the threat of medical treatment ha,ha that means nothing. It's a separate claim. Just sit back and let the adjuster go thru his steps. Ultimately they will pay the claim regardless of what the insured tries to claim. The company has the final say, its actually written into the SF policy.

I believe the standard is to not call the police for a fender bender but if one does not it becomes a legal mini court battle as to who is at fault with one of the involved lying. In many communities the police are too busy to arrive but in my community I have called the police and they arrived and the at fault driver was ticketed. The ticket and information on it is significant to proving who truly was responsible.

In general I don’t think the police will get involved in minor accidents that happen on private property such as a store parking lot.

There is no "standard" with regard to that.

Police departments decide what they will respond to. Some refuse to respond to an MVA unless there are injuries being claimed or a traffic hazard exists. Others will respond to any report of an MVA.

Police will not cite on private property. Some agencies will just write an informational report. Others will write an actual accident report and comment on the facts of the loss, but will typically not address liability. This is because they can't cite someone.

We got hit in the Penny's parking lot some years back. Slow speed, no real damage of any kind. Called the cops. It took a while but an officer showed up, assessed the incident, said it was below the threshold for a citation. I did ask him if there will be a record of his involvement and he said there would be. I was good with that. My fear is that at the accident everyone is fine and then suddenly I find myself in court with the other driver in a neck brace and his lawyer claiming because of me his client will never be able to work again.

that's what i was wondering. i have been looking around on craigs list and fakepage market place hoping to find one of these cars for good spare body parts, but have struck out mostly.
anything that is listed has rust or damage issues. these cars were kind of like the aspen and volare, it seems the rust was a factory "option".
also, the ones listed seem to be in the $850 - $1300 or so range, so depending on what kind of estimate[s] i get, it could be close to being totaled.
i'll see what/if i can find any old car value guide says, if that thing is even listed.

it's funny you should mention back and neck pain.
both my wife and i suffer from both of these issues due to age and other medical issues.
in fact, we had just came from the hospital where i had just received injections in both of my knees and hips due to wear and tear. we figured we would stop at wally world and pick up a few things. shoulda just went home instead.

i was thinking about that. i'll have my claim agent do that monday.
thanks for reminding me !