Should I claim repairs to my vehicle under my own auto insurance or under the property owners umbrella insurance?
My SUV was damaged while leaving a baseball field owned by the local Levee Improvement District (LID). While leaving the field at night, the automatic steel gate did not sense the car and closed on it. It broke the windshield and crushing the passenger side fender. Another person's truck was also damaged though not to the same extent. The police came to the scene and a report was filed. The LID is trying to figure out what to do and have brought in their insurance company. It is a vehicle to property damage. The gate suffered only paint damage. They said I could have the repairs done through my insurance or have it done myself and they will reimburse me. Should I pursue the repair through them or go through my insurance and hope they collect from the LID (I'll have to pay my $1000 deductible). Would it be best to go through my umbrella policy or auto insurance?