Auto Insurance Claims: Parking lot incident, hold harmless agreement, insurance policy number


Question
I was legally parked in a store parking lot. One of thier trucks hit my vehicle.  The store manager accepted responsibility and gave me the name of the company lawyer, insurance company name and insurance policy number.  She also gave me the name of the driver...John.
The next day I was called by a woman who claimed she had been driving the truck, she was an employee of another company that had been repairing the truck.  She said her company was responsible until I gave her the amount of the estimate.  She then demanded that I give her my insurance information.  I declined and explained to her that my coverage was liability only.  She would not give me her company information and said that the only offer they were willing to give was to fix my vehicle in thier shop.
Neither party wants to take responsibility.  Who is responsible....the store who owns the truck or the company (the repair company) that was parking the truck at the store?  Should I just go ahead and file a claim with the insurance company of the store?

Answer
This is typical of most accidents that involve a business and not another person.  I would think in this case the company driving the truck would be responsible unless they have a hold harmless agreement with the store which states that the store is responsible for all accidents.  Your best bet is to file a claim with the store.  If they give you a lot of grief about how much the estimate is or where you can fix your vehicle remember you can go to whatever bodyshop you choose.  If they annoy you too much just threaten to file a complaint with the department of insurance and usually that gets them going in your favor pretty quick.  If not go ahead and file the complaint and I can almost guarantee you will get results.  If the store is not responsible their claim adjuster will advise you and then you will know to file with the repair company.  Hope this helps.