Fsck this is pathetic, whats even more pathetic is that Alberante has an ARC on site, they really could have played ball here and just swallow the excess.
Had this of been a personal injury, they would have been liable.
They do have the all covering "not responsible for any loss or damage caused on the property bla bla bla" bullshit board out in front, so legally they are in the clear, but the right thing to do, even if you were not a customer that spends 50k with them a month, is to at least book the vehicle in, and assist you with the excess or half the excess.
On the Alberante side, due to the sign out in front, you have no claim, other them to call them bastards, cause any decent organization
The Subcontractor is also correct, in whereby his insurance should cover it.
Now you can do the following, you can either not claim through your insurance, and institute a 3rd party claim against the subcontractors insurance, and get paid out in cash the full extent of the damage.
Their insurance company will insist on sending an assessor out, and they are pathetic in paying out 3rd party claims, you could be looking at as much as 2 months.
Then you can fix the car yourself, but thats 2 months.
Or you can claim, and get your insruance to claim back from them and pay your excess back, but quite frankly... this is going to take a better part of a year, literally..
Bad form Alberante, you have the tools on site to contain costs and help this client, bad form...
