Filing an insurance claim for valet damage is different from a regular auto claim because there are potentially three parties involved: you, the valet operator, and your insurance company. Understanding the process saves time and frustration.
Step 1: Document everything. Take photos of the damage from multiple angles with a reference object (like a coin) for scale. Get the valet ticket, any witness statements, and surveillance footage if available. CarShake users should export their pre and post-park scans.
Step 2: Contact the valet operator first. Most valet companies have their own insurance that covers damage up to a certain amount. Their claims adjuster will investigate. If they accept liability, the claim is handled entirely outside your insurance—meaning no premium increase for you.
Step 3: If the valet company denies responsibility or their insurance doesn't cover the full amount, file with your auto insurance. Tell them it's a 'comprehensive claim' if possible (collision coverage can increase premiums). Your insurer may subrogate—sue the valet company to recover costs—if they accept fault.