Listen, I have no idea what makes sense and what doesn’t in terms of car insurance.
At first you are in shock and confusion as to what happened.
You have a massive dent in your car that you didn’t have when you parked it.
An immediate “what the fuck happened?”
is likely to be said.
Then when you start to connect the dots, or see the rogue cart nearby you are in disbelief.
Like are you kidding me?
What are the odds?
I mean just the absolute worst luck of all time.
No one deserves such a brutal break, and shouldn’t have to pay for it.
But hey that’s just me.