>> I'm not doubting what you are saying but the story doesn't really add up.
>> Why would his insurance company get involved in an incident to do with the car
>> that has happened whilst the person insured hasn't been at the wheel?
If it was reported to me that my car was accident damaged by person or persons unknown and the damage was substantial then I'd be claiming on my insurance. No doubt they'd ask the sort of questions Simon poses and their willingness to entertain a claim might depend on the answers they get.
My own insurance covers use by a member of the motor trade while in course of legitimate service/repair. Probably covers valet parking too but since I've no need or intention to use such a service it's not something I've explored. If the car was misappropriated while in care of a parking company then again I'd be looking to my own insurer. If they think they can recover from the parking operator then keeping me out of having to do my own legwork on that is what I pay a premium for.
The one thing we don't know is whether Zippy's colleague bought the car new or through BMW approved used or how long he owned it for. The fact that (a) it went to a BMW dealer for service and (b) we know from other posts that Zippy works in a profession where company cars or a car allowance are payable lead to inference that it was newish.
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