The short answer
Your own collision or comprehensive typically pays first, and your insurer subrogates against the venue's garagekeepers policy to recover the payout and your deductible. Some valet claim tickets say 'not responsible for damage' — those disclaimers usually don't hold up when negligence can be shown.
Frequently asked
- Should I photograph the car before handing over keys?
- Yes — a timestamped photo is the strongest evidence of pre-existing vs valet-caused damage.
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